Publication: Dvara Research

In this paper, we characterise the National Health Insurance system of Israel, its universal public healthcare system, as one which has adopted managed competition and achieved remarkable outcomes. We place the establishment of the system in the country’s political-economic context to determine the role of the structural factors in shaping health policy in the country.

Buy Now, Pay Later (BNPL) products have become one of the popular modes for customers to finance their retail purchases. BNPL products are being postured as challengers to credit cards that can make credit more accessible to customers at little to no cost.

In this post, we find that the distribution of net worth is skewed as there is a higher concentration of households with lower levels of net worth. It is also seen that households better integrated in the formal financial system enjoy a higher net worth compared to households that are not.

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.

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.

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

In this note, we discuss how the current approach of the PCA framework is inconsistent with the objectives it seeks to achieve.

This data book compiles trends on household participation in formal financial services over the last few years.

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.

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.