Towards designing UPI services for constrained users
This blog post summarises literature regarding users who are most likely to face difficulties in using digital payments, and some design principles and best practices that could simplify digital…
Digital Highways for Social Protection: Delivering Entitlements on the Doorsteps
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…
Top 5 Game changers for the Indian Financial System in 2020
Summarising the dominant trends from the year gone by.
Caps on Third Party App Providers in UPI: Missing the Woods for the Trees?
This blog post examines the merit of NPCI issued Guidelines that disallow TPAPs from serving more than 30% volume of all UPI transactions
Effects of Mobile-Based Financial Services on Migrant Households’ Remittances and Savings
In this paper the author examines the role of MBFS as channels of remittances; and as platforms for managing savings for migrant households.
Our Reflections from the Analysis of Data from CUTS on Accessibility & Experience of Digital Payments in India
In this data brief based on survey data received from CUTS, we present reflections to understand some of key questions.
Transaction failure rates in the Aadhaar enabled Payment System: Urgent issues for consideration and proposed solutions
This policy brief identifies serious categories of transaction failures in the Aadhaar enabled Payment System or AePS in India together with solutions for urgent discussion
Digital Payments in India: Reflections from the Union Budget, the RBI’s Payments Vision 2021 and the Nilekani Committee Report
Reflecting on central recommendations in the Nilekani Report and the Vision 21 Document along with the key aspects of the user journey for digital payments.
Looking at Retail Digital Payments Through a Data Lens
Data and trends of digital payments in India.
Reviewing Payments Regulation
India has a rich and diverse payments infrastructure. The eco-system of Payment Service Providers (PSPs) has undergone a rapid evolution…