It has access to things no financial app should ever have and you can't revoke or disable anything. I repeat, you can't uninstall it, can't revoke permissions, can't disable it. You're basically handing them full control of your phone & the interesting part is it's a harmful app!
When I asked him what is this "settings" app? he casually said "it locks your phone if you miss EMIs. Everyone does it." Later, I checked the app's permissions and I was completely shocked. The access this app has is insane. It's not just about locking your phone for EMIs.
@MicrosoftIndia@MicrosoftEdge I hope you're aware of whats happening with your MS reward programme, how people are using VPN & multiple accounts to unethically earn the points and claim the gift cards.