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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In the following sections of this blog, we discuss the unique and complex financial lives of these households to set the context for product and process designs, delve into what a savings product for not just women but Low-Income Households (LIHs) in general could look like, and highlight some of the insights from various kinds of financial service providers on the challenges and opportunities in operationalising such a savings product for this segment.
Advancing women’s financial inclusion is a key policy objective for both advanced and emerging economies. Providing access to formal finance is seen as an important lever in helping poor women seize economic opportunities and build a resilient future for themselves and their families.
These fraudulent messages have proliferated during the pandemic, where fraudsters induce panic or excitement that impairs the customers’ ability to think clearly.
This research presents a framework comprising nine principles, which we believe are pre-requisites for creating user-centric GRMs.
The microfinance industry has witnessed moves by the Reserve Bank of India (RBI) to revise the regulatory framework (March 2022) for it and also caution it against an exclusive focus on business growth (November 2022).
This research brief aims to synthesize existing evidence on the performance of PMJJBY and PMSBY since their inception, the reasons for low participation in these schemes, and the barriers to their successful implementation.
When viewed from a consumer’s perspective, these challenges manifest at different stages of their journey with a health insurance program, beginning from the decision to enrol in a program and ending at the renewal stage. While tweaks to the design of the health insurance program or moving to a more integrated model of healthcare provision may help in this blog post, we explore the role that social capital can play in circumventing some of these challenges.
This blog post summarises key takeaways from a virtual workshop we recently hosted. It was conducted against the backdrop of a study that we recently concluded titled “Can information disclosures influence life insurance purchase decisions for low-income households?”.
An action project to help financial service providers detect debt distress among their borrowers and administer interventions to alleviate distress. Read the full report here.
An action project to help financial service providers detect debt distress among their borrowers and administer interventions to alleviate distress.
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.
