Author(s): Utkarsh Yadav, Garvit Sagar, Abhineet Ranjan and Shambhavi Kashyap

Abstract: Algorithmic pricing is quickly changing India’s fintech landscape. It allows financial service providers to personalize interest rates, fees, and product offerings by using detailed consumer data. While these innovations offer efficiency and competitive advantages, they also raise important legal issues. These issues include the misuse of market power, price discrimination, and consumer privacy. This research looks at how algorithmic pricing in Indian fintech can lead to data-driven market abuses, such as collusion, exclusionary practices, and hidden discrimination. These problems exist at the intersection of competition law and data privacy regulation. By analysing recent actions by the Competition Commission of India (CCI), case law, and the implications of the Digital Personal Data Protection Act (DPDPA), this study evaluates whether current legal frameworks effectively address algorithmic harms. It highlights challenges like detecting algorithmic collusion, maintaining transparency while protecting trade secrets, and balancing consumer privacy with legitimate data use by firms. Through a comparative analysis with global practices and Indian case studies, the paper suggests regulatory strategies to align competition and privacy goals in fintech. The study aims to provide policymakers and industry leaders with practical recommendations that promote a fair, innovative, and privacy-respecting fintech sector in India while reducing the risks of algorithmic pricing abuse.

DOI: 10.22271/civillaw.2025.v5.i2d.177

Pages: 344-348 | Views: 183 | Downloads: 66

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