Fintech

(Fake) Digital Lending apps Database

Database of Digital lending apps and their playstore metadata

In the previous post on abusive digital lending apps, CashlessConsumer listed 10 apps which seem to have been indulging in abusive lending practices, possibly fraudlent / illegal…

Anti Money Laundering(AML) in Remittances, Dataflows and Privacy

Response to Nandan’s speech at UPI v2 launch.

Response to Nandan’s speech during the launch of UPI v…

Payments Transparency — Account Aggregator licenses

Privacy Breach in Bharat Bill Payment System

CashlessConsumer has complained to BPSS, RBI about the practices of BBPSOUs like PayTM, PayUMoney, Google Pay India, HDFC Bank on non-consensual retrieval of utility bill data.

Some Thoughts on UPI ecosystem

Recently I was asked for some comments on current state of UPI and interoperability. Putting them below with some minimal editing. Comments are personal.

> What is the status of non-bank merchant acquirers accessing the…

Event Report : Stakeholder consultation organized by NIPFP for DEA, MoF

Jyoti Panday and Srikanth Lakshmanan represented CashlessConsumer at the stakeholder consultation meeting on fintech related issues organized by NIPFP on behalf of Dept Economic Affairs, Ministry of Finance…