This policy note highlights ‘high impact’ use cases for promoting digital payment adoption in India, and offers templates for stakeholders to test them using a sandbox approach and provides recommendations for creating a more enabling regulatory and policy environment.
Financial Well-being and Social Protection
Implementing Innovation Through an Ecosystem “Learning And Solving By Doing” Approach
Gaurav Singhal, Sharon Buteau
This learning note captures the adaptive process of innovation in real world settings, based on Catalyst’s experience of undertaking rapid, data-driven, test-learn-and-build cycles to validate innovative business models in the digital payments space.
Using Comic Books to Increase Digital Financial Capabilities in Low-income Clusters
Nithya Srinivasan
This learning note highlights insights from Catalyst’s initiative to promote digital financial inclusion in a low-income cluster in Jaipur. The intervention included using illustrated comic books to spread awareness and encourage adoption of digital payment solutions among people.
Digitizing Micro-merchant Ecosystems – Low Income Communities
Catalyst
This report presents insights on the financial behaviours and characteristics of low-income households, based on primary research undertaken in Jaipur. Drawing on Catalyst’s research and operational experience, the report recommends potential business models for serving low-income urban clusters sustainably.
Knowing What’s Good for You: Can a Repayment Flexibility Option in Microfinance Contracts Improve Repayment Rates and Business Outcomes?
Giorgia Barboni, Parul Agarwal
Flexible microfinance contracts can help borrowers mitigate the negative effects of income fluctuations. But the additional liquidity repayment flexibility entails can increase default. Can this risk be mitigated by using contract price as a screening mechanism? The authors implement a … Read More
Digitisation of Self-Help Groups in India
Anisha Singh, Jithin Jose, Kriti Chouhan, Parul Agarwal, Vinith Kurian
Digitisation in the processes followed by Self-Help Groups (SHGs) can have significant streamlining effects. This report highlights the current initiatives undertaken within the technology space and maps the trajectory of digitisation that various promoting agencies have followed. It further identifies … Read More
Making Digital Finance Work for Women: Insights from an Innovative Training Program for MFI Clients
Smitha Cunigal
This brief captures insights from an awareness generation and training program for MFI clients. The publication was developed as part of a multi-year capacity building program undertaken by LEAD and Sa-Dhan (Association of Community Development Finance Institutions), with assistance from … Read More
Trust in mPoS Machines is the Biggest Concern Among Merchants in Jaipur
Catalyst
This field story highlights barriers to the adoption of mobile point-of-sale machines by small merchants, drawing insights from Catalyst’s feet-on-street drive to promote PoS adoption in Jaipur.
Merchant Perspectives on the BHIM Experience
Mandar Kagade, Janak Priyani, Diksha Singh, Raghav Katyal
This note discusses learnings and insights from Catalyst’s pilot UPI awareness and activation campaign, followed by insights from a feedback survey that was conducted in March 2018. It provides an analytical perspective on the features that work in favour of … Read More
Digital Lending for Small Merchants: The Missing Road to the Last Mile
John Arun, Shubhranka Mondal
Lack of affordable credit from formal sources is a key factor hindering the growth of MSMEs in India. This learning note presents insights from Catalyst’s ‘Credit as a Hook’ pilot project. The pilot tested a digital payment and loan product … Read More
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