In the USA these sorts of issues may be troublesome to a small fraction of the people so that government and business can largely ignore it without it inconveniencing too many people, but in India it’s sheer madness. So you know what happens instead? You just don’t deal with the dodgy phone app or website, but instead ring the company’s local agent, or go into the company’s shop, or something like that, and they bypass their broken system. Exactly the same as the conclusion of this article.
India’s digitalisation of things is frequently very half-baked. Maybe the end state in another twenty years will be worthwhile, but in the mean time, things are often worse than they were before the attempt was made.