Responsible AI in digital lending
Fairness, explainability and human-in-the-loop principle are vital elements of Responsible AI
Our Observations on the Draft Banning of Unregulated Lending Activities (BULA) Act by the Ministry of Finance (MoF), GoI
On 13 December 2024, the Ministry of Finance, Government of India (MoF) released the draft Banning of Unregulated Lending Activities (BULA) Act. This aligns with recommendations made in the Report of the Working Group on Digital Lending.
Unpacking Customers’ Trust: How do Customers come to Trust Digital Lenders?
In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.
Responsible and Trustworthy AI in Digital Lending: From Principles to Practices
This Whitepaper unpacks what RTAI would mean in the context of digital lending. While the term Responsible AI has been adequately conceptualized in academia and elsewhere, it still needs to be coherently contextualized to specific domains.
Paisas to Prosperity: The Long Road to Savings
In this blog, we delve further to uncover the institutional, cultural, and evolutionary factors underpinning the challenges of engendering formal savings among LIHs.
Financing Regenerative Agriculture in India
In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.
Studying Exclusion in State-Sponsored Health Insurance: The Case of Mukhyamantri Ayushman Aarogya Yojana
In this note, we present a citizen-centric framework to study the factors that limit the effectiveness of state-sponsored health insurance schemes.
Responsible AI means good business for all
When AI-driven decisions are fair, respect privacy and are not opaque, they foster customer confidence
Financial health Transcending from access to impact
Almost 65% of India’s population lives in its rural areas.1 India’s financial sector has seen unprecedented expansion, driven by policy initiatives, digital infrastructure and regulatory reforms. Initiatives like Pradhan Mantri Jan-Dhan Yojana (PMJDY), Aadhaar-linked banking, Unified Payments Interface (UPI) and digital lending have significantly improved access to financial services, particularly for underserved segments.
Emerging Trends and Shifts in Microfinance
This study sought to understand the impact of the new regulations on the microfinance sector through the lens of different categories of stakeholders – customers, leadership at microfinance institutions (MFIs) and intermediating staff.
