Shining the light on mis-selling in Indian banking
Without focus by regulators on mis-sale, we put confidence of retail customers at risk
Are we protected enough?
Research on Life insurance coverage and metrics used to measure
Differentiation in banking models is a must to drive competition
Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.
Is it time to introduce wholesale banks in India?
NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs
India’s Findex data: Reasons behind non-usage phenomenon even after widespread financial services
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
Banks must transmit rates for fruitful financial inclusion
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
Is there bang for the Mudra buck?
Op-Ed in Bloomberg Quint
An Alternative to Privatization of Public Sector Banks
The risk-adjusted return from the lending activity of the bank erodes all the value created by the deposit-taking.
Last-mile issues can make or break the promise of Aadhaar
These avoidable implementation challenges on account of Aadhaar can be significantly resolved by a clear legal articulation of permissible uses of Aadhaar through suitable amendments.
The Privacy Judgment and Financial Inclusion in India
In the latest edition of Economic & Political Weekly (EPW), Malavika Raghavan, Project Head, Future of Finance Initiative, at Dvara…