Submission to International Finance Corporation (World Bank Group) for the inclusion of risks of over-indebtedness and debt distress among microfinance borrowers, in its Environmental and Social (E&S) Framework
In response to the public consultation, we argue that borrower over-indebtedness is a customer protection concern that must be explicitly recognised in the revised E&S Framework.
Comments to the Discussion Paper – Exploring safeguards in digital payments to curb frauds
In this response, we present our comments to the paper. We divide our comments into three sections.
Remedies for digital payment frauds
Static safeguards, targeting discrete acts of fraud, will only spur fraudsters to probe other vulnerabilities
Comments to Draft Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Amendment Directions, 2026, dated 6 March 2026
In this response, we present four recommendations to the Draft Amendments.
Principles of responsible and trustworthy AI in digital lending
The paper explores what RTAI means in the context of digital lending. The first section compiles principles of RTAI along with its essential components. The next section maps relevant tools for each principle. These tool recommendations can help lenders implement RTAI practices in their operations.
Summary of the RBI FREE AI Committee Report
In the first blog of this series of two, we break down (i) the Committee’s methodology, (ii) key insights on the current state of AI adoption, (iii) FREE AI Framework and (iv) its recommendations.
Responsible AI in digital lending
Fairness, explainability and human-in-the-loop principle are vital elements of Responsible AI
Responsible and Trustworthy AI in Digital Lending: From Principles to Practices
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.
Responsible AI means good business for all
When AI-driven decisions are fair, respect privacy and are not opaque, they foster customer confidence
Our Response to the Report on AI Governance Guidelines Development released by the Ministry of Electronics and Information Technology
The response presents our thinking on the governance of artificial intelligence (AI). It is divided into two parts. Part A summarises our key inputs which are also presented below in the form of this write-up. Part B provides a section-by-section paragraph-wise detailed feedback as per the Ministry’s Consultation Form requirements.
