MUMBAI: Alphabet Inc's Google<\/a> has removed some lending apps aimed at consumers in India from Play Store in an attempt to safeguard users, it said in a blog post on Thursday.
\"We have reviewed hundreds of personal loan apps<\/a> in India, based on flags submitted by users and government agencies,\" Suzanne Frey, Vice President, Product, Android Security and Privacy said in the post.
A recent investigation by Reuters found at least 10 lending apps on Play Store breached Google's rules on loan repayment lengths aimed at protecting vulnerable borrowers. It also found that a number of the lending apps also flouted central bank regulations designed to protect borrowers..
Google did not elaborate on the number of apps that had been taken down.
Google has contacted companies and asked them to clarify if they are compliant with the rules and regulations, failing which an app could be removed from the Play Store.
\"We ask you to confirm within five days of this mail whether you hold valid existing approvals or licences from the Reserve Bank of India<\/a> to act as a NBFC (Non-Banking Financial Company) or are registered under any applicable state legislation to offer such services or are offering services on your app as a designated agent of a registered NBFC\/Bank,\" said the email, a copy of which has been seen by Reuters.
\"If we do no receive this confirmation from you within 5 days of this mail, your app may be removed from Google Play<\/a>.\"
The online lending industry has come to the attention of the authorities after at least two suicides in the past month linked to alleged harassment by recovery agents of such apps.
The Reuters review of 50 popular lending apps available also found nearly all required borrowers to give them permission to access their phone contacts which users allege are used by recovery agents in the case of defaults or late payments.
Google said developers must only access permissions that are necessary to implement current features and services.
\"They should not use permissions that give access to user or device data for undisclosed, unimplemented, or disallowed features or purposes,\" Google said in its post.
It said it would ensure apps complied with local laws and regulations. \"Apps that fail to do so will be removed without further notice,\" it said.
On Wednesday, the central bank formed a working group to look into digital lending<\/a> practices. The panel has been tasked with identifying risks posed by unregulated digital lending to financial stability, regulated entities and consumers and is expected to submit the report within three months..
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谷歌删除个人贷款应用程序用户违反安全政策从游戏商店
“提供安全的经验在谷歌的产品是我们的首要任务。我们的全球产品策略设计和实现这一目标,我们一直致力于改善我们的实践来增强用户的安全,“谷歌在博文中表示。
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孟买:字母(aapl . o:行情)的谷歌消除了一些贷款应用程序针对消费者在印度从玩商店为了维护用户,这周四在一篇博客文章中说。
“我们已经回顾了数百个个人贷款应用程序在印度,根据用户提交的旗帜和政府机构,“副总裁苏珊•弗雷、产品Android安全和隐私在《华盛顿邮报》说。
最近的一项路透调查发现至少10贷款应用程序游戏违反了谷歌的规则存储在贷款偿还长度旨在保护脆弱的借款人。它还发现,许多贷款应用程序也藐视中央银行法规旨在保护借款人。
谷歌没有详细说明应用程序的数量已经下降。
谷歌公司联系,要求他们澄清是否符合规章制度,否则应用程序可以从玩存储中删除。
“我们要求你确认在5天的这邮件你是否持有有效的现有的审批或许可证印度储备银行作为NBFC(非银行金融公司)注册或在任何适用的国家立法提供此类服务或提供服务的应用程序为一个指定的代理注册NBFC /银行”表示,电子邮件、已被路透社的副本。
“如果我们没有收到这5天内确认从你的邮件,你的应用可以移除谷歌玩”。
在线贷款行业已经有关部门的关注在过去一个月至少有两个自杀后与涉嫌骚扰恢复代理这样的应用程序。
路透社评论50流行的贷款应用程序还发现几乎所有要求借款人给他们权限访问手机联系人,用户称使用恢复代理人的违约或延期支付。
谷歌说开发人员必须仅在需要时访问权限来实现电流特性和服务。
“他们不应该使用权限给用户或设备未披露的数据访问,未实现的,或不允许功能或目的,”谷歌在其职位。
它表示,将确保应用程序遵守当地法律法规。“应用程序失败将被删除而不另行通知,”它说。
周三,中央银行成立了一个工作组来调查数字的贷款实践。面板已经负责识别数字贷款不受监管的金融稳定带来的风险,监管机构和消费者,预计在三个月内提交报告。
孟买:字母(aapl . o:行情)的谷歌消除了一些贷款应用程序针对消费者在印度从玩商店为了维护用户,这周四在一篇博客文章中说。
“我们已经回顾了数百个个人贷款应用程序在印度,根据用户提交的旗帜和政府机构,“副总裁苏珊•弗雷、产品Android安全和隐私在《华盛顿邮报》说。
最近的一项路透调查发现至少10贷款应用程序游戏违反了谷歌的规则存储在贷款偿还长度旨在保护脆弱的借款人。它还发现,许多贷款应用程序也藐视中央银行法规旨在保护借款人。
谷歌没有详细说明应用程序的数量已经下降。
谷歌公司联系,要求他们澄清是否符合规章制度,否则应用程序可以从玩存储中删除。
“我们要求你确认在5天的这邮件你是否持有有效的现有的审批或许可证印度储备银行作为NBFC(非银行金融公司)注册或在任何适用的国家立法提供此类服务或提供服务的应用程序为一个指定的代理注册NBFC /银行”表示,电子邮件、已被路透社的副本。
“如果我们没有收到这5天内确认从你的邮件,你的应用可以移除谷歌玩”。
在线贷款行业已经有关部门的关注在过去一个月至少有两个自杀后与涉嫌骚扰恢复代理这样的应用程序。
路透社评论50流行的贷款应用程序还发现几乎所有要求借款人给他们权限访问手机联系人,用户称使用恢复代理人的违约或延期支付。
谷歌说开发人员必须仅在需要时访问权限来实现电流特性和服务。
“他们不应该使用权限给用户或设备未披露的数据访问,未实现的,或不允许功能或目的,”谷歌在其职位。
它表示,将确保应用程序遵守当地法律法规。“应用程序失败将被删除而不另行通知,”它说。
周三,中央银行成立了一个工作组来调查数字的贷款实践。面板已经负责识别数字贷款不受监管的金融稳定带来的风险,监管机构和消费者,预计在三个月内提交报告。
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