Marking up India’s Personal Data Protection Bill
India’s Personal Data Protection Bill, 2019 (the Bill) was introduced in Parliament in December 2019, and is currently under consideration by a Joint Parliamentary Committee of MPs.
‘Buy Now, Pay Later’: What is it, and how does it affect customer protection?
This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.
A Tale of Trade-offs: The Anatomy of the Direct Benefit Transfers System
While the system was rightly designed to eliminate ghost beneficiaries, the impact of exclusion errors needs to be professionally and independently evaluated in detail.
Call for Papers: Field Workshop on Household Finance 25th June, 2022
On June 25, 2022, the XKDR Forum and Dvara Research Foundation will be hosting an all day workshop.
RBI must accommodate fintech innovations, not ban them
An RBI Working Group has suggested that lending service providers be disallowed from providing credit enhancements such as FLDG (first-loss-default-guarantee). However, a risk-proportionate regulation of FLDG could address its risks, while allowing the ecosystem to benefit from innovation.
Care through competition: The case of the Netherlands
In this paper, we look at what made a transition to managed competition possible in the Netherlands, how managed competition has played out, and the challenges that the system currently faces.
Comparing Participation in Formal Financial Services across Two Nationally Representative Surveys: CPHS vs. AIDIS
A comparison of household portfolios across two nationally representative survey highlights substantial differences in the ownership of financial assets, while similarities in the incidence of indebtedness.
What Two New Surveys Say About the State of DBT’s Last Mile Woes
In India, the direct benefit transfer (DBT) system has gained enormous acceptance as a method of delivering welfare to the most deserving. It has been the main instrument of governments’ social protection response to the COVID-19 pandemic.
Health Savings Accounts for India – Another string in the bow?
The study is authored by Aarushi Gupta, senior research associate at Dvara Research. Bindu Ananth, co-founder and chair of Dvara Trust. Bindu Ananth and Hasna Ashraf are fellow, Lancet Citizen’s Commission on Reimagining India’s Health Systems.
DVARA-IMN BOCW Series
In this series’s of blog posts, we will provide challenges and gaps in the BoCW Act implementation and highlight the viewpoints of multiple stakeholders in the BoCW Act registration and service delivery.
