Tag: Digital Financial Inclusion

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.

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.

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

Digital formal finance can potentially reduce the physical and social distance between women and financial services.

In this blog post, we present our comments to the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps, November 2021 (the Report) in response to the call for comments from all stakeholders by the Reserve Bank of India (RBI).

Providing a human interface at crucial touch points such consent, disclosure, and grievance redressal will allow for trust in fintech to rise, driving financial inclusion

In this policy brief, we review the literature to uncover the deficiencies of the consent model and propose measures to improve the consent artefact for new to technology and constrained users.

Disruptive innovations (mainly through digitalisation) are resulting in a change in the structure of
markets and their functioning, emergence of new business models as well as new products and
processes (Organisation for Economic Co-operation and Development, 2017).

A Convening on ‘Emerging Customer Risks in Digital Lending’ was conducted on April 22nd and 23rd, 2021, by Dvara Research Foundation in collaboration with the Consultative Group to Assist the Poor (CGAP).

Dvara Research, in partnership with CGAP, co-organized a round table on customer risks in the digital lending space. Here is the proceedings