IFMR Trust
IFMR Trust
Blog Post
  • As 2017 draws to a close we look back at some of the top developments in the financial sector and summarise the dominant trends that have emerged from the year gone by. Right to Privacy – A Fundamental Right On 24th August 2017, the Supreme Court in a landmark ruling confirmed that privacy is a […]

IFMR Trust
IFMR Trust
Blog Post
  • In the latest edition of Economic & Political Weekly (EPW), Malavika Raghavan, Project Head, Future of Finance Initiative, at Dvara Research, has authored an article on the Right to Privacy Judgment and its implications for financial inclusion. Excerpt: Technology promises to overcome traditional barriers to financial inclusion, in particular by harnessing insights from consumers’ personal […]

IFMR Trust
IFMR Trust
Blog Post
  • By Aryasilpa Adhikari, IFMR Capital  In India across various industrial and trading clusters, small scale manufacturers and traders use manufacturing methods aided by simple tools and technology, basic machines (usually old-reused machines which have outlived their useful life) and low skilled labour to produce and trade goods that get either locally consumed or form a part […]

IFMR Trust
IFMR Trust
Blog Post
  • By Deepti George, Dvara Research In our concluding blog post in the series on the conference we recently hosted, we attempt a synthesis of the big pertinent questions that emerged from the discussions. The Conference noted that in financial regulation, there are certain non-negotiable principles from a regulator’s point of view namely: financial stability, AML […]

IFMR Trust
IFMR Trust
Blog Post
  • In February 2018, CGAP, SPTF, Leapfrog and Dvara Trust (formerly IFMR Trust) are organising a learning event on customer centric business models in Mamallapuram, Chennai, India. The event titled “Customer Centricity: Enabling Financial Choices and Positive Outcomes for Low-Income Customers” is intended to influence financial service providers, investors, and policymakers to adopt a business model ...

IFMR Trust
IFMR Trust
Blog Post
  • By Nishanth K, Dvara Research This post is part of our blog series on the Conference on Designing Regulations for a Rapidly Evolving Financial System hosted by Dvara Research. In the previous blog post, we discussed about existing and new kinds of harms to consumers in a modular world, and consequently the need for consumer […]

IFMR Trust
IFMR Trust
Blog Post
  • By Beni Chugh, Varun Aggarwal and Malavika Raghavan, Dvara Research We met Sulekha[1] in a village in Uttarakhand. She was talking about the information she considered most important to her: her ration card, Aadhaar card, NREGA job card and her phone number. When asked how much she would sell this information for, she visibly withdrew […]

IFMR Trust
IFMR Trust
Blog Post
  • By Bindu Ananth Initially, Kanhaiya[i] was wary of speaking to us. He was clutching his wallet tightly and declared upfront that he would not be showing us his ATM card. As we spoke more about his journey as an agriculturist in a small village in Madhya Pradesh to a plaster of Paris contractor in Ghaziabad, […]

IFMR Trust
IFMR Trust
Blog Post
  • By Beni Chugh & Nishanth K, Dvara Research This post is part of our blog series on the Conference on Designing Regulations for a Rapidly Evolving Financial System hosted by Dvara Research (formerly known as IFMR Finance Foundation). In the previous blog posts, we discussed what we mean by Modularisation of financial services, and we looked at […]

IFMR Trust
IFMR Trust
Blog Post
  • By Madhu Srinvas, Dvara Research  This post is part of our blog series on the Conference on Designing Regulations for a Rapidly Evolving Financial System hosted by Dvara Research (formerly known as IFMR Finance Foundation). In a previous post of this series, we introduced the recent trend of ‘Modularisation’ that formed the basis for the […]

IFMR Trust
IFMR Trust
Blog Post
IFMR Trust
IFMR Trust
Blog Post
  • In the latest edition of The Securitisation & Structured Finance Handbook 2018 (published by Capital Markets Intelligence) Vishal Saxena and Dilip Mohan from IFMR Capital have authored a chapter as part of the publication. The chapter discusses an approach to estimate the loss distribution for a loan portfolio. This loss distribution can be used to […]

IFMR Trust
IFMR Trust
Blog Post
  • By Bindu Ananth I was at an excellent behavioural finance conference organised by the Michigan University’s Centre on Finance, Law & Policy last week. One of the panels on investor protection debated issues including the impacts of disclosures, choice architecture and social norms marketing on investor behaviour. There was also an interesting discussion on role […]

IFMR Trust
IFMR Trust
Blog Post
IFMR Trust
IFMR Trust
Blog Post
  • Guest Post by Dr Katharine Kemp, Research Fellow, UNSW Digital Financial Services Regulation Project Financial inclusion is not good in itself. We value financial inclusion as a means to an end. We value financial inclusion because we believe it will increase the well-being, dignity and freedom of poor people and people living in remote areas, […]

IFMR Trust
IFMR Trust
Blog Post
  • By Nishanth K & Madhu Srinivas, IFMR Finance Foundation The below table summarises, along some key dimensions, the stress testing methodologies adopted by the central banks in India, US, UK and EU to assess the stability of their banking system. It is to be noted here that the stress tests that individual banks conduct by […]

IFMR Trust
IFMR Trust
Blog Post
  • By Bindu Ananth & Malavika Raghavan, IFMR Finance Foundation 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 improve access to basic financial services. Any innovation with a promise to provide disruptive solutions deserves careful […]

IFMR Trust
IFMR Trust
Blog Post
  • By Vipul Sekhsaria, IFMR Holdings In the below video we share a brief conversation with Mr. Ulrich Hess, GIZ. Mr. Hess is currently a Senior Advisor, InsuResilience Initiative at GIZ, and has worked extensively in the field of natural catastrophe risk insurance market. In the video he shares his insights on the impact of natural […]

IFMR Trust
IFMR Trust
Blog Post
  • By Vipul Sekhsaria, IFMR Holdings Natural disasters leave behind them a tale of death and destruction that affects the economy on the whole and severely impacts communities, especially low-income households, which bear its brunt. While little can be done to prevent natural calamities like floods, cyclones, drought etc. from occurring, what perhaps can and should be […]

IFMR Trust
IFMR Trust
Blog Post
  • By Bindu Ananth 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 app such as the Unified Payment Interface (UPI)/Bharat Interface for Money (BHIM), or using the USSD protocol in case of feature phones. Here, […]

IFMR Trust
IFMR Trust
Blog Post
IFMR Trust
IFMR Trust
Blog Post
  • By Madhu Srinivas, IFMR Finance Foundation Following our initial post on a brief comparison of grievance redressal mechanisms existing in India for financial services, at first glance it can be seen that there is considerable variation in the process elements among the various sector ombudsmen. This is indicative of varying processes, approach and service levels […]

IFMR Trust
IFMR Trust
Blog Post
  • By Madhu Srinivas, IFMR Finance Foundation This is the first of a two-part blog series on the state of Grievance Redress in the Indian Financial System. An independent grievance redress function that financial services consumers have access to, in the event of less than satisfactory resolution of one’s grievances by the internal grievance redressal processes […]

IFMR Trust
IFMR Trust
Blog Post
  • By Malavika Raghavan, IFMR Finance Foundation On 8 March 2017, the Ministry of Electronics & Information Technology (MeitY) released a set of draft rules for security of prepaid payment instruments (Draft Rules), inviting comments by 20 March 2017.[1] The IFMR Finance Foundation’s Future of Finance Initiative has provided its response to the Draft Rules. The […]

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