Part-2: Features of Public Credit Registries: An International Comparison
In this post, we investigate the mandates of the PCR as set out by the respective regulations and legislative instruments, associated reporting standards, and the operational features, including revenue models, if any.
Contrasting the Financial Disclosures Reported by HDFC Bank Limited in India and in U.S.
In this blogpost, we present the key differences in financial disclosures reported by HDFC Bank Limited in India and in the United States (U.S.). As of March 31, 2021, HDFC Bank Limited (henceforth the bank) had 18.65% of its shareholding in the form of American Depository Shares (ADS) that are listed on the New York Stock Exchange (NYSE).
Part 1- Public Credit Registries: An International Comparison
In this post, we discussed the formulation of the Public Credit Registries.
Demand for Health Insurance
Based on a study of the theoretical and empirical literature, we conclude with a set of hypotheses that looks at how demand for health insurance can be fostered by targeting both the components of demand (intention and action), through well-designed awareness measures and nudges to overcome the various behavioural biases involved.
Designing a consent artefact for digital financial services to cater to constrained users
In this policy brief, we review the literature to uncover the deficiencies of the consent model and propose measures to improve the consent artefact for new to technology and constrained users.
A Primer on Competition in the Digital Economy
Disruptive innovations (mainly through digitalisation) are resulting in a change in the structure of
markets and their functioning, emergence of new business models as well as new products and
processes (Organisation for Economic Co-operation and Development, 2017).
Well-functioning crop insurance crucial for reducing farmer’s vulnerability
It is an important tool for agrarian families to manage and mitigate their risks
Why RBI’s Decision to Mandate Core Banking Solutions May Hurt NBFCs
The RBI’s Scale Based Regulation (SBR): A Revised Regulatory Framework for NBFCs mandates a Core Banking Solution (CBS) for all NBFCs with more than 10 branches
Brief Commentary on RBI’s Final Guidelines on Securitisation of Standard Assets
In this post, based on our earlier comments on the draft guidelines, we analyse whether the highlighted issues have been addressed and also highlight few other potentially impactful changes that are contained in the new framework.
Even Before Pandemic, Debts Had Soared By 84% In Rural & 42% In Urban India
The pandemic-led economic crisis has exacerbated the rising indebtedness among India’s poor households, and could push more families into a debt trap
