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First look at Google Tez: audio based p2p payment; 7 Indic languages; VPA issues

Update: One point that Anivar Aravind had pointed out in his tweets was Google's terms and conditions for Tez, which appears to allow anyone to add Aadhaar numbers of others in their Tez account. When asked about this at the press conference today, Google said that (and we quote with slight paraphrasing): "There's a feature called Pay by Aadhaar on UPI and it's an optional feature. There is a lack of regulatory and legal clarity on how to use Aadhaar. Right now there's no pay by Aadhaar on UPI. We are working with regulatory authorities, our legal team and the NPCI to understand how it works. We added it to our ToS (Terms of Service), because we felt that there was a possibility (of rolling it out in the future), and that some of you can read it (in the terms and conditions). Any new feature coming in, users will be notified about it." Update: Anivar Aravind, founder of the Indic Project and a FOSS contributor is looking at the terms and conditions for Tez. Here's what we know now. Tez's usage will be limited to India and will require users to have an Indian bank account and Indian phone number. Users will have to be physically present in India for the service. Google may charge users for UPI transactions. The terms and conditions mention that Google will inform users of any fees and Google will have the right to choose the fees. Note that HDFC Bank started charging customers for outward…

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Founder @ MediaNama. TED Fellow. Asia21 Fellow @ Asia Society. Co-founder SaveTheInternet.in and Internet Freedom Foundation. Advisory board @ CyberBRICS

MediaNama’s mission is to help build a digital ecosystem which is open, fair, global and competitive.

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