Reimagining Financial Services
For the Collective Good

In this article published in PolicyCircle on 27th October 2026, the authors examine the growing use of artificial intelligence (AI) in financial services and the need for stronger regulatory measures to protect consumers. AI is increasingly used by financial institutions for credit assessment, fraud detection, risk evaluation and personalised financial recommendations. While these applications improve […]

The RBI’s August 2026 draft seeks greater transparency in retail loan pricing by requiring lenders to disclose their benchmarks, methodologies and spreads, effective April 2027. In this article published in BasisPointInsights on 27th October 2026, the author argues that India’s retail loan pricing needs more than just transparency as customer-facing objectives. Certain issues around non-price […]

Unlike private technologies, DPIs are deployed to help a country meet its economic and societal objectives. Hence, a citizen’s issues with their DPI could become a violation of the social contract between them and the state. With rapid deployments of DPIs across 100+ countries, the grievance redress function cannot be ignored or delayed any further. […]