Payment Failures in Direct Benefit Transfers
Our recently concluded State of Exclusion study finds that payment failures during the back-end processing of a Direct Benefit Transfer (DBT) payment are a significant concern. In this blog…
‘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.
Direct Benefit Transfers in Assam, Chhattisgarh, and Andhra Pradesh: Introducing the Dvara-Haqdarshak Study on Exclusion in Government to Person Payments
In this post, we Introduce the Dvara-Haqdarshak Study on Exclusion in Government to Person Payments.
Looking Ahead: Implications of the changes to Payments Banks and Prepaid Payment Instrument Frameworks
In this post, we analyse the RBI’s proposed policy changes to payments and settlements sector and how they might impact the PBs and PPIs
A review of BIS’ paper on The Design of Digital Financial Infrastructure: Lessons from India
This blog post reviews the BIS paper, and offers some reflections and critiques based on the experience of these infrastructures in India.
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…
Digitising Payment in our backyard
There has been a strong national imperative to move towards a “cashless” economy in India. Despite a substantive impetus from public and private sector forces, the adoption and use…