Theme: Regulatory and Supervisory Frameworks

Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders

A closer look at recent Payments Banks KYC and conduct violations.

The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known.

The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known. Reform proposals have focused largely on ownership and have issued strident calls for privatization. Even if there was political support for this idea, there are a few important challenges.

The rationale stated by RBI was that this would level the playing field between foreign and domestic banks with regard to these targets, which it does indeed, albeit to the extent that in the short term, now foreign banks may also have to follow strategies similar to those of their domestic counterparts to build their loan books for these subcategories.

In our concluding blog post in the series on the conference we recently hosted, we attempt a synthesis of the big pertinent questions that emerged from the discussions.

This post is part of our blog series on the Conference on Designing Regulations for a Rapidly Evolving Financial System hosted by Dvara Research.

This post is part of our blog series on the Conference on Designing Regulations for a Rapidly Evolving Financial System hosted by Dvara Research (formerly known as IFMR Finance Foundation).

Dvara Research (formerly known as IFMR Finance Foundation) held its 3rd Financial Systems Design Conference on August 4th and 5th, 2017 in Chennai India.

These less-discussed applications of fintech can transform microloan pricing and personal finance, leading to fair lending and wider inclusion