Part 1- Public Credit Registries: An International Comparison
In this post, we discussed the formulation of the Public Credit Registries.
Demand for Health Insurance
Based on a study of the theoretical and empirical literature, we conclude with a set of hypotheses that looks at how demand for health insurance can be fostered by targeting both the components of demand (intention and action), through well-designed awareness measures and nudges to overcome the various behavioural biases involved.
Designing a consent artefact for digital financial services to cater to constrained users
In this policy brief, we review the literature to uncover the deficiencies of the consent model and propose measures to improve the consent artefact for new to technology and constrained users.
A Primer on Competition in the Digital Economy
Disruptive innovations (mainly through digitalisation) are resulting in a change in the structure of
markets and their functioning, emergence of new business models as well as new products and
processes (Organisation for Economic Co-operation and Development, 2017).
Brief Commentary on RBI’s Final Guidelines on Securitisation of Standard Assets
In this post, based on our earlier comments on the draft guidelines, we analyse whether the highlighted issues have been addressed and also highlight few other potentially impactful changes that are contained in the new framework.
Tracing the History of IRDAI’s Regulations on Suitability and its Interpretations by Market Participants – Part 2
In this blog post, which is the second part of the two-part series, we studied the suitability formats of four life insurance companies and found many contrasts in the manner in which IRDAI’s suitability regulations of 2019 has been implemented.
Tracing the History of IRDAI’s Regulations on Suitability and its Interpretations by Market Participants – Part 1
This blog post, which is the first of a two-part series, aims to trace the history of IRDAI’s regulations regarding suitability assessments for life insurance.
Addressing Borrower Distress- A Principle-based Approach
In this post, to help enhance the efficacy of relevant frameworks, we lay out the key principles that the two primary actors, the banking sector regulator and the regulated lenders, must be guided by while designing policies to tackle debt distress caused by severe economic shocks.
How Microcredit Borrowers Availed the COVID-19 Debt Moratorium: A Case Study
In this blog post-through a case study, we analyse how microcredit borrowers availed the debt moratarium and through that identify how much they may have been impacted by COVID-19 and lockdowns.
Universal Health Coverage through Statutory Health Insurance in Germany
In this blog post, we analyse Germany’s Statutory Health Insurance and its lessons for health systems design.
