> ATM cards are still safer than mobile based payments.

> For ATMs, if one has online transactions turned off (default option when you get a new card in India for most if not all cards), it is impossible. One has to walk to an ATM in a crowded place, insert the card, enter a PIN, and can only then withdraw money.

So you're really saying that not being able to transact cashlessly at all is safer than being able to do so? I'd agree, but it's also somewhat inconvenient.