India’s Findex data: Reasons behind non-usage phenomenon even after widespread financial services
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
Banks must transmit rates for fruitful financial inclusion
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
Is there bang for the Mudra buck?
Op-Ed in Bloomberg Quint
One year after Supreme Court’s landmark judgement, India still remains unclear on privacy rights
The heady optimism following the judgment is beginning to wane in the absence of a practical law that enforces the rights it asserted.
An alternative to privatization of public sector banks
The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known.
In age of big data, routine information can be sensitive – and Indian law doesn’t protect us enough
The harvesting of 50 million Facebook users’ data for Trump’s presidential campaign underscores new challenges for data protection.
Customising financial services
Future financial services providers will be akin to general physicians, who bear great responsibility for the health of their patients. Such a prescriptive approach would minimise instances of unsuitable advice.
Last-mile issues can make or break the promise of Aadhaar
These avoidable implementation challenges on account of Aadhaar can be significantly resolved by a clear legal articulation of permissible uses of Aadhaar through suitable amendments.
Moving towards a user data rights regime
The collection and use of personal data in order to deliver public and commercial services is now routine in India. For a country with large digital ambitions, one of the key questions will be: How should we think about regulating the use of Indians’ personal data?
Aadhaar’s potential for financial inclusion
We are within striking distance of every Indian having access to a bank account and being able to easily send and receive payments. We should care deeply that millions of Indians are still turning to expensive informal financial services in the face of seasonal and volatile incomes, despite years of trying to improve access to basic financial services.
