The Future of Finance Initiative seeks to identify and address new challenges for policy and regulation in India given the waves of digital innovation currently sweeping financial services. Our work in this initiative studies the impacts of digitisation and technological innovation in Indian finance, leading from the consumer perspective on these issues.
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An analysis of literature on the socio-economic implications of sharing privately held NPD and the objectives of other comparable frameworks suggests that the rationale for some of these goals are unclear. They do not take into consideration the complete economic and social merits and demerits of sharing privately held NPD.
In this blog post, we present our comments to the Report by the Committee of Experts on Non-Personal Data Governance Framework, December 2020
In this blog post, we summarise our comments to the Working Document: Enforcement Mechanisms for Responsible #AIforAll
This research note intends to offer a solution-oriented feedback to the Working Document: Enforcement Mechanisms for Responsible #AIforAll (Working Document) released by the NITI Aayog in November 2020.
Governments around the world are trying to build large data registries for effective delivery of a variety of public services. However, these efforts are often undermined due to serious concerns over privacy risks associated with collection and processing of personally identifiable information.
This blog post examines the merit of NPCI issued Guidelines that disallow TPAPs from serving more than 30% volume of all UPI transactions
This paper seeks to understand the role of the Indian Central Bank in regulating information flows through Account Aggregators. These are licensed entities exclusively dedicated to collecting, retrieving and sharing customers’ financial information with other financial entities with the customers’ consent.
Through this blogpost, we release the Conference Proceedings for the Fourth Dvara Research Conference, 2019 on the theme of “Regulating Data-driven Finance”
This research brief attempts to bridge the gap in the literature by systematically examining the current state of digital lending serving the MSME sector in India
This response identifies some overarching concerns with the Report that we seek to convey and substantiate. They are categorised under the following three sections: Section 1: The Report fails to identify the basis for a separate regulatory regime to regulate non-personal data (NPD).
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.
