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Welcome to the fourth annual Cybersecurity Across Disciplines (CyAD) Summit hosted by the National Cybersecurity Training & Education Center (NCyTE)! 
  • The schedule is tentative and subject to change. Please check back regularly for the most current version.
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India’s Unified Payments Interface (UPI): Deconstructing Hardware-Backed Security in an AI-Driven World
Thursday June 25, 2026 9:40am - 10:25am CDT
BLDG T-404
India’s Unified Payments Interface (UPI) is a real-time digital payment system that has effectively replaced cash for millions of users across India and parts of Asia. As real-time payment platforms expand globally, the fight against account takeover (ATO) and SIM-swap fraud has intensified.

UPI has emerged as a global benchmark—not only for its massive scale, processing over 10 billion transactions monthly—but also for its distinctive device-binding security model. Unlike U.S. peer-to-peer (P2P) payment systems that primarily rely on software-based multi-factor authentication (MFA), UPI enforces a hardware-and-network-level handshake that tightly couples the user, device, SIM, and bank account.

This session will explore the UPI technical stack in depth, examining how it leverages the mobile device’s Trusted Execution Environment (TEE), SIM-based identity, and cryptographic binding to create a practical “Zero Trust” payment ecosystem. Attendees will gain insight into why UPI has proven highly resilient to large-scale fraud—and what global payment systems can learn from its architecture in an AI-accelerated threat landscape.
Speakers
avatar for Dr. Rajiv Malkan

Dr. Rajiv Malkan

Co-Principal Investigator - National IT Innovation Center (NITIC), Lonestar College (TX)
Rajiv Malkan, Ph.D. is a seasoned higher education leader with more than 35 years of experience spanning academic affairs, workforce development, and global education initiatives. He has served as a Founding Dean and Division Chair, leading curriculum innovation, strategic planning, and instructional... Read More →
avatar for Priti Malkan

Priti Malkan

Professor, Data, Analytica & AI, Lone Star College - University Park
Priti Malkan is a global, cross-industry professional with over 25 years of experience helping Fortune 500 corporations and U.S. state & federal agencies unlock the value of Data and AI. As an independent consultant, she advises organizations on Data & AI enterprise strategy and help... Read More →
Thursday June 25, 2026 9:40am - 10:25am CDT
BLDG T-404
  Cybersecurity Risk and Real World Problem-Solving, Presentation

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