Building a fintech app in India means balancing two masters — RBI and Google Play.
RBI wants visibility, audit trails, and control.
Google Play demands privacy, restriction, and user protection.
Both are right. Both are strict.
And fintech developers are stuck in between.
Dual-Compliance by Design
- Use App Set ID + Play Integrity instead of device IMEI.
- Switch to SMS Retriever / User Consent API for OTPs.
- Wrap third-party SDKs — gate by consent, minimize data, pin versions.
- Store regulated data on India-region servers.
- Align with OWASP MASVS v2 + MASTG for app hardening.
The Takeaway
Compliance is no longer a checklist — it’s a design principle.
Your app must satisfy both the regulator and the platform.
🔗 Full article:
https://medium.com/@vaibhav.shakya786/google-play-vs-rbi-the-hidden-compliance-war-inside-every-fintech-app-2025-edition-be92f4933578
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