This program focuses on solutions that speak to the changing landscape of issues pertaining to financial customer protection in India. It studies how institutional practices in customer protection can build trust and confidence to increase uptake and usage of formal financial products and services among low-income, rural, and women consumers.
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The two worlds of policy research and academic research (in economics) sometimes do intersect, but for the most part, they appear to me to be quite different arenas of inquiry, with different epistemologies and types of truth claims. This blog is about those differences as I see them, having worked in both domains.
This article aims to provide a preliminary estimate of the credit requirements of FPOs, drawing on the experience of professionals who have been closely associated with FPOs for several years in their development and operations.
In this document, we present our response to the policy document on DHRUVA (Digital Hub for Reference and Unique Virtual Address): The Digital Address DPI, hereafter referred to as the ‘policy document’, published by the Department of Posts in May 2025.
The Consultation Paper sets out the landscape of use cases of AI prevalent in the Indian Securities Market.
The survey was conducted between March and April of this year in partnership with Gram Vaani, a social technology company, in seven districts of Rajasthan: Ajmer, Alwar, Bharatpur, Bundi, Dausa, Deeg, and Jaipur.
Fairness, explainability and human-in-the-loop principle are vital elements of Responsible AI
By studying people’s instinctive, unguided ‘trust-decisions’, we hope to uncover their mental models of trust. More specifically, we aim to (i) articulate the expectations that customers have of trustworthy lenders, (ii) help lenders design their products in a manner consistent with the customer's expectations, and (iii) translate these principle-level expectations into processes that lenders may adopt in their customer service to become trustworthy.
This Whitepaper unpacks what RTAI would mean in the context of digital lending. While the term Responsible AI has been adequately conceptualized in academia and elsewhere, it still needs to be coherently contextualized to specific domains.
In this blog, we delve further to uncover the institutional, cultural, and evolutionary factors underpinning the challenges of engendering formal savings among LIHs.
In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
