Current - Issue
Year 2026 · Volume 5 · Issue 3
Original Article
Loan App Safety Check: An OSINT Based Explainable Risk Assessment Framework for Identifying Predatory Digital Lending Applications in India
Sophia Philip Dcruz1
1 Department of Information Technology, Patkar Varde College, Mumbai, Maharashtra, India.
Published Online: September-December 2026
Pages: 110-120
Cite this article
↗ https://www.doi.org/10.59256/indjcst.20260503015
References
1. Google. (2026a). Financial services. Google Play Console Help. https://support.google.com/googleplay/android-developer/answer/9876821
2. Google. (2026b). Personal loans in India. Google Play Console Help. https://support.google.com/googleplay/android-developer/answer/16604194
3. Lekshmi, A., Atul, J., Pillai, A. J., & Dhanya, M. (2025). Risks in instant loan apps: Analyzing user perceptions using machine learning approach. In ICT Analysis and Applications (pp. 461–471). Springer. https://doi.org/10.1007/978-981-97-8602-2_41
4. Ramesh, D., Kameswaran, V., Wang, D., & Sambasivan, N. (2022). How platform-user power relations shape algorithmic accountability: A case study of instant loan platforms and financially stressed users in India. Proceedings of the ACM on Human-Computer Interaction, 6(CSCW2), Article 444. https://doi.org/10.1145/3531146.3533237
5. Reserve Bank of India. (2022, September 2). Guidelines on digital lending. https://www.rbi.org.in/
6. Reserve Bank of India. (2024a, August 8). Statement on developmental and regulatory policies: Public repository of digital lending apps. https://www.rbi.org.in/
7. Python Software Foundation. Python Documentation.
8. Streamlit. Streamlit Documentation.
2. Google. (2026b). Personal loans in India. Google Play Console Help. https://support.google.com/googleplay/android-developer/answer/16604194
3. Lekshmi, A., Atul, J., Pillai, A. J., & Dhanya, M. (2025). Risks in instant loan apps: Analyzing user perceptions using machine learning approach. In ICT Analysis and Applications (pp. 461–471). Springer. https://doi.org/10.1007/978-981-97-8602-2_41
4. Ramesh, D., Kameswaran, V., Wang, D., & Sambasivan, N. (2022). How platform-user power relations shape algorithmic accountability: A case study of instant loan platforms and financially stressed users in India. Proceedings of the ACM on Human-Computer Interaction, 6(CSCW2), Article 444. https://doi.org/10.1145/3531146.3533237
5. Reserve Bank of India. (2022, September 2). Guidelines on digital lending. https://www.rbi.org.in/
6. Reserve Bank of India. (2024a, August 8). Statement on developmental and regulatory policies: Public repository of digital lending apps. https://www.rbi.org.in/
7. Python Software Foundation. Python Documentation.
8. Streamlit. Streamlit Documentation.
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