Insurance companies should align their sales practices to generate the best outcomes for low income households by ensuring easy access to a variety of products with disclosures that provide accurate information.
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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.
Insurance companies should align their sales practices to generate the best outcomes for low income households by ensuring easy access to a variety of products with disclosures that provide accurate information.
The promise of SP-ODEs is compelling but it is worth reiterating that deploying them would not automatically translate into better welfare delivery.
Tremendous efforts have gone into creating new authoritiessuch as the Central Consumer Protection Authority.
Low-income households work with irregular income inflows, resulting in shrinking financial planning horizon and necessitating frequent decisions in response to frequent changes.
Indian households and businesses hold their wealth primarily in physical assets like real estate, gold, and durables, while barely investing in any financial assets.
Protecting citizens’ privacy is a pre-eminent mandate of any data protection regime. The Digital Personal Data Protection Bill appears to have departed farther away from that mandate
Social Protection Open Digital Ecosystems (SP-ODEs) can provide beneficiaries, government and service providers a unified, digital platform to better access welfare schemes.
The social dimension of household finances is often missed by popular commentary on finance, which sees such decisions as being made by an individual for only themselves.
The delivery infrastructure that supports social protection is in serious need of upheaval and is fraught with issues such as paucity of access points, operational issues causing transaction failure, and unethical activities like fraud.
More than half the payment failures may be due to incorrect Aadhaar details, or bank accounts that are wrongly flagged as inactive
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.
