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.
Head - Future of Finance
Research Associate
Senior Research Associate
Information from individuals is often stated to be the fuel that will power our new digital economy. As India powers into the information age, a key issue facing policymakers is the regulation of the use of this personal information.
Dvara Research Policy Brief - Implementing the Personal Data Protection Bill in India
Insights on Non-Personal Data (NPD)
Regulators and even the government have off-late been invested in understanding the landscape of fintech activities and devising an appropriate response to its attendant risks and opportunities.
In this Response, we present our comments on the RBI’s Discussion Paper on the Guidelines for Payment Gateways (PG) and Payment Aggregators (PA) in response to the call for comments from stakeholders (Reserve Bank of India, 2019c). Our comments are organised into five broad themes...
Reflecting on central recommendations in the Nilekani Report and the Vision 21 Document along with the key aspects of the user journey for digital payments.
On RBI’s proposed Public Credit Registry and its implications.
Response to the Reserve Bank of India on the Draft Enabling Framework for Regulatory Sandbox
Harms facing users in the digital ecosystem that players in the Indian ecosystem must contemplate in order to build appropriate safeguards
Examining the preparedness of the MSME sector to adopt digital platforms and report on the trends for adoption of IT.
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.
