Srinagar, Jan. 30 -- Cyber fraud has emerged as one of the most insidious threats to public trust in financial systems, particularly in regions where digital adoption has accelerated but regulatory safeguards remain in the process of catching up. In Jammu and Kashmir, the menace of online cheating and financial scams has grown in scale and sophistication, exploiting both the aspirations and vulnerabilities of ordinary citizens. From phishing emails and fake investment schemes to fraudulent loan offers and impersonation calls, the spectrum of deceit is wide, and its impact devastating. Families have lost their savings, pensioners have been duped of their hard-earned money, and young professionals have seen their digital wallets drained in ...