‘Buy Now, Pay Later’: What is it, and how does it affect customer protection?
This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.
This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.
On June 25, 2022, the XKDR Forum and Dvara Research Foundation will be hosting an all day workshop.
In this paper, we look at what made a transition to managed competition possible in the Netherlands, how managed competition has played out, and the challenges that the system…
A comparison of household portfolios across two nationally representative survey highlights substantial differences in the ownership of financial assets, while similarities in the incidence of indebtedness.
In this series’s of blog posts, we will provide challenges and gaps in the BoCW Act implementation and highlight the viewpoints of multiple stakeholders in the BoCW Act registration…
The Centre for Customer Protection is announcing a call for proposals for the Voice of the Aggrieved Customer (VoAC) project, under the auspices of CPP. The Centre invites Consumer…
We presented detailed feedback on the Reserve Bank of India’s Discussion Paper on Review of Prudential Norms for Classification, Valuation and Operations of Investment Portfolio of Commercial Banks in…
In this post, we set out our vision for what social protection in India should aim to do, and then pose some questions on how we might achieve this.
In our response, we commend and highlight the more risk sensitive methodology and the corresponding disclosures outlined in the draft guidelines. However, we also point out that not including…
In this paper, we propose an analytical framework that provides an overview of the various actors and processes involved in financing, purchasing, provision and provider payments.
In this slide deck, we cover some of the key insights from the AIDIS 2019 that throw light on the current landscape of household finance in India.
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…
In this paper, we describe the social protection landscape in India which is transforming at rapid speed owing to the digitization of the various systems that are involved in…
In our response, we question the assumptions put forth by the discussion paper for the creation of DBs and the concomitant licensing and regulatory regime.
In this post, we Introduce the Dvara-Haqdarshak Study on Exclusion in Government to Person Payments.
Blog post series: This series of posts will attempt to do two things – first, to examine the definitional boundaries of social protection and where they relate to other…
This primer attempts to unpack the unique characteristics of digital markets, the implications that they have for business models of entities, and the attendant challenges of applying existing competition…
In this policy brief, we compare the design and historical experience of Bad Banks in other jurisdictions with the newly setup NARCL across dimensions relating to legal character, government…
In this piece, we revisit Enthoven’s principles and propose a broader definition of the concept of managed competition in order that it may encompass other countries’ experiences that do…
In this post, we investigate the mandates of the PCR as set out by the respective regulations and legislative instruments, associated reporting standards, and the operational features, including revenue…