Do UPI In-App Grievance Redress Mechanisms work for constrained users?
In this interim report, we document our observations about the user interface of In-App GRMs in UPI applications (UPI Apps). Our observations are based on our review of the customer redress journey on these GRMs – mainly in terms of the GRM’s accessibility and usability – from the lens of a low-income, digital immigrant customer.
An Agent Success Framework – Part I: Why must agent networks offer access to reliable CICO services?
In this blog post, we collate evidence of the various reasons that prevent the BC network from offering access to reliable CICO services all over the country. We rely on a mix of evidence in the form of qualitative case studies, survey results, and secondary sources.
Developing a Mechanism for ‘Market Monitoring of Customer-facing Issues with Unified Payments Interface (UPI)’
Under the Center for Customer Protection, Dvara Research has been working on developing a market monitoring tool that leverages social media data to identify customer-facing issues with India’s leading payment infrastructure, the Unified Payments Interface (UPI).
G20 meeting echoed importance of digital public infrastructure but there are four challenges
The promise of SP-ODEs is compelling but it is worth reiterating that deploying them would not automatically translate into better welfare delivery.
How govt surveys can be updated to better understand the financial lives of Indian households
There is a need for updated dataset on households’ consumption patterns, increased frequency of surveys on households’ balance sheet, and to collect data on financial well-being.
Must Shylock Receive His Pound Of Flesh? An Ethical Inquiry Into The Insolvency And Bankruptcy Regimes For Natural Persons
T he Insolvency and Bankruptcy Code, 2016 (Code) is the umbrella legislation for
insolvency resolution of corporate persons, partnership firms and individuals
State of Open Digital Ecosystems for Social Protection (SP-ODEs) in India
Technological advancement is enabling governments to break away from this fragmented model and adopt an approach that allows individual departments to share infrastructural capacities. In policy parlance, this new approach is referred to as an ‘ecosystem-based’ delivery model, wherein several government departments are integrated at the back end, operate on the same platform, with their workflows interoperable with each other.
Why endowment plan, a traditional life insurance scheme, is part of most household finances
Unlike term plans that provide life risk cover or unit-linked schemes, where returns are market-linked, endowment plans offer maturity benefits upon survival & minimum guaranteed return.
A Report on Addressing Debt Distress in a Post COVID World
Access to credit enables an individual and her household to achieve financial well-being and results in economic welfare outcomes for the entire society. However, excessive debt diminishes all developmental gains, and negatively impacts overall economic growth and stability.
How important is a ‘key facts statement’ and what it does (or doesn’t) tell you about your loan
Unlike terms & condition document, key facts statement is a simple, page-long snapshot of key information about a loan. However, depth of information it offers can be shallow.
