DPDP Act, Trade Secrets and Algorithmic Confidentiality in Indian FinTech

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 therefore contain two...