INSIGHTS

Introduction : Financial technology businesses increasingly derive their competitive advantage from information. A digital lender may use a proprietary credit-scoring model, a payments platform may develop fraud-detection systems around transactional patterns, and an account-based service may rely on sophisticated customer segmentation. Alongside these technologies sits personal data belonging to borrowers, account holders and users. The same technological ecosystem can there

Introduction : The Digital Personal Data Protection Act, 2023 (the "DPDP Act"), changes how India approaches personal data by establishing one primary principle: consent. However, what is not known by many is the fact that the statute requires that not only is consent obtained but that the data fiduciary can explain how consent has been obtained and from where the data was obtained. Section 6(10) places the responsibility on the data fiduciary to show that a legally valid not

Introduction : The creation of pictures, videos, and music has been altered by generative AI. A person's face may be convincingly superimposed on another's body, a voice can be copied from a brief recording, and a synthetic video can show a public figure promoting a product or making a political statement that they never authorized or uttered in 2026. These technologies are suitable for use in creative expression, dvertising, movies, and accessibility. Nevertheless, they have