Introduction

Demonetisation and other financial reformations are leading India a cashless economy. The transformation is made through adoption of Fin-Tech platforms and solutions notably PayTm and Google Tez. The financial transformation achieved through forceful seeding of Unique Identity Number - Aadhaar number in banking sector. Forceful Aadhaar seeding introduced some benefits for the governments and a little for the countrymen while the privacy was at limbo. Since management and protection in such fin-tech platform is core of this analysis, privacy policies and their impacts on common users are discussed. As internet penetration increased, end users benefited from competing platforms. In this study, cash based physical transactions, Aadhaar enabled Unified Payment Interface transactions, Blockchain transactions and also Gnu Taler based transactions are discussed.