Tag: Digital Financial Inclusion

In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.

This Whitepaper unpacks what RTAI would mean in the context of digital lending. While the term Responsible AI has been adequately conceptualized in academia and elsewhere, it still needs to be coherently contextualized to specific domains.

When AI-driven decisions are fair, respect privacy and are not opaque, they foster customer confidence

Establishing principle-level guidance on operationalising Responsible AI would induce clarity and confidence

Mobile Instant Credit (MIC) is rapidly growing as a financial inclusion tool, attracting policy and research interest. However, its impact remains understudied, with a weak Theory of Change. The blog highlights three overlooked impact areas and calls for insights from microfinance research.

Medium-to-low digital proficiency users experience anxiety when they have to use in-app mechanisms to deal with problems. It has got to do with designs that do not account for user proficiency and expectations. A few changes could uplift the experience for all users

 Our response covers two themes:
Leading from a customer protection perspective, our comments emphasise the need for the prospective SRO to have duties towards the customers, at par with responsibilities towards the regulator.

The framework should provide adequate compensation to victims, while investigative action continues in tandem

Stakeholders should gather a common set of data points for each complaint, distinct from their data objectives

Positive frictions while authorising transactions will give users some time before approving payment