Digital Lending Fraud: App-Based Loan Scam Analytics

Analyze data from illegal digital lending apps to identify fraud patterns, harassment tactics, and build a victim identification system.

## Background

Illegal digital lending apps have defrauded over 5 lakh Indians of ₹2,500+ crore in 2024. These apps use data analytics for:
- Predatory targeting of vulnerable users
- Automated harassment for recovery
- Identity theft and data monetization

## The Challenge

The RBI cyber fraud cell needs analytics support to:
1. Identify victims from transaction patterns
2. Map the fraud network
3. Build an early warning system
4. Support law enforcement investigations

## Available Data

- UPI transaction complaints (cybercrime portal)
- App store data (removed lending apps)
- SMS/email harassment reports
- Bank complaint records
- Social media sentiment data

## Objectives

- Create a victim likelihood scoring model
- Identify common fraud app characteristics
- Map the money trail through UPI
- Build a public awareness dashboard

## Impact

- Help 5+ lakh potential victims
- Support ₹500+ crore recovery efforts
- Prevent future frauds through early detection