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When Messenger Apps Adopt Fintech: Privacy Issues and Implications. WeChat, Line, WhatsApp and WhatsApp are all trying to monetize their messaging apps. Facebook’s WhatsApp pay is due to launch at the end of this month (May 2020) in India. However, the privacy implications for this kind of all-in-one app are huge. This enables the app to collect a staggering volume of personal data about you. Facebook is using India as the equally lucrative and rapidly changing playground to experiment.