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The idea copied from Chinese pay day apps and Chinese made use of this , using the regulatory vaccum created by Ispirt and allies.

And Teethless SROs they created are ineffective .  Lobbying for enabling the use of aadhaar in digital lending was their major activity so far.

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Note the date -- 07 July2015 -- Making India Go Cashless India - Jan Samridhi Yojna program from iSpirt. Presented to PMO

The app based loans and flow based lending at heavy interest rate (daily or weekly compounding) is their idea

youtu.be/RHQp-XxOq5U

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This is not limited to . We are going to see similar invasions in Agri segment, Farm loans etc as well.

Ask why WhatsApp policy change mostly affect Indians - reason - WhatsApp pay gets Financial info including Real Names, now sharable with Facebook via UPI.

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Naming the culprit.

This Flow Based lending and opening up market for invasion is @Product_nation's effort starting in 2015. Its efforts also made regulators ineffective, setup namesake Self-regulating structure and built rails for easy compromise of user data .
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RT @bladeit
This is one story you will never wish to miss from @TheKenWeb. Thanks to team for keeping it free.
the-ken.com/story/indias-insta
twitter.com/bladeit/status/134

RT @logic
If you are uninstalling @WhatsApp over issues - do look at how freely exchanges data across range of intermediaries when you use @GooglePayIndia @Paytm @PhonePe_ . This payments data doesn't even have E2EE which whatsapp has. twitter.com/logic/status/13249

RT @roadscholarz
Apart from all the Aadhaar-enabled exclusion from welfare programs, there's Aadhaar-enabled fraud through the AEPS. Short thread from just one block of Jharkhand. twitter.com/roadscholarz/statu

RT @roadscholarz
Here is a compilation of those who died of hunger, some of them didn't get their welfare benefits due to Aadhaar related failures of the state/tech twitter.com/GirishNaught/statu

Also explore options like Matrix .
Element.io (previously called as Riot) offers rooms.

If you are a big organization , you can self host or subscribe for a SaaS self hosted instance

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For those moving to Signal from WhatsApp ,

1. Make sure to set a PIN
2. Make sure to switch on Disappearing Messages for groups.

RT @logic
Hey @RBI - while you were so obsessed with - did you forget to talk about credit data conviniently? These are 43 apps - that are using @alibaba_cloud to store backend data, in some cases including @UIDAI .

RT @logic
Hey @Razorpay - These are few 'illegal' chinese that you seem to be powering ? Please check and assist @AddlCPCrimesHyd @chennaipolice_ @CPBlr in estimating the scale of money laundering / fraud involved?

Also please do check your due diligence process once?

Thread on SFLC petitions
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RT @MishiChoudhary
In May, @SFLCin
with @anivar
challenged in the Karnataka High Court, challenging its voluntary-mandatory imposition and invasion of privacy rights in the absence of specific legislation governing data collection and processing by it.
twitter.com/MishiChoudhary/sta

RT @logic
Remember this 3 part story on of how funds were diverted to 'ghosts' USING ?

The 7th installment of has ~ 1 Crore less beneficiaries - which is an admission that has led to 2000 Crore scam in twitter.com/Maha_Shoonya/statu

RT @gautambhatia88
Written arguments and judgment(s) in the Central Vista case available here (scroll down to end):

indconlawphil.wordpress.com/co

Hopefully, putting the judgment alongside the arguments will help foster a more informed discussion on important Supreme Court rulings.

Any Surveillance tech even if it is developed with good intentions will endup as Policing Tech within an year medianama.com/2021/01/223-trac

Hariprasad and Haripal JJ then end with the ringing declamation of the line that has been music to the ears of tyrants and authoritarians at all times and places.

@gautambhatia88 analyzes Kerala HC Judgement on UAPA case against Allan & Twaha

indconlawphil.wordpress.com/20

RT @raj_s
Hi @RashmiBelur, you can’t add 32% and 41% to get 73%. Percentages don’t work that way 🤦🏻‍♂️

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