So she sent $1800 to someone without first seeing a pending transaction of any kind for a $1800 credit? Some things have to be learned the hard way if that's all it takes.
The solution for this is instant SMS narratives. If you do any kind of transaction, whether receiving or sending, you will get an SMS detailing the (completed) transaction.
Over time people will be conditioned to wait for the SMS before finishing any transaction
No, the scammer stole someone’s credentials and the bank clawed back the payment. The bank can always reverse it at any point in the future. The consumer never, ever can.
Over time people will be conditioned to wait for the SMS before finishing any transaction
That is how UPI does it anyways