These less-discussed applications of fintech can transform microloan pricing and personal finance, leading to fair lending and wider inclusion
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A well-functioning and resilient financial system needs a good mix of institutions that collectively meet the financial intermediation needs of the country, be it individuals, households, businesses, sectors and local governments, while simultaneously enhancing the stability of the system as a whole.
Head - Financial Systems Design
Research Associate
Research Associate
These less-discussed applications of fintech can transform microloan pricing and personal finance, leading to fair lending and wider inclusion
Following our initial post on a brief comparison of grievance redressal mechanisms existing in India for financial services, at first glance it can be seen that there is considerable variation in the process elements among the various sector ombudsmen.
This is the first of a two-part blog series on the state of Grievance Redress in the Indian Financial System.
In this post we assess the state of bank credit depth for the state of Uttar Pradesh (UP) and the variation in credit depth across the 75 districts of UP during the 2004-12 period.
In the second post of our two-part series on Monetary Policy Transmission, we take a closer look at the impediments to policy transmission in India and also list the recent measures taken by RBI/Government to overcome these impediments.
Monetary policy plays a significant role in determining the trajectory of a country’s economy. While not directly affecting the structure of a financial system, the policy significantly influences the actions of economic agents of the financial system, including financial institutions
Non-banking finance companies (NBFCs) represent an important linkage between the formal banking sector and informal segments of the real economy in India (wage labourers, smallholder farmers, unorganised retail, and domestic workers) through the channelling of credit from the former to the latter. They have a significant presence in the microfinance, small business finance and commercial […]
Non-banking finance companies (NBFCs) represent an important linkage between the formal banking sector and informal segments of the real economy in India
RBI recently released the operating guidelines for the Small Finance banks and Payments Banks on October 6, 2016. To take stock of these, we have put together a brief comparison of the regulatory requirements of these banks against those for universal banks.
Banks in India, whether large or small, have traditionally been required to adopt similar strategies to expanding their banking businesses.
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.
