This paper evaluates the quality of privacy policies of five popular online services in India -- Google, Whatsapp, Uber, Flipkart and Paytm -- from the perspective of access and readability. We ask -- do the policies have specific, unambiguous and clear provisions that lend themselves to easy...

International norms mandate customer identification as an essential step in accessing the formal finance. However, poor design of identification processes can lead to unwanted outcomes such as promoting exclusions from financial markets. In this context, this paper examines the ``know your...