Harshil Vaja

Harshil Vaja covers credit-card fraud prevention, RBI banking ombudsman procedures, and dispute-resolution frameworks at FinWiz24. He tracks every RBI guideline change \u2014" including the 2021 zero-liability rule, the 2024 auto-debit framework, and new tokenisation standards \u2014" translating complex regulatory language into actionable guidance for cardholders. Harshil's articles on unauthorised transactions, chargebacks, and merchant-fraud reporting are cited by consumer-rights forums nationwide. He also analyses how major banks implement (or sidestep) RBI protections in practice, giving readers an honest picture of their dispute odds based on historical resolution data rather than legal theory alone.