Data is snake oil. It has been 5 years since #BBPS mandated all discoms to join it - to centrally collate utility data. Data hasn't done anything and debts remain.

This is how every surveillance system will end. Next up #FASTag and infrastructure mess.
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RT @arvindsubraman
The ungated version of this piece https://twitter.com/arvindsubraman/status/1559700626145427456
https://twitter.com/arvindsubraman/status/1559718369838104576

On an entirely tangential note - Is this the same Chaitanya of 'Chai'na fame from Telugu land?

TN has to prevent this invasion. @_sodabottle
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RT @logic
19654 education "billers" - https://www.npci.org.in/what-we-do/bharat-billpay/product-statistics/live-billers

Here is the beauty - anyone can fetch given few data points and build database of all fees paid / unpaid. #BBPS #DataLeak
https://twitter.com/logic/status/1533779581152288768

19654 education "billers" - https://www.npci.org.in/what-we-do/bharat-billpay/product-statistics/live-billers

Here is the beauty - anyone can fetch given few data points and build database of all fees paid / unpaid. #BBPS #DataLeak

#CashlessConsumer followed for 2 years with #RBI to stop this consent-less fetch of bill data by fintechs - the free data leak of all bills continues with #BBPS and that includes school fees.

https://medium.com/cashlessconsumer/following-up-on-consent-less-auto-fetch-privacy-violations-in-bbps-500ecc27fa30

What untold is - @NPCI_NPCI subsidiary by onboarding 20000 schools / colleges onto #BBPS during #COVID - has made fees as "fetchable bills" - as well leak that data. Schools need not partner-that data is out there for fintech & everyone because there @NPCI_NPCI data abuse policy
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RT @visually_kei
Schools in Bengaluru are offering details of parents to fintech firms (without seeking their consent) so that these companies can approac…
https://twitter.com/visually_kei/status/1533735390552592384

#CashlessConsumer #Opendata - List of 20557 billers on #BBPS @BharatBillPay Bulk of them ( >15000) are school / colleges, while the rest are lenders, utilities, clubs etc. https://docs.google.com/spreadsheets/d/e/2PACX-1vQ2kXvkXxogKoJE25jdbYN41nMq9FmFHIUEqBlqzEY-2FJ-XfSaVFAoYOOhdsfO-z07KiATR98xOhVK/pubhtml?gid=1395579536&single=true
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RT @logic
@tam_arund @beastoftraal 15000 + education billers in BBPS means - fee payment is also 'Nandanis…
https://twitter.com/logic/status/1498509697946554371

#FASTag over #BBPS over #BHIM. Talk about onion routing!
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RT @NPCI_BHIM
Don’t let toll traffic spoil your road trip mood. Use FASTag for seamless transit and use BHIM app for seamless
recharging of the #FASTag. #LifeSimplifiedWithBHIM
https://twitter.com/NPCI_BHIM/status/1442747654732009473

#CashlessConsumer #RTI We asked #RBI about #eRUPI and #BBPS payment system authorisation.

#CashlessConsumer #RTI We asked #RBI about #eRUPI and #BBPS payment system authorisation.

Read our 2 year follow up on the issue to which neither @NPCI_NPCI nor @RBI has done anything material to change the data leaks.
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RT @logic
#CashlessConsumer Following up on consent-less auto fetch privacy violations in #BBPS

#NPCI's own data shows the practice of building credit profiles continue rampantly completely disregarding user consent & NPCI notice.

https://medium.com/cashlessconsumer/500ecc27fa30
https://twitter.com/logic/status/1234374536528723969

Placing it on record here that neither @RBI nor @NPCI_NPCI did *ANYTHING* over @MobiKwik #Databreach - despite warning about #BBPS #Privacybreach for 2 full years. But please keep building narratives, stay blessed, have growth.

Hijacking #DataProtection for profit!!
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RT @bgmahesh
“RBI feels the issue of data security involving foreign entities remains a key concern and, therefore, has decided to not go ahead with the new licences for …
https://twitter.com/bgmahesh/status/1430394486891302916

#CashlessConsumer in the past have expressed strongly on issues of data governance, especially with #BBPS (https://medium.com/cashlessconsumer/following-up-on-consent-less-auto-fetch-privacy-violations-in-bbps-500ecc27fa30) and #FASTag (https://docs.google.com/document/d/e/2PACX-1vSQPlduk5v809FNylFZmWiAtI5gowYi4qZZV_OEeHhHJTQFnlLwgn6SMS8CuefTg7YGHUi919z3L-6D/pub) 3/

#CashlessConsumer condemns #UGC for 'adivising' / 'encouraging' universities to onboard #BBPS, a monopoly bill payments system that violates #Privacy

The reading list for #BBPS study is available at https://docs.google.com/document/d/e/2PACX-1vTgzb6aO3wsUBsK5MduYjVYSb1IDfDP0_pJjRUf10sjGPet2gXezKDfO20CULY1ASD2D0gtoYZC92IU/pub

Slides used are at https://docs.google.com/presentation/d/e/2PACX-1vRA7uZ14tJ8dj3GxXWdLm-6xkGoFxVSSnJjRv8hWzSbNfvh--3LHXoYs9M9c_P6d3fhQSn1Me5zATKe/pub?start=false&loop=false&delayms=3000

Sandbox code ref at https://gitlab.com/CashlessConsumer/federal-bank-bbps-apis

Reading list, presentation, code, video of last week's #CashlessConsumer #StudyCircle on #BBPS https://medium.com/cashlessconsumer/study-circle-bharat-bill-payment-system-85bd01a061b8

We covered History, Regulations, Policy, Business, Technology, Privacy, Data Governance of #BBPS in detail. Watch https://www.youtube.com/watch?v=JCWhp2xTFsA

Provides a brief overview of #BBPS - https://blog.50p.in/97da8dbf1a91

Given this brazen privacy harm (damage of data hoarding / profile building that has already happened) as well as #NUELicensing , it might be right time to redesign #BBPS regulatory / system architecture.

Every bill payment made via 3rd party app/gateway has to be by regulation mandatorily through BBPS & RBI licensed NPCI as a regulated monopoly for BBPS. #BBPS aggregates household data & it is that is getting accessed by fintech's

https://blog.50p.in/bbps-making-households-data-rich-97da8dbf1a91

In Oct 2018, #CashlessConsumer complained to RBI/NPCI and top fintechs/banks about the privacy abuse in #BBPS for building credit profile database without the consent of individual https://medium.com/cashlessconsumer/2386c9f5296d

#CashlessConsumer Following up on consent-less auto fetch privacy violations in #BBPS

#NPCI's own data shows the practice of building credit profiles continue rampantly completely disregarding user consent & NPCI notice.

https://medium.com/cashlessconsumer/500ecc27fa30