Towards designing UPI services for constrained users
This blog post summarises literature regarding users who are most likely to face difficulties in using digital payments, and some design principles and best practices that could simplify digital payment interfaces.
Payment Failures in Direct Benefit Transfers
Our recently concluded State of Exclusion study finds that payment failures during the back-end processing of a Direct Benefit Transfer (DBT) payment are a significant concern. In this blog piece, we highlight the broad takeaways to help the reader better understand the landscape of payment failures.We also set out some broad recommendations to be taken into consideration by the National Payments Corporation of India (NPCI) to improve the chances of a successful DBT payment.
Approaches to Assessing Household Income for Microfinance Clients
The Microfinance sector is gearing up for change as the recent RBI (Regulatory
Framework for Microfinance Loans) Directions, 2022 has put in place comprehensive
regulations to ensure customer protection
Note on RBI’s Prompt Corrective Action Framework for Non-Banking Financial Companies
In this note, we discuss how the current approach of the PCA framework is inconsistent with the objectives it seeks to achieve.
Financial portfolio of Indian households – A data book
This data book compiles trends on household participation in formal financial services over the last few years.
State of Exclusion : Delivery of Government-to-Citizen Cash Transfers in India
This report, a compilation of all our key learnings from field engagements spanning 7 states, attempts to bring the last mile to the fore of policy discussions on social protection entitlements and their delivery.
Incremental Adoption of Managed Competition in Germany
In this paper, we document the experience of Germany’s SHI system with managed competition and the challenges faced by this sub-system in faithfully implementing the principles of managed competition as originally envisioned by Enthoven.
‘Buy Now, Pay Later’: What is it, and how does it affect customer protection?
This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.
Call for Papers: Field Workshop on Household Finance 25th June, 2022
On June 25, 2022, the XKDR Forum and Dvara Research Foundation will be hosting an all day workshop.
Care through competition: The case of the Netherlands
In this paper, we look at what made a transition to managed competition possible in the Netherlands, how managed competition has played out, and the challenges that the system currently faces.
