This article examines whether emerging frameworks would address interconnected data and cyber risks cogently and what the next frontier of sectoral resilience policy must account for.
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This article examines whether emerging frameworks would address interconnected data and cyber risks cogently and what the next frontier of sectoral resilience policy must account for.
The Reserve Bank of India has its task cut out. Real time information sharing has to be operationalised
India's financial inclusion numbers are often presented as a policy success story. The Reserve Bank of India's (RBI) Financial Inclusion Index increased from 64.2 in 2024 to 67 in 2025. Bank accounts, credit, digital payments, and insurance products have all scaled significantly over the past decade. By nearly every access metric that is traditionally tracked, the story looks like unambiguous progress.
MSME segment is mammoth and has very distinct and crucial subcategories. Responding to this heterogeneity can spur momentum across the entire sector
Static safeguards, targeting discrete acts of fraud, will only spur fraudsters to probe other vulnerabilities
Liquidity support by the Centre may offer symptomatic relief, but India’s microfinance sector needs a structural recast. Without reforms to address recurring cycles of over-lending and loan stress, another credit guarantee package will only postpone the next crisis in this fragile sector.
Fairness, explainability and human-in-the-loop principle are vital elements of Responsible AI
When AI-driven decisions are fair, respect privacy and are not opaque, they foster customer confidence
Establishing principle-level guidance on operationalising Responsible AI would induce clarity and confidence
While the Aadhaar Enabled Payment System (AePS) has emerged as the foundational technology enabling cash-in cash-out (CICO) across the country, efforts by bad actors to defraud banking customers through it continue to be a pressing concern
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.
