Independent Research and Policy Advocacy

The Case for Good Disclosures – Building A Two-Way Road Towards Suitable Insurance Sale

Designing a User-centric Grievance Redress Mechanism

Insurance is a hard sell anywhere in the world, but more so in developing countries like India, with a population that is predominantly low-income and largely informal. Life insurance, in its current form, came to India through the Europeans (1818) and was slowly Indianized. However, it was the nationalisation of life insurance and the state backing provided to the Life Insurance Corporation of India

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).

Insuring Low-Income Households- Why disclosure matters

In this deck, we discuss some factors influencing life insurance take-up, the problem with endowment life insurance for the low-income segment, and how better disclosures could be the first step in helping households choose the right insurance product for them.

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”