The Reserve Bank of India (RBI) has proposed a one-hour delay on high-value digital payments exceeding ₹10,000 as a measure to combat increasing instances of banking fraud and unauthorized transactions. This 'cooling period' would allow users to cancel suspicious payments before funds are fully transferred. Experts highlight that while this initiative aims to enhance security, it could introduce friction for urgent transactions, potentially affecting liquidity and compliance with statutory deadlines. CA Chandni Anandan, a tax expert, noted that clarity on exemptions and override mechanisms will be crucial to minimize disruption for legitimate users. Hitesh Agrawal, founder of Them Consulting, emphasized that the proposal reflects the serious nature of digital fraud, which has surpassed ₹22,000 crore in India. However, he cautioned against a blanket approach that treats all users as potential fraud victims, suggesting that a more nuanced design would enhance user experience. The RBI's success in this initiative will depend on its ability to boost digital payment adoption while maintaining the speed and simplicity that characterize India's current digital payment landscape.