UPI databases should be interactive
Stakeholders should gather a common set of data points for each complaint, distinct from their data objectives
Building an Effective UPI In-App GRM for India’s Consumers
In this study, we focus on whether consumers use the grievance mechanisms provided in UPI apps in smartphones, and whether those mechanisms make for an easily navigable grievance redress journey ending in satisfactory resolution.
Agriculture Finance in India: A Landscape Review of Challenges & Opportunities
How can finance be designed and structured for agriculture, farmers, agricultural households, agrarian communities and the larger economy so as to ensure economic equity, social well-being, and environmental sustainability?
Ways to curb scams over UPI
Positive frictions while authorising transactions will give users some time before approving payment
A High-Frequency Cashflow Analysis of Low-Income Households in India
This paper aims to document the unique characteristics of the financial lives of low-income households in India. It focuses on the intra-year fluctuations in income that are faced by these households owing to the precarity of their occupations.
Fresh Credit Decisioning Ideas Needed For Final Push Towards Financial Inclusion
For two decades, India has doubled down on the policy prescription of providing financial ‘last-mile access’ to its rural and poor citizens. Has the effort succeeded? It depends on who you ask.
Life insurance and the importance of proper disclosures
This will inspire more consumer trust, and enhance transparency among agents
Curbing Scams in Unified Payments Interface
The white paper discusses a set of solutions for the ecosystem of actors to consider in tackling and curbing the illegitimate activity of scamsters and other fraudulent actors over the very popular Unified Payments Interface (UPI) of India.
The Case for Good Disclosures – Building A Two-Way Road Towards Suitable Insurance Sale
In this note, we discuss how the difficulty of selling life insurance led to bundling insurance with savings2, how such bundling can be sub-optimal, and why such products are popular despite adverse customer experiences. We then make a case for providing relevant, complete, and comparable information that can aid suitable product decisions, sale, and persistence. We also offer a template for what such a Customer Information Sheet could look like.