Several targeted welfare programs across the world have made owner-occupied housing exempt from the means test, such as the Supplementary Social Income (SSI) in the US and the age pension scheme in Australia. Relatively little is known about the impact of such exemption on household portfolio...

Pension indexation should anchor the parameters of the pension system to one or more economic and demographic variables to ensure that the system is implemented in a sustainable way, while minimizing distortions affecting important economic choices. Arguing that financial sustainability,...

Over the last decade, there have been vast improvements in surveillance technology and the availability, storage, and mining of personal information online, supported by developments in big data analytics. This has created a public policy conundrum over balancing the benefits of big data with...

In March 2020, the Reserve Bank of India's guidelines on Payment Aggregators and Payment Gateways prohibited merchants from storing data on cards used by customers. This paper argues that a total prohibition on card data storage is problematic as it affects the ease of transactions for...

This paper studies how courts in India have dealt with consumer finance disputes. It presents the organisation of the courts that hear consumer finance cases. It reviews the 60 most cited cases to study the position that courts have taken in banking and insurance disputes. For the cases studied,...

This paper evaluates the quality of privacy policies of five popular online services in India -- Google, Whatsapp, Uber, Flipkart and Paytm -- from the perspective of access and readability. We ask -- do the policies have specific, unambiguous and clear provisions that lend themselves to easy...

The Insolvency and Bankruptcy Board of India has a statutory responsibility to gather and disseminate information about India's new insolvency and bankruptcy system. That system is still in its infancy, and the Board has a unique opportunity to design a comprehensive approach to generating,...