Independent Research and Policy Advocacy

Advancing Digital Financial Inclusion of Women from Low-Income Households

Recoding Women’s Financial Inclusion

In an increasingly digitized world, Digital Financial Services (DFS) have emerged as a key tool for transacting, borrowing, saving, and investing. Policymakers and Financial Service Providers (FSPs) are keen to leverage DFS to advance financial inclusion, particularly for women from Low-Income Households (LIHs).

Report: The costs of using Buy Now, Pay Later (BNPL) products

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.

Primer on Suitability for Consumer Data Use and Product Design-4th Dvara Research Conference Regulating Data-Driven Finance April 5-6, 2019

he increasingly-pervasive use of personal data in the provision of financial services can enable providers to offer suitable financial products, at a scale. Internationally, suitability or appropriateness in finance is conceptualised as “the degree to which the product or service offered by the intermediary matches the retail client’s financial situation, investment objectives, level of risk tolerance, financial need, knowledge and experience”

An Emphasis on Product Suitability

Our earlier post covered the second approach to consumer protection that was discussed in the IFMR Financial Systems Design Conference 2012. This post carries details of the third session that discussed a framework for consumer protection based on the principle of ‘Suitability’.

Perspective on IRDA’s proposed ‘everything product’

The Micro-insurance sector has been often in the news in the recent times. This is primarily because of IRDA’s recent recommendation towards an “everything product” approach for which the Life Insurance Council has been asked to prepare a blue-print.

Simple products not always best

A common refrain that one hears in the context of financial services for low-income households is the importance of “keeping it simple”.

Financial inclusion needs friendlier products

Third in the series of articles in The Hindu Business Line, Puneet Gupta and Jayshree Venkatesan of IFMR Mezzanine  Finance write about some of the barriers to accessing finance.