Cybersecurity & Banking

PNB Becomes First Indian Bank to Integrate NCRP Cybercrime Solution

Punjab National Bank (PNB) has taken a pioneering step in banking security by becoming the first Indian bank to integrate Clari5’s National Cybercrime Reporting Portal (NCRP) Integration Solution. This system, linked to the Indian Cybercrime Coordination Centre (I4C), streamlines cybercrime complaint handling across digital banking platforms and enhances real-time fraud prevention.

🛡️ What Is the NCRP Integration Solution?

• A tech-driven solution that links Internet Banking, Mobile Banking, ATMs, and soon credit cards and CBDC wallets, to the National Cybercrime Reporting Portal (NCRP).
• Developed by Clari5, the system automates and accelerates the complaint lifecycle for cyber fraud.

🔧 Key Features

• Real-Time Lien with FIFO Logic
  Ensures that the first complaints are handled with priority to maximize recovery chances.
• Smart Debit Freeze
  Automatically locks flagged accounts, preventing unauthorized withdrawals during fraud investigations.
• Customisable Whitelisting
  Protects critical or high-trust accounts from being affected unnecessarily during security actions.

🧠 Impact on Cybersecurity & Fraud Prevention

• Sets a new benchmark in banking cybersecurity.
• Enhances fraud detection speed, reducing time from incident to action.
• Operates reliably even during outages, ensuring uninterrupted protection.
• Strengthens customer trust by offering secure, responsive banking services.

🌐 About the NCRP

Launched in 2019, the National Cybercrime Reporting Portal is a Government of India initiative under the Ministry of Home Affairs. It offers:

• 24/7 reporting for all types of cybercrimes.
• A focus on financial fraud and child exploitation cases.
• Tools like automated chatbots, dashboard monitoring, and integration with multiple banks and payment intermediaries.

🔮 Future Implications

• PNB’s success with NCRP may inspire wider adoption across the Indian banking landscape.
• This aligns with India’s Digital Public Infrastructure (DPI) vision for secure financial systems.
• As cyber threats evolve, such integrations will become essential to fortifying digital finance ecosystems.