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Deepfakes and potential implications for online identity verification
Jul 18, 2024

Deepfakes and potential implications for online identity verification

Research highlights the potential for deepfakes to undermine trust in online identity verification processes, which have come a long way in reducing t

बांगलादेशचे आर्थिक भविष्य : 7 मुद्द्यांचा अजेंडा
Feb 02, 2024

बांगलादेशचे आर्थिक भविष्य : 7 मुद्द्यांचा अजेंडा

बांगलादेशमध्ये अवामी लीगने सलग चौथ्यांदा विजय मिळवला. य�

Bangladesh’s economic future: A seven-point agenda
Jan 11, 2024

Bangladesh’s economic future: A seven-point agenda

With Awami League winning the 4th consecutive term, this re-election opens up interesting implications for the country’s economic future

Will national elections compromise Spain’s moment under the sun?
Jul 03, 2023

Will national elections compromise Spain’s moment under the sun?

Even though Spanish politicians are pacifying fears that the national elections would not affect its EU presidency, a change of guard would most likel

Can the dollar hedge itself against upcoming global financial hegemonies?
Jun 21, 2023

Can the dollar hedge itself against upcoming global financial hegemonies?

The need for a more multipolar global currency system is being raised amidst the rise of newer currencies and growing criticism of the US dollar

Budget 2023: Banking on India’s optimism for the future
Feb 02, 2023

Budget 2023: Banking on India’s optimism for the future

Geopolitical realignments and deft footwork by our diplomats have put India in a favourable position versus the rest of the world

Governing digital economy and finance in Indonesia
Oct 26, 2022

Governing digital economy and finance in Indonesia

The growth of Indonesia’s economy has to factor in regulating the digital economy, which has already proven to be a resilient and growing sector dur

আফগানিস্তানে ব্যাঙ্কিং সঙ্কট
Oct 08, 2022

আফগানিস্তানে ব্যাঙ্কিং সঙ্কট

বাইডেন প্রশাসনের বৈদেশিক মুদ্রাভাণ্ডারে ডি এ বি-র প্রবে�

अफ़ग़ानिस्तान: बैंकिंग संकट से जूझता दक्षिण एशिया का ये प्रमुख देश!
Sep 16, 2022

अफ़ग़ानिस्तान: बैंकिंग संकट से जूझता दक्षिण एशिया का ये प्रमुख देश!

विदेशी मुद्रा भंडार तक अफ़ग़ानिस्तान के केंद्रीय बैंक (ड

The banking crisis in Afghanistan
Sep 09, 2022

The banking crisis in Afghanistan

The Biden administration’s decision to bar DAB’s access to forex reserves has caused tremendous hardships to the Afghan people. Creating new susta

17वां CII-एग्ज़िम बैंक कॉन्क्लेव: भारत-अफ़्रीका विकास भागीदारी की संभावना
Aug 30, 2022

17वां CII-एग्ज़िम बैंक कॉन्क्लेव: भारत-अफ़्रीका विकास भागीदारी की संभावना

हाल ही में भारत में संपन्न CII-एग्ज़िम बैंक कॉन्क्लेव से व्�

China’s banking crisis is a litmus test of Xi’s anti-corruption campaign
Jul 18, 2022

China’s banking crisis is a litmus test of Xi’s anti-corruption campaign

The recent banking crisis in Henan throws light on the corruption that is rampant at the lower rungs of the Chinese bureaucracy.

Banking on each other: India, Russia and the new era of global politics
Dec 06, 2021

Banking on each other: India, Russia and the new era of global politics

President Putin’s visit to New Delhi to meet Prime Minister Narendra Modi is hugely symbolic and strategic

Open Financial Technologies: Asia’s first neo-banking platform for SMBs and startups
Nov 02, 2020

Open Financial Technologies: Asia’s first neo-banking platform for SMBs and startups

We look for self-starters, we look for people who do not settle, we look for people who have done something of their own before.

‘Bad bank’ — what’s good or bad about it?
May 22, 2020

‘Bad bank’ — what’s good or bad about it?

Moral hazarding has no place in a tough-as-nails situation as collections and turnaround.

Central Bank Digital Currency in India: Deeper engagement and thorough exploration needed before execution
May 21, 2020

Central Bank Digital Currency in India: Deeper engagement and thorough exploration needed before execution

Maximising the effectiveness of fulfilling the essential functions of fiat money should be the primary objective of CBDC.

Is Pakistan an unviable state? A numerical investigation
Jun 21, 2019

Is Pakistan an unviable state? A numerical investigation

For now, Pakistan is banking upon its time tested modus operandi of tiding over the immediate crisis by giving in to whatever is demanded of it, and t

Mobile banking for universal financial inclusion in India: A translation into reality
Apr 02, 2019

Mobile banking for universal financial inclusion in India: A translation into reality

There is a strong case to be made for leveraging mobile banking systems in order to increase the quotient of financial inclusion in the country.

70 Policies — State Bank of India Act, 1955
Aug 03, 2018

70 Policies — State Bank of India Act, 1955

Through the six decades of SBI’s presence, the initial objective of extending “banking facilities on a large scale, more particularly in the rural

Next step for the bank reforms
Dec 26, 2017

Next step for the bank reforms

Banking is the only prominent sector within the Indian economy where private corporations are dwarfed by public entities. The sector needs to be recti

Banking on BRICS to deliver
Mar 27, 2012

Banking on BRICS to deliver

BRICS is in transition and cannot afford to lose growth momentum. Multilateral institutions such as a BRICS Bank can aid in sustaining directed, equitable and resilient growth.

Asian Infrastructure Investment Bank: A new banking alternative
Nov 11, 2014

Asian Infrastructure Investment Bank: A new banking alternative

Considering India's immense infrastructural needs, the AIIB has opened a fresh window for financing in which there will hopefully be fewer conditions and hassles. All other less developing countries will also be able to access loans easily.

Examining mobile banking as a tool for financial inclusion in India
Oct 30, 2018

Examining mobile banking as a tool for financial inclusion in India

Goals of universal financial inclusion have acquired new wings in India, with the mobile phone now seen as a catalyst in realising such aspirations. This brief analyses India’s performance in leveraging mobile phones for financial inclusion. It throws light not only on the various factors that have propelled the use of mobile banking, but also those that have served as obstacles for such use. The brief also proposes a strategy that has been dev

India needs more banking services
May 05, 2014

India needs more banking services

Banking to be inclusive would require greater financial literacy and gender equality. All banks should include women, especially poorer ones, in their financial services. Perhaps later on, more banking licences would be granted, perhaps even to big industrial groups.

Need to fix banking sector woes to revive economy
Jun 13, 2014

Need to fix banking sector woes to revive economy

Big ticket reforms promised by Mr. Narendra Modi are likely to resume stalled projects and revive business climate. However, if India is to return to its erstwhile double digit growth, the importance of banking sector reforms cannot be overstated.

New ideas in the Union Budget: Banking more on market mechanism
Apr 01, 2011

New ideas in the Union Budget: Banking more on market mechanism

The government has to ensure that rural roads are constructed and not just "state of the art" modern highways. The interests of the rural people have to be protected, and the government has to regulate and monitor the private sector's participation.

Avoiding a Great Depression
Jul 01, 2015

Avoiding a Great Depression

India need to do more to speed up its own financial sector reforms and make it stronger because the percentage of NPAs has reached a dangerous level of 4.45 per cent and could reach 6 per cent soon. Unless the banking system is strong, India cannot be on a higher trajectory of growth.

Financing development: Fintech in Africa
Mar 22, 2019

Financing development: Fintech in Africa

In many African countries—some of the most unbanked areas in the world—digital banking applications are redefining what it is to bank in economies with shallow penetration of the formal banking sector, representing an innovative force that is breaking new ground in the long-standing challenge of financial inclusion. This brief explores the emerging world of fintech in the context of Africa, outlining why financial technology applications are

Finding innovative solutions to India’s NPA woes
Aug 21, 2023

Finding innovative solutions to India’s NPA woes

Accumulated non-performing assets (NPAs) in the Indian banking system, specifically in the public sector banks (PSBs), have adverse effects on credit disbursement. An increasing amount of bad loans have prompted the banks to be extra cautious, which has dried the credit channel. Two components are key in resolving the NPA problem: the immediate task of resolving the current accumulation in the PSBs, and the more important long-term task of ensuri

Investors: The 'take off' and 'landing' mode
Sep 28, 2004

Investors: The 'take off' and 'landing' mode

The Prime Minister's first visit to the UK and US after he assumed office was preceded by a flurry of activity. The Cabinet approved the promulgation of three ordinances pertaining to Banking Regulation (Amendment and Miscellaneous Provisions), Securities Contract (Regulations) Act 1956 as well as

Modi 2.0: Different economic strokes?
May 28, 2019

Modi 2.0: Different economic strokes?

Modi 2.0 must be about deregulating the economy and improving core regulatory skills to monitor and punish deviations without snuffing out the freedom to innovate, grow or diversify, which are at the heart of entrepreneurship.

Must banks be big to succeed?
Nov 11, 2022

Must banks be big to succeed?

The bulk of the new banking consumers are digital natives and don’t think of branches as an interface for financial transactions

Negotiating the G20 Brisbane summit
Oct 29, 2014

Negotiating the G20 Brisbane summit

The Australian presidency of the G20 has witnessed a focus on the fundamentals: trade, tax issues, infrastructure, employment and banking.

ORF researcher bags NIXI fellowship
Oct 19, 2010

ORF researcher bags NIXI fellowship

ORF Senior Fellow Dr. R. Swaminathan will work on mobile banking solutions for financial inclusion and prepare a policy document for the government.

Seasoned faces who could aid the return of America
Dec 02, 2020

Seasoned faces who could aid the return of America

In line with his agenda of restoring America’s place in the world, Biden is banking on Obama-era liberal internationalists

The central bank autonomy debate and India’s knife-edge credit crisis
Apr 25, 2019

The central bank autonomy debate and India’s knife-edge credit crisis

This paper dissects the persistent credit crunch that has provoked recent debates on the autonomy of India’s central bank. It tracks the trajectory of the liquidity squeeze, beginning with the wariness of public sector banks to provide credit to high-risk sectors as bad loans mounted. Yet these banks were continuing to provide loans to the NBFCs (non-banking financial companies), which were in turn extending loans to the high-risk sectors (such

The Only Way to Make Climate Progress
Jan 18, 2024

The Only Way to Make Climate Progress

Green technology and capital is concentrated in rich countries. Here’s how to address the north-south divide.

Utilising blockchain for cross-border payments: Implications for India
Aug 20, 2023

Utilising blockchain for cross-border payments: Implications for India

Cross-border payment is one part of the banking sector that has yet to benefit from recent progress in digitalisation. Most international transactions are still processed using a 600-year-old correspondent banking system devised by the Medici.[1] However, this system of manual entry of transactions is not a scalable solution for the burgeoning digital payments space. While this may seem like an issue for institutions, a huge segment of the popul

Where’s the big idea? FM got optics wrong
Oct 26, 2017

Where’s the big idea? FM got optics wrong

Using disinvestment proceeds to inject public finance into private companies is a great idea.