Express News Service CHENNAI: Several digital lending applications that are unauthorised by financial regulators are available on Google Play Store. The apps which look legit offer short-term credits for a high interest but end up harassing the customer by accessing their contact list and sending unpleasant messages to their family and friends. "I got a list of apps – all of which use the same Chinese white label provided app or server with names that are similar to popular Indian apps like Udhaar, FlipCash etc. One look at the privacy policy tells that all these are fake apps that are created with no legal entity, landing up on Play Store. The contact given for grievance officers are either fake or does not exist," says L Srikanth, a Fintech researcher who studied at least 10 such apps and his findings forced Google to remove them from Play Store.