NEW DELHI – Dhruv Garg is like every other upper middle class Indian teenager – digital savvy, whose life is hooked to the Internet. This includes shopping on Amazon for school essentials and ordering fast food together with friends through delivery services such as Swiggy.

But doing so has involved a recurring hassle – bothering his parents for their credit cards’ CVV (card verification value) as well as the bank’s OTP (one-time password) each time he makes an online transaction.

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