Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.
NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
Op-Ed in Bloomberg Quint
The risk-adjusted return from the lending activity of the bank erodes all the value created by the deposit-taking.
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.
In the latest edition of Economic & Political Weekly (EPW), Malavika Raghavan, Project Head, Future of Finance Initiative, at Dvara…
We should care deeply that millions of Indians are still turning to expensive informal financial services in the face of seasonal and volatile incomes, despite years of trying to…
Much of the focus of fintech vis-Ã -vis financial inclusion has been on payments and the ability to transfer money with relative ease using a mobile phone and an…