The Future Of Finance Initiative

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 this blog post, we present our comments to the Report by the Committee of Experts on Non-Personal Data Governance Framework

On August 30, Paytm Mall allegedly suffered a massive data breach after being targeted of a group of hackers. The allegations were made by Cyble, a US cyber-risk intelligence firm. These were immediately denied by Paytm Mall, which, in turn, threatened to take legal action against Cyble. Meanwhile, customers and vendors have no way of verifying whether a breach occurred, or if their data has been compromised,

In this data brief based on survey data received from CUTS, we present reflections to understand some of key questions.

The Reserve Bank of India (RBI) recently allowed financial institutions to on-board new customers using video-KYC.

This blog post reviews the BIS paper, and offers some reflections and critiques based on the experience of these infrastructures in India.