Papers In Peer Reviewed Journals

The Inclusive Finance India Report is a comprehensive and well-researched account on cumulative progress made in India toward reaching the ambitious goal of universal financial inclusion.

Digital payments are currently being envisioned as a gateway to financial inclusion for the poor and marginalised in India. In this article, Indradeep Ghosh, Executive Director, Dvara Research, examines the rationale for such a vision. He argues that the penetration of digital payments remains low for the poor and marginalised, partly because of unfavourable economics and partly because digital payments interfaces are not well designed to suit this segment. If India can overcome these two hurdles, then digital payments can indeed become more common among the poor and marginalised, and thereby catalyse much wider and deeper financial inclusion in India than has hitherto been possible.

The social protection landscape in India is transforming at rapid speed owing to the digitization of the various systems that are involved in the process flow of social protection delivery.

In The Return of the State: Restructuring Britain for the Common Good, editors Patrick Allen, Suzanne J. Konzelmann and Jan Toporowski bring together contributors to offer a roadmap for reforming the British welfare state in the aftermath of the COVID-19 crisis.

India’s post-GFC digital financial inclusion project has been conveyed by an officially constructed polysemic narrative that connotes three distinctive semantic fields: (a) post-colonial Indian developmental policies; (b) post-GFC financialising neoliberal financial inclusion programmes; and (c) traditional Hindu religious values of money and wealth

This paper seeks to understand the nature of harm emerging from personal data processing activities and its impact on user protection. To this end, the paper analyses how personal data-related harms are unique and distinct from other kinds of harms arising from torts, breach of contract, crime or defects in products and services.

This paper examines the increasing use of dark patterns in digital interfaces and the concerns they raise for consumer protection

This chapter documents the growing informalization of India’s labour force and the consequences of this phenomenon for the state of social protection in India.

In Work Want Work: Labour and Desire at the End of Capitalism, Mareile Pfannebecker and J.A. Smith address the problems in the prevailing discourse on work and outline how exactly we can put a post-work future into practice.

Recently, the Reserve Bank of India has begun licensing a new kind of retail bank, called payments banks, for the hitherto financially excluded.