About spam, we've been working with the capital markets regulators, cyber crime units (Police), and TRAI (telecom regulator). It is a nasty issue that plagues all capital markets institutions in India. I'd gone into some detail on the data leaks on this Reddit AMA last year: https://www.reddit.com/r/IndiaInvestments/comments/bhv18e/we...
Good that you are taking action on the spam callers and hopefully other improvements have reduced the service interruptions. The regulatory environment possibily does not look with kind eyes on new entrants in the financial services industry. So I think you might have had many struggles to reach where you are.
I really didn't intend to shower negative sentiment about the service, only to highlight a few complaints I have heard, but later I saw it had become the topmost comment.
As an analogy, it is precisely this kind of a distributed tracking and control of spam and DDOS that made cloudflare a valuable service.