In this report, the authors evaluate the factors currently shaping the adoption of digital financial services by emerging consumers in India and assess the crucial role that frontline banking agents play in helping to successfully transition their clients to digital … Read More
Publications
Evolving Financial Ecosystem for Micro-Merchants in India
The digital revolution in India is well underway and there is a need to understand the adoption and usage of digital platforms on the ground. This report presents findings from a study of micro-merchants conducted in five cities: Jaipur, Kanpur, … Read More
Technology for Financial Inclusion: Repository of Technology Service Providers
This report captures lessons from a landscaping study on digital financial services in India and includes a repository of technology service providers operating across different sectors.
Microfinance Institutions and Digitization in India
In this handbook, we bring forth perspectives from consumers – those who are at the receiving end of digital financial inclusion. We profile 12 categories of consumers based on gender, region of work (rural/ urban) and age group, and highlight … Read More
Digital Financial Inclusion and Consumer Capabilities in India: A Handbook For Financial Service Providers
In this handbook, we bring forth perspectives from consumers – those who are at the receiving end of digital financial inclusion. We profile 12 categories of consumers based on gender, region of work (rural/ urban) and age group, and highlight … Read More
Optimizing Network Referrals to Identify and Recruit Creditworthy Entrepreneurs
The effort of screening quality loan applications and identifying potential borrowers can be very tedious and time consuming. This brief presents findings from a study that seeks to optimize a referral protocol to identify credit-worthy entrepreneurs.
To Pad or Not To Pad: Towards Better Sanitary Care for Women in Indian Slums
A number of programmes have recently been initiated to popularise the use of sanitary pads among women from low-income and marginalised segments, in developing countries. In this light, this article reviews prevailing menstrual practices in different contexts across India, as … Read More
Alleviating Constraints to Adoption of Improved Soil Fertility Management
This report presents findings from a randomized control trial of a new automated mobile system for delivering personalized fertilizer recommendations. This fertilizer decision support tool, Nutrient Expert (NE) for wheat, provides fertilizer input recommendations for specific fields and growing environments. … Read More
ArthImpact Happy Loans
The report encapsulates results of a study on the impact of a microcredit product called “Happy Loans” on the business and family fronts of its clients, as well as on the extent of (digital) financial empowerment of this group.
‘Mobile’izing Agricultural Advice: Technology Adoption, Diffusion and Sustainability
In this paper, the authors examine the role of management in agricultural productivity, by evaluating a mobile-phone based agricultural advice service provided to farmers in India. Demand for advice is high; and advice changes practices, increasing yields in cumin (28%) … Read More