Loan disbursal apps and credit aggregators on the Google Play Store<\/a> in India have to prominently display a link to the partner bank or non-banking finance company (NBFC<\/a>). The measure has been introduced as an additional security feature by Google<\/a> after a series of meetings the company had with officials from the Ministry of Electronics and Information Technology (MeitY<\/a>) and the Reserve Bank of India<\/a> (RBI) over the last few weeks. ”应用程序仍不一致的提供的需求超过了期限,作为任何政策不完成,我们已经采取必要的强制措施作为我们持续的政策合规清洁工的一部分,包括删除应用程序从游戏商店,”谷歌的一名发言人告诉等。 贷款支出程序和信贷的聚合器谷歌播放存储在印度必须突出显示一个链接到合作伙伴银行或非银行金融公司(NBFC)。这项措施介绍了作为一个额外的安全功能谷歌经过一系列的会议公司的官员的电子和信息技术(MeitY)和印度储备银行(央行)在过去几周。
Google updated the policy on September 5. Apps that have failed to comply–the deadline was September 19–will be deleted from the PlayStore.
“For apps that remain non-compliant with the requirements past the deadline provided, as is done for any policy non-compliance, we have been taking necessary enforcement action as part of our ongoing policy compliance sweeps, including removal of apps from the Play Store,” a Google spokesperson told ET.
The live links will allow users to verify the connection with the bank or NBFC, which in turn will highlight on their webpages a list of the loan disbursal apps or credit facilitators that they have approved or tied up with.
The government has been trying to tackle the menace of digital lending apps that defraud customers through the lure of instant credit. It has also been putting pressure on the ecosystem–including platforms such as Google, which distribute a majority of these apps–to do more to weed out fake apps. Google will continue to engage with law enforcement agencies and industry bodies to address this issue, the spokesperson added.
The IT ministry, in consultation with the RBI and the finance ministry, is also working on exhaustive guidelines that will detail the legal conditions that loan disbursal apps and loan facilitator platforms must adhere to while operating in India, a senior ministry official said.
“Instead of us asking them (Google or Apple<\/a>) to allow or disallow certain apps, our approach is to draw up a comprehensive framework which will have measures within which such (loan) apps can operate,” the official said. “All other apps which fall afoul of these can be then removed. We are in talks with the RBI on the issue.”
The IT ministry has also asked Google to make its rules for listing loan apps “watertight,” another official said.
On September 9, the finance ministry said it had asked the RBI to prepare a whitelist of loan apps that would be allowed to operate in India. The ministry said that the IT ministry would be asked to ensure that only such apps are allowed to operate in India.
Google India introduced a new Play Store policy in May that required such apps to display prominently the institution that was underwriting the loans, the rate of interest and other details. The September 5 update requires them to add a link to banks and NBFCs besides asking the institutions to list the apps on their websites.
According to Google’s policy, all apps that offer loans directly, generate leads for banks and NBFCs or connect customers with third-party lenders must mention details such as the minimum and maximum time for repayment, interest rates and other costs in the metadata. This should also include “representative examples” of the total cost including the principal and applicable fees, as well as a privacy policy that discloses access, collection, use and sharing of personal and sensitive user data.
Loan apps in India are also required to submit a copy of their RBI licence to Google India if they have one.
In August, Saikat Mitra, a senior director and the head of trust and safety at Google in the Asia Pacific, told reporters that the company had removed as many as 2,000 credit disbursement apps between January and June for violating PlayStore policies, RBI rules on money lending, law enforcement agencies’ inputs and user feedback.
Mitra had then said that stricter rules, which would make the relationship between such credit disbursement apps and the banking partner more explicit, were in the offing.
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谷歌希望合作银行贷款应用程序来显示链接
谷歌更新策略9月5日。应用程序未能comply-the PlayStore最后期限是9月19人将被删除。
”应用程序仍不一致的提供的需求超过了期限,作为任何政策不完成,我们已经采取必要的强制措施作为我们持续的政策合规清洁工的一部分,包括删除应用程序从游戏商店,”谷歌的一名发言人告诉等。
政府一直试图解决数字贷款应用程序的威胁,通过即时的诱惑欺骗客户信贷。还施压ecosystem-including平台如谷歌、分发大多数这些应用程序来做更多的工作来剔除假的应用。谷歌将继续与执法机构和行业组织为了解决这个问题,该发言人补充说。
IT部门,咨询印度央行和财政部也在研究详尽的指导方针,将详细的法律条件,贷款支出应用和贷款服务商平台必须遵守操作在印度,一位高级官员说。
”而不是我们要求他们(谷歌或苹果)允许或不允许某些应用程序,我们的方法是制定一个全面的框架,将措施在这类(贷款)应用程序可以运行,”这位官员说。“所有其他应用程序然后触犯了这些可以删除。我们正在与印度谈判问题。”
IT部门也要求谷歌使其规则清单贷款应用程序“水密,”另一位官员说。
9月9日,财政部表示,它已要求央行准备一个白名单的贷款应用程序将被允许在印度。卫生部表示,IT部门将被要求确保只有在印度这样的应用程序是允许操作。
谷歌印度引入了一个新戏的商店政策可能需要这样的应用程序显示突出的机构承销贷款,利率和其他细节。9月5日更新要求他们添加一个链接到银行和nbfc除了要求机构在他们的网站上列出了应用程序。
根据谷歌的政策,所有应用程序直接提供贷款,为银行和生成导致nbfc或连接客户与第三方银行必须提到的细节,如最小和最大时间还款,利息和其他成本的元数据。这还应该包括“代表性例子”的总成本包括本金和适用的费用,以及隐私政策,限制访问,收集、使用和分享个人和敏感的用户数据。
贷款应用程序在印度也需要提交一份他们的央行谷歌印度,如果他们有一个许可证。
Saikat Mitra在8月,高级主管和信任和安全主管谷歌在亚太,告诉记者,该公司已多达2000个信用支付应用程序删除1月和6月间因违反PlayStore政策,央行借贷款项规定,执法机构的输入和用户反馈。
Mitra说,更严格的规则,这将使这种信用支付应用程序之间的关系和银行合作伙伴更加明确,是即将发生的。
Loan disbursal apps and credit aggregators on the Google Play Store<\/a> in India have to prominently display a link to the partner bank or non-banking finance company (NBFC<\/a>). The measure has been introduced as an additional security feature by Google<\/a> after a series of meetings the company had with officials from the Ministry of Electronics and Information Technology (MeitY<\/a>) and the Reserve Bank of India<\/a> (RBI) over the last few weeks.
Google updated the policy on September 5. Apps that have failed to comply–the deadline was September 19–will be deleted from the PlayStore.
“For apps that remain non-compliant with the requirements past the deadline provided, as is done for any policy non-compliance, we have been taking necessary enforcement action as part of our ongoing policy compliance sweeps, including removal of apps from the Play Store,” a Google spokesperson told ET.
The live links will allow users to verify the connection with the bank or NBFC, which in turn will highlight on their webpages a list of the loan disbursal apps or credit facilitators that they have approved or tied up with.
The government has been trying to tackle the menace of digital lending apps that defraud customers through the lure of instant credit. It has also been putting pressure on the ecosystem–including platforms such as Google, which distribute a majority of these apps–to do more to weed out fake apps. Google will continue to engage with law enforcement agencies and industry bodies to address this issue, the spokesperson added.
The IT ministry, in consultation with the RBI and the finance ministry, is also working on exhaustive guidelines that will detail the legal conditions that loan disbursal apps and loan facilitator platforms must adhere to while operating in India, a senior ministry official said.
“Instead of us asking them (Google or Apple<\/a>) to allow or disallow certain apps, our approach is to draw up a comprehensive framework which will have measures within which such (loan) apps can operate,” the official said. “All other apps which fall afoul of these can be then removed. We are in talks with the RBI on the issue.”
The IT ministry has also asked Google to make its rules for listing loan apps “watertight,” another official said.
On September 9, the finance ministry said it had asked the RBI to prepare a whitelist of loan apps that would be allowed to operate in India. The ministry said that the IT ministry would be asked to ensure that only such apps are allowed to operate in India.
Google India introduced a new Play Store policy in May that required such apps to display prominently the institution that was underwriting the loans, the rate of interest and other details. The September 5 update requires them to add a link to banks and NBFCs besides asking the institutions to list the apps on their websites.
According to Google’s policy, all apps that offer loans directly, generate leads for banks and NBFCs or connect customers with third-party lenders must mention details such as the minimum and maximum time for repayment, interest rates and other costs in the metadata. This should also include “representative examples” of the total cost including the principal and applicable fees, as well as a privacy policy that discloses access, collection, use and sharing of personal and sensitive user data.
Loan apps in India are also required to submit a copy of their RBI licence to Google India if they have one.
In August, Saikat Mitra, a senior director and the head of trust and safety at Google in the Asia Pacific, told reporters that the company had removed as many as 2,000 credit disbursement apps between January and June for violating PlayStore policies, RBI rules on money lending, law enforcement agencies’ inputs and user feedback.
Mitra had then said that stricter rules, which would make the relationship between such credit disbursement apps and the banking partner more explicit, were in the offing.
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