consumers into a cycle of debt by ease of taking out a loan. This reinforces risky consumer habits and results in 1 out of 6 borrowers defaulting on their payments to these point of sale lenders. Moreover, the companies benefit at the expense of the consumer, so they make it seem harmless while advertising. Yet, it may hurt the consumers' credit by reporting to a credit bureau, trap them with debt, and give the merchant access to the consumer data profile. This creates a "feedback loop of injustice." Unfortunately, many vulnerable consumers come from low-income backgrounds and do not understand misleading practices, given their lack of digital literacy skills. When investigating these inequalities through activities related to these issues, Gangadharan (2015) discusses, "marginal users are exposed and vulnerable to various forms of profiling (e.g. committed by corporate, government, or bad actors) that target unwitting users for both intentionally and unintentionally harmful purposes." Additionally, filling out the fields on their application without submitting the form can still send the information to the server, thus giving the company access to the information typed. However, many marginalized users come to expect a lack of data privacy given that companies engage in data profiling tactics, calling it "the price of using the internet." Many feel that these marketplace and society see and target them as "second class citizens". In addition, a 2015 survey conducted by the Data & Society Research Institute studying technological experiences of 3,000 adults found that, "52% of surveyed consumers from the lowest income group said they did not know what information is being collected about them or how it is being used." With appropriate regulation and supervision, each of these institutional types can bring leverage to solving the microfinance problem. For example, efforts are being made to link self-help groups to commercial banks, to network member-owned organizations together to achieve economies of scale and scope, and to support efforts by commercial banks to 'down-scale' by integrating mobile banking and e-payment technologies into their extensive branch networks. Brigit Helms in her book Access for All: Building Inclusive Financial Systems, distinguishes between four general categories of microfinance providers, and argues for a pro-active strategy of engagement with all of them to help them achieve the goals of the microfinance movement. Microcredit and the Web Due to the unbalanced emphasis on credit at the expense of microsavings, as well as a desire to