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Common people :- SOJ Joy increase in banking frauds. Way Ahead. (1) Developing cyber-security infra:- Defense -in -Depth system providing multiple layers of protection. (8) Establishing team of ethical hackers to counter threats. (3) Mandating cyber audits, regulator disclosures. (4) Capacity building of general public & employees. India should also take up discussions on Budapest Convention on cybercrime in upcoming G20 meeting to develop global coordination.