Is it time to introduce wholesale banks in India?
NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs
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.
An Alternative to Privatization of Public Sector Banks
The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known. Reform proposals have focused largely on ownership and have issued strident calls for privatization. Even if there was political support for this idea, there are a few important challenges.
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.
