Need a more flexible AePS environment
While the Aadhaar Enabled Payment System (AePS) has emerged as the foundational technology enabling cash-in cash-out (CICO) across the country, efforts by bad actors to defraud banking customers through it continue to be a pressing concern
Digitizing Women’s Money Management
In light of the challenges and opportunities presented by the prevalence of Digital Financial Services (DFS), the Digitizing Women’s Money Management (DWMM) project is aimed at contributing to the improvement of the landscape of financial services for women in Low-Income Households (LIHs).
What is the ‘Jan Dhan Account-Aadhaar-Mobile’ trinity & has it aided India’s war on poverty?
‘JAM’ trinity facilitates direct benefit transfers of welfare subsidies into bank accounts of poor, but teething issues have kept the programme from realising its true potential.
Govt linked JAM to DBT but the blindspot of ‘exclusion’ emerged. Here’s how to plug it
Large-scale scams in PM-Kisan suggest there’s vast leakage in DBT advantages. While inclusion errors are being tracked, exclusion should take priority.
Delivery Protocols in Aadhaar-enabled PDS: A Closer Look at Southern States in India
In this blog post, we discuss the processes involved in the last-mile delivery of Aadhaar-enabled Public Distribution System (AePDS) in five states of Southern India
A review of BIS’ paper on The Design of Digital Financial Infrastructure: Lessons from India
This blog post reviews the BIS paper, and offers some reflections and critiques based on the experience of these infrastructures in India.
Fix the problems in Aadhaar-based cash transactions
Cash withdrawals through micro ATMs have surged in the wake of covid-related disruptions. But a considerable number of these transactions fail, thus worsening the pain of the vulnerable sections.
Top 5 Game changers for the Indian Financial System in 2018
Summarising the dominant trends from the year gone by.
Last-mile issues can make or break the promise of Aadhaar
These avoidable implementation challenges on account of Aadhaar can be significantly resolved by a clear legal articulation of permissible uses of Aadhaar through suitable amendments.
Aadhaar’s potential for financial inclusion
We are within striking distance of every Indian having access to a bank account and being able to easily send and receive payments. We should care deeply that millions of Indians are still turning to expensive informal financial services in the face of seasonal and volatile incomes, despite years of trying to improve access to basic financial services.
