Let’s stop kicking the can down the road: Highlighting important and unaddressed gaps in microcredit regulations
Three issues that the RBI must prioritize as it seeks to revise MFI regulations. While the prescriptive nature of these regulations has helped by setting in place core systems, processes and an overall structure towards better compliance, there is a growing concern over the capability of the current regime to effectively protect borrowers from over-indebtedness.
Note on the RBI circular on External Benchmark for Banks
RBI would do well to rethink its strategy of improving policy transmission by linking retail loans to external benchmarks.
Reflections on 2019 Nobel Prize in Economic Sciences
On the 2019 Nobel Prize in Economic Sciences awarded to Abhijit Banerjee, Esther Duflo and Michael Kremer.
Blog Competition on Suitable Finance for Agricultural Households
Inaugural Dvara Research Blog Competition 2019
Implementing the Personal Data Protection Bill: Mapping Points of Action for Central Government and the future Data Protection Authority in India
Dvara Research Policy Brief – Implementing the Personal Data Protection Bill in India
The Contours of Public Policy for Non-Personal Data Flows in India
Insights on Non-Personal Data (NPD)
Financial Regulation of Consumer-facing Fintech in India: Status Quo and Emerging concerns
Regulators and even the government have off-late been invested in understanding the landscape of fintech activities and devising an appropriate response to its attendant risks and opportunities.
Comments to the Reserve Bank of India (RBI) on the Discussion Paper on Guidelines for Payment Gateways and Payment Aggregators (the Discussion Paper) dated 17 September 2019
In this Response, we present our comments on the RBI’s Discussion Paper on the Guidelines for Payment Gateways (PG) and Payment Aggregators (PA) in response to the call for comments from stakeholders (Reserve Bank of India, 2019c). Our comments are organised into five broad themes…
Budgeting Adequately for a Safety Net
Observations on the allocations for social welfare under the July 2019 Union Budget
Digital Payments in India: Reflections from the Union Budget, the RBI’s Payments Vision 2021 and the Nilekani Committee Report
Reflecting on central recommendations in the Nilekani Report and the Vision 21 Document along with the key aspects of the user journey for digital payments.
