Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
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Our opinion editorials are published in newspapers, magazines, and new-age online publications. They are an important tool for public discourse and advocacy. They help us to raise awareness about important issues, and they often provide a platform for perspectives from our researchers, to be presented and to be heard.
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
The heady optimism following the judgment is beginning to wane in the absence of a practical law that enforces the rights it asserted.
The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known.
The harvesting of 50 million Facebook users’ data for Trump’s presidential campaign underscores new challenges for data protection.
Future financial services providers will be akin to general physicians, who bear great responsibility for the health of their patients. Such a prescriptive approach would minimise instances of unsuitable advice.
These avoidable implementation challenges on account of Aadhaar can be significantly resolved by a clear legal articulation of permissible uses of Aadhaar through suitable amendments.
The collection and use of personal data in order to deliver public and commercial services is now routine in India. For a country with large digital ambitions, one of the key questions will be: How should we think about regulating the use of Indians’ personal data?
We are within striking distance of every Indian having access to a bank account and being able to easily send and receive payments. We should care deeply that millions of Indians are still turning to expensive informal financial services in the face of seasonal and volatile incomes, despite years of trying to improve access to basic financial services.
These less-discussed applications of fintech can transform microloan pricing and personal finance, leading to fair lending and wider inclusion
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.
