| Abstract | The rapid expansion of digital services has increased the importance of data
privacy, security, and Know Your Customer (KYC) frameworks in financial
and governance systems. However, marginalized populations including lowincome
groups, rural communities, migrants, women, and informal workers
often face significant challenges in accessing these systems due to limited
digital literacy, lack of formal identification, and inadequate infrastructure.
This paper examines the intersection of data privacy, security, and KYC
processes in the context of marginalized communities, highlighting how
exclusionary design and weak data protection mechanisms can deepen social
and economic inequalities. It explores key risks such as data misuse,
surveillance, identity theft, and consent violations, which disproportionately
affect vulnerable groups. The study also existing regulatory frameworks and
digital identity initiatives, with a focus on balancing financial inclusion and
individual rights. The paper concludes by emphasizing the need for inclusive
KYC models, robust data protection laws, and community-centric digital
literacy programs to ensure secure, equitable, and rights-based access to
digital services for marginalized populations.
Key Words : Challenges, Data Privacy, Security, KYC.
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