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विकास की ऊंची दर के बावजूद भारत का आर्थिक द्वैतवाद- यानी प

आफ्रिकेचे डिजिटल परिवर्तन सुरू असल्याच्या पार्श्वभूमी�

As Africa continues its digital transformation, public-private cooperation will be pivotal in realising its vision of becoming a digital powerhouse

मायक्रोफायनान्स ऑपरेशन्स सुलभ करण्यासाठी आणि ग्राहकां�

The RBI has periodically enforced certain regulations to simplify microfinance operations and guarantee customer protection.

UPI भारताच्या तांत्रिक मुत्सद्देगिरीचा आधारस्तंभ आणि जाग

UPI could become a cornerstone of India’s technological diplomacy and a powerful tool for expanding its imprint on the world stage

AI-आधारित क्रेडिट स्कोअरिंगचा वापर अधिक जबाबदारीने करण्य

The responsible use of AI-based credit scoring requires ongoing efforts from both industry and regulatory bodies. Despite its promise, its implementat

डेटा विभाजनाचा २०३० अजेंडाच्या प्रगतीवर तीव्र परिणाम ह�

The data divide can drastically impact the progress of the 2030 Agenda, thus bridging this divide is imperative to ensure that no one is left behind

भारताच्या सेवा क्षेत्राच्या विकासासाठी तंत्रज्ञानाचा �

The Indian service sector necessitates the implementation of specific policies to guarantee the adoption of technology and upskilling to secure growth

भारत अधिक आर्थिक समावेशकतेकडे आणि महिला सक्षमीकरणाकडे �

India is seeing a shift towards greater financial inclusion and women's empowerment. Policies supporting this trend can create a more equitable financ

India’s digital public infrastructure (DPI) model is a key offering to the world and is being considered, adopted or adapted by nations at varying s

The economies of sub-Saharan Africa differ, and trying to replicate fintech solutions from one part of the continent to the other can have the same ef

It is important to perceive programmability for what it truly represents—an experiment exploring the potential applications of digital money for spe

G20 India aims to provide a global approach to realising common aspirations like a just green transition, renewed forms of multilateralism, digital

India needs to address the impediments to financial inclusion to ensure the upliftment of the downtrodden

Under India’s G20 presidency in 2023, it has the opportunity to advance digital financial inclusion in the agenda to allow an inclusive COVID-19 rec

Providing a human interface at crucial touch points such consent, disclosure, and grievance redressal will allow for trust in fintech to rise, driving

In the coming years, many will be watching to see whether mobile network operators will manage to retain the 2.8 million new mobile money subscribers

As we move more towards a cash-flow based system of lending, companies are building their own risk assessment models for borrowers using both payment

Financial Inclusion can help formalise the economy, increase transparency and efficiency, and provide financial stability for India and Africa.

There are so many alternatives of financial inclusion.

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.

Out of the 660,000 habitations in India with a population of 100 or more, only 33,000 have a commercial bank branch. That's approximately one branch for every 20 habitations.

India's self-image needed a re-boot. This rebooting of India's 1.3 billion aspirations was conducted by the Prime Minister on the 15th of August last year. He did it with characteristic simplicity, by a simple call for "Make in India". Financial inclusion is the building block for unleashing the creative capabilities of this country.

Financial inclusion is critical to achieving the economic empowerment of women—one of the targets under the fifth Sustainable Development Goal on gender equality. In India, one in every five women lack access to a bank account. Although the country’s programmes promoting financial inclusion have increased the percentage of women having access to a bank account, wide gaps remain in account use, and access to savings and credit. Women c

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 is on the path to becoming a cashless society. The Prime Minister's Jan-Dhan Yojana is one more step towards a more developed India. And possibly a big step, if successful.

THE recent land rights issue of the Niyamgiri hills in Orissa seems to have been resolved with Rahul Gandhi's intervention. We are relieved that the ancient Dongria Kondh tribal population would be able to save their hills from exploitation by commercial interests.

Access to, and development of indigenous digital platforms and cutting-edge technologies is imperative for robust socio-economic development and national security. In turn, such process needs to be democratised, and undertaken in a sustainable manner. India is a first mover in this novel idea of democratising technology and developing Digital Public Goods. Operationalised in the digital infrastructure called India Stack, India’s strategy aims t

The DeFi landscape is complex, encompassing digital assets, blockchain technology, and tokenization. Despite skepticism, it holds potential for financial inclusion, improved taxation, and democratizing investment in private markets.

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

Women make up a majority of the four billion people excluded from the digital economy. Policy narratives assert that the digital economy has the potential to transform the world of work. Conversely, there are concerns that the existing ‘digital divide’ within and across nations will simply exacerbate existing social inequalities and reinforce gender hierarchies. G20 member states have repeatedly committed to bridging pervasive gender gaps in

India’s agrarian crisis has deepened in the past several years, contributing to the slowdown of the economy. Amongst the most crucial factors affecting the country’s agricultural sector is financial inclusion. Over the years, India has attempted various measures to narrow the gap in financial inclusion for its farmers, yet the goal continues to elude the country. This paper presents a discussion of these measures, outlining the current state

India’s micro, small, and medium enterprises (MSME) sector is a key driver of the country’s economic and social development by fostering entrepreneurship and generating substantial employment opportunities at comparatively lower capital costs. However, inadequate access to finance is one of the most crucial barriers to the sector’s growth. Recent developments in digital public infrastructure in India could present new solutions to boost MSM

This paper projects the nationwide and state-wise size of India’s Unified Payments Interface (UPI) market under various GDP growth scenarios. The market sizes under these scenarios are expressed in monetary values at the scale of both sub-national units and the Indian economy as a whole. With the help of transactions and market share data from Phonepe, a UPI company, the paper estimates the national and state-wise base case scenario market volu

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

India’s Digital Public Infrastructure (DPI), known as India Stack, has not only had a profound impact on the country’s economy but also has potential significance for global economic integration. This brief elucidates how this framework has facilitated financial inclusion, spurred innovation, and propelled economic growth in India. It highlights the foundational role of the India Stack in transforming the country’s financial landscape, and

Gender disparities in economic participation and opportunities remain significantly large across the world. To bridge these gaps, G20 countries are working to advance women’s entrepreneurship through financial assistance, knowledge creation, and governance for supporting enterprise. India, in particular, has introduced a number of government schemes to promote entrepreneurship among women, such as the Pradhan Mantri Jan Dhan Yojana and the Prad