This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.

While the system was rightly designed to eliminate ghost beneficiaries, the impact of exclusion errors needs to be professionally and independently evaluated in detail.

On June 25, 2022, the XKDR Forum and Dvara Research Foundation will be hosting an all day workshop.

An RBI Working Group has suggested that lending service providers be disallowed from providing credit enhancements such as FLDG (first-loss-default-guarantee). However, a risk-proportionate regulation of FLDG could address its risks, while allowing the ecosystem to benefit from innovation.

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.

A comparison of household portfolios across two nationally representative survey highlights substantial differences in the ownership of financial assets, while similarities in the incidence of indebtedness.

In India, the direct benefit transfer (DBT) system has gained enormous acceptance as a method of delivering welfare to the most deserving. It has been the main instrument of governments’ social protection response to the COVID-19 pandemic.

The study is authored by Aarushi Gupta, senior research associate at Dvara Research. Bindu Ananth, co-founder and chair of Dvara Trust. Bindu Ananth and Hasna Ashraf are fellow, Lancet Citizen’s Commission on Reimagining India’s Health Systems.

In this series's of blog posts, we will provide challenges and gaps in the BoCW Act implementation and highlight the viewpoints of multiple stakeholders in the BoCW Act registration and service delivery.

The Centre for Customer Protection is announcing a call for proposals for the Voice of the Aggrieved Customer (VoAC) project, under the auspices of CPP. The Centre invites Consumer Groups, Self-Regulatory Organisations (SRO), industry associations, Financial Service Providers (FSPs) including digital FSPs, DFS agents and business correspondents, financial planners/advisors, investigative journalists, institutional and independent academicians, research institutions/think-tanks and scholars to submit proposals to document authentic experiences of customers, in the context of digital financial services and customer protection.