#Killer DPI - Firstly for #KillerLoanApps

Neither API health, not interoperability will substitute responsible behaviour in #DigitalLending #DPIDisaster
Both #PAN and #Aadhaar are tired of the billion transformations since 2017 and the only people who gave made money is KYC startups (not even fintechs)



The top priority for railways has to be @digilocker integration, not track maintenance.

Oh please push all those auto issued insurance from IRCTC so when people die, their relatives don't need to run around.


After doing a wholesale leak of utility bills, education fees, #BharatBillPay will now wreck havoc to MSMEs where small bills will be leaked wholesale.


Did you hear any of us talk anything about #CoWINDataLeak but here we are - on our mission to screw the already broken healthcare insurance system for our profits


Summary : #DPIDisasters are not some global conspiracy theory set to action - but a small set of players who have successfully hijacked institutions to dance to their tunes

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More from @logic

Jun 12
💣💣 The inevitable has happened. #CoWINDataLeak reported by @thefourthlive @ManoramaDaily is a largest #DigitalPublicInfrastructure disaster.

Thread on some impacts.
1. What happened? What data points are exposed?

A : A telegram bot allows to query - what possibly appears entire #CoWIN database by mobile number / #Aadhaar & returns vaccination details if exists.

Name, Mobile, Gender, ID Proof used (Aadhaar/Passport), Vax centre address
If a single number of used for entire family, it returns all members who used the same number.

RS Sharma, Meenakshi Lekhi, KC Venugopal are some of whose data was available.

Read 35 tweets
Mar 29
There is a lot of confusion on this #UPI charges and its being made to spread multiple 'fake news' in a area where there is clarity. This directly stems from fact - who is allowed to price on what?

#CashlessConsumer will attempt to decode this in a 🧵
1. What is being announced?

NPCI will charges #MDR for transactions above ₹2000 - when the payment mode by user is a wallet.

Note - this is not the same as using PhonePe / GPay.

It is applicable only when you use Wallet - PhonePe / PayTM are popular wallets still exist.
It is not applicable when you use UPI via banks.

2. Who is making this announcement?

NPCI.

3. Can NPCI make this announcement?
All Payment operators are at liberty to price payment products - except ATM interchange - which @RBI actively regulates.
Read 13 tweets
Aug 11, 2022
#UPI #AppUpdate PhonePe UPI, Payment, Recharge play.google.com/store/apps/det… Get. Set. Gold! <br><br>You can now accumulate Gold at regular intervals by setting up a Gold SIP on PhonePe! <br><br> P.S: Without worry about market risks and fluc...
#UPI #AppUpdate Pockets- Bill Payment, Recharge, UPI on wallet play.google.com/store/apps/det… Security update...
#UPI #AppUpdate Truecaller: Caller ID & Block play.google.com/store/apps/det… We keep updating our App to make it better. <br>This version brings:<br>- Our redesigned profile will show you the number of spam calls, messages and unknown numbers ...
Read 5 tweets
Aug 9, 2022
Vaccination data is shared equally between UNDP, BMGF, eGov - That all 3 is funded by @BillGates is connecting thread. #CoWIN #VaccinationCertificate #HealthData loot. -- Also #Modi photo to appease the political head of state to keep the loot silent.
$ 3.9 M - That is how much was 'donated' by GAVI to UNDP for hosting #CoWIN system. Don't be a fool to think that data hasn't gone back to funders. Image
Another $3M Image
Read 4 tweets
Jul 12, 2022
🧵on #UPI frauds. Like all millennials who keep a tab on parents devices occasionally and find strange things on phone, @amabirdman raised an SOS after seeing strange UPI related SMS and was wondering if they were victim of some fraud.
While most of us check for 'auto-installed' apps on mobile, another important thing to check - esp with #UPI fraud is - "Sent SMS". Now android doesn't have recieved / sent SMS seperately, but do stroll messages for any number being sent a message
What ever that number - take that and search on Twitter. For example - if the number is 9717465555 - then search - twitter.com/search?q=97174…

You will see a lot of people having complained about auto-consented SMS sent to HDFC.
Read 12 tweets
Jul 11, 2022
After 6 years and billions of transaction, @NPCI_NPCI talks about 'consent' while collecting geo-coords for every #UPI txn & gives 6 more months time to make such data collection a choice based consent.

Is there a #GPS coord in India - where @NPCI_NPCI doesn't have txn data
#CashlessConsumer had noted about this geo-coord collection for every txn as a key surveillance concern back in 2017 - medium.com/cashlessconsum…
In the light of recent #CrPC91 request - it is valuable to revisit the privacy guarentees in the payment systems and #PaymentsPrivacy is key to having civil liberties and is no longer a niche digital rights problem.
Read 4 tweets

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