Inclusive, efficient, accountable — how to make digital welfare platforms more citizen-centric
Any digital system built to deliver social protection to citizens must accentuate the benefits of digitisation for citizens while suppressing any harm to them.
Can information disclosures influence life insurance purchase decisions for low-income households?
There are several reasons for low take-up of life insurance policies in general and specifically low take-up of term life insurance. These factors range from supply side barriers such as misaligned incentive structures for agents selling life insurance policies, lack of availability and accessibility to a larger suite of life insurance products customized to the needs of low-income households to demand-side barriers such as household’s contextual factors that limit their awareness and priority for a life insurance product and their behavioural preferences pertaining to life insurance products.
From digitisation to platformisation — how social protection schemes can be made more accessible
Social Protection Open Digital Ecosystems (SP-ODEs) can provide beneficiaries, government and service providers a unified, digital platform to better access welfare schemes.
Can financial decisions be free of emotion? Why it’s not the case in Indian households
The social dimension of household finances is often missed by popular commentary on finance, which sees such decisions as being made by an individual for only themselves.
Managed Competition in Colombia
Colombia’s healthcare domain, like many other sectors in the country, was completely overhauled as part of the country’s sweeping reforms that followed the adoption of a new Constitution in 1991.
How banking infrastructure impacts citizens’ withdrawal of social protection benefits
The delivery infrastructure that supports social protection is in serious need of upheaval and is fraught with issues such as paucity of access points, operational issues causing transaction failure, and unethical activities like fraud.
From Digital Payments to Financial Inclusion: The Challenges Ahead
Digital payments are currently being envisioned as a gateway to financial inclusion for the poor and marginalised in India. In this article, Indradeep Ghosh, Executive Director, Dvara Research, examines the rationale for such a vision. He argues that the penetration of digital payments remains low for the poor and marginalised, partly because of unfavourable economics and partly because digital payments interfaces are not well designed to suit this segment. If India can overcome these two hurdles, then digital payments can indeed become more common among the poor and marginalised, and thereby catalyse much wider and deeper financial inclusion in India than has hitherto been possible.
Backend botch-ups hamper Direct Benefit Transfer payments
More than half the payment failures may be due to incorrect Aadhaar details, or bank accounts that are wrongly flagged as inactive
A Social Stock Exchange For India
Social enterprises will have to conform to much higher standards of reporting than they are conventionally used to.
Health Insurance Ownership in India
In this study, we conduct a quantitative analysis of household finance data to understand the status of health insurance ownership in India, identify the determinants of health insurance ownership, and understand the relationship between households’ access to health insurance and their health expenditure.
