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Paytm向印度官方举报Google Pay利用用户支付数据牟利

国际资讯基于互联网平台的金融业务

Paytm向印度官方举报Google Pay利用用户支付数据牟利

Paytm致信NPCI(印度国家支付公司)称‘不受监管'的Google Pay会利用用户数据牟利。

在强烈谴责了WhatsApp的支付功能后,Paytm又将枪口对准了几周前宣布了其支付平台Google Pay的宏大计划的全球科技巨头Google。

该国最大的数字支付公司Paytm已经开始担心Google正在与联营公司和第三方用户分享印度消费者的支付数据。

Paytm援引了谷歌的隐私政策,并已致信给印度国家支付公司(NPCI)请求紧急调查此事。

Paytm在写给NPCI CEO Dilip Asbe的一封信中写道:“Google Pay是一个不受监管的平台,它能够利用客户的数据获取经济收益,完全无视用户对隐私的需求。”

Paytm还表示Google在印度以外的地方共享和存储用户数据,“一旦数据泄露,会导致严重的安全隐患。”它补充说,尽管如今印度正在制定数据保护法,谷歌仍可以与集团公司和其他印度以外的第三方公司共享数据。

“最近,WhatsApp已被勒令停止与其母公司Facebook共享用户数据。有鉴于此,Google Pay正在与谷歌、集团公司、支付参与方分享其用户的重要个人数据这一事实令人不安。“

作为对Paytm信函的回应,Google在写给《经济时报》的回复中表示它并未共享UPI(统一支付接口)数据。

其发言人表示,“Google Pay用户与Google之间有直接关系——根据Google Pay的服务条款,谷歌帐户归属谷歌有限公司。普通Google帐户允许对管理风险、欺诈、垃圾邮件以及增强安全措施进行所需的检查和管理,这些措施普遍适用于谷歌各产品,以保证各服务间的无缝体验,让用户受益。谷歌不会利用任何单独的UPI交易数据谋取任何经济利益,例如用于广告。”

统一支付接口是NPCI开发的支付系统,用于让全球科技公司与银行合作向印度消费者提供支付服务。这导致印度本土的支付公司(如Paytm一方)与全球性公司(如谷歌和WhatsApp)之间就争夺市场份额产生了剧烈的冲突。

印度最流行的消息应用WhatsApp在2月份为部分用户推出其支付功能时,Paytm创始人Vijay Shekhar Sharma对此就曾表示,他将针对与WhatsApp这种全球性公司存在不公平竞争的事实与NPCI进行接洽。

另一家最近受全球隐私保护问题影响的科技公司Truecaller也在印度提供支付服务。然而,由于它的产品几乎没有在印度消费者中引起关注,因此它并未引起印度竞争对手公司的注意。

然而,数据共享是支付平台的共同主题,但根据各公司在其网站上放出的隐私政策,他们对用户数据共享的程度各不相同。《经济时报》最近调查了有关各公司政策的详细信息,结果表明每家支付公司因交易目的都需要共享一些用户数据。有时,公司也会共享数据用于促销以及防欺诈检测。

PhonePe称要与其附属公司共享数据,这可能指的是Flipkart。Paytm自己表示,它只共享“需要知道”的数据。业内专家表示,由于印度尚未制定强有力的数据保护政策,因此公司可以在用户同意的情况下共享用户数据。

Paytm称,为确保使用数字支付的印度人隐私,所有支付公司都应该遵守约定,公平竞争。

尽管谷歌作为第三方服务提供商并非由印度储备银行(RBI)直接管控,但其他公司(如数字钱包和支付银行)均由RBI依据其支付政策进行管控。

谷歌去年在印度国内支付市场推出了Tez。运营一年内,它获得了大约2500万月活跃用户,共进行了8.6亿笔交易。最近该公司将Tez重新命名为Google Pay,已为自己设定了雄心勃勃的目标,要推动数字支付在印度的广泛使用并提升金融包容性。

With the ongoing data localisation debate intensifying further in India, digital payments giant Paytm has raised objections against global search giant Google’s payments services — Google Pay — sharing payments data with its group companies in the country. Not only this, the company has also taken up the stand for government’s data localisation policy, which it expects to be beneficial for the Indian startup ecosystem.

In a letter to the National Payments Corporation of India (NPCI) chief Dilip Abse, Paytm pointed out that Google has the scope of sharing the payments data of Indian consumers with affiliate companies and third-party users.

“Google Pay, which is an unregulated platform, has the scope of using their customers’ data for their monetary gains with complete disregard for the users’ need for privacy. Google sharing and storing user data outside India presented severe security implications in case of a data breach,” Paytm wrote in the letter.

In April, the Reserve Bank of India (RBI) had asked all payment system operators in the country to store data relating to their customers in India to ensure that user details remain secure in case of privacy breaches. Payment companies have been given time until October 15 to comply with these guidelines.

However, since the first circular in April, the RBI has not put out any updates on the matter, increasing anxiety among industry players.

“Recently, WhatsApp was directed to stop sharing users’ data with its parent company, Facebook. In light of this, it is disconcerting that Google Pay is sharing its users’ critical personal data with Google, group companies, payment participants,” the letter added.

A Google spokesperson told Inc42, “Google Pay users have a direct relationship with Google — as per Google Pay terms of service a Google Account is opened with Google LLC. A common Google Account allows for checks and controls required for managing risk, fraud, spam and for enhancing security measures, that are applied across Google products. It runs as a common thread across Google products allowing for seamlessness of service that a user can avail of and benefit from. Google does not use any individual UPI transactions data for any monetisation purpose e.g. for advertisements.”

In another letter to the top executives of IAMAI and the Payments Council of India, Paytm said, “This is the moment for us to support our nation and promote ‘Data Sovereignty’ over ‘Data Monopolisation,’ which is possible through data localisation.”

Paytm also said the country needs a strong consumer data protection framework that respects the privacy concerns of citizens, and a level playing field for the Indian startup ecosystem with respect to global tech giants.

Apart from Alibaba and Paytm, global companies such as Google, Microsoft, Xiaomi, and VMW, among others, have come forward to support the government’s move for data localisation. Recently, Alibaba Cloud president Simon Hu said that the company was keen on data localisation in every country to promote data security.

From the past few months, Paytm has been urging the government to push for storage of customer data within the country and for not allowing mirroring of the data overseas.

It was also reported that global search giant Google has agreed to abide by all the RBI requirements but has sought around two months extra to comply with the guidelines. In a media interaction, Google CEO Sundar Pichai also pitched in for a free flow of cross-border data on the Internet, emphasising on security and privacy of users.

Recently, the payments app Google Tez (since renamed Google Pay) garnered around 25 Mn monthly active users who have collectively carried out 860 Mn worth of transactions.


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