Publication Archive - Page 3 of 13

White Paper- Customer Protection in the Digital Lending Ecosystem in India

India’s financial landscape is rapidly evolving, with digital lending companies at the forefront of this transformation. These fintech pioneers are making credit more accessible, offering consumers the convenience of digital platforms. However, this growth comes with its own set of challenges—unauthorized lending apps, cybersecurity threats, and diminishing consumer trust are pressing concerns that need urgent […]

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Event Report: Conference on Unlocking the Potential of New Age Fintech: Towards an Inclusive, Innovative and Progressive Ecosystem

Dialogue Editor

On August 1st, 2024, The Dialogue hosted a conference titled “Unlocking the Potential of New Age Fintech: Towards an Inclusive, Innovative and Progressive Ecosystem.” This event brought together leading experts from the fintech and financial services sectors to discuss the challenges and opportunities ahead. We extend our heartfelt thanks to all the distinguished speakers: The

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Working Paper: Taking UPI Global: Building an Ecosystem Approach to Export India’s Flagship Payment System

Dialogue Editor

At last year’s G20 summit, hosted by India, the focus was on India’s impressive domestic digital public infrastructure. India showcased its technological advancements through India Stack, featuring Aadhar (digital identity), the Data Empowerment and Protection Architecture (DEPA), the Account Aggregator Framework (data exchange), and the flagship Unified Payments Interface (UPI) for digital transactions. UPI’s widespread

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Event Report: Policy Approaches to Foster a Vibrant and Competitive Ecosystem

Dialogue Editor

The Indian fintech ecosystem has experienced rapid growth, underscoring the need for thoughtful policy approaches to sustain a vibrant and competitive market. On July 16, 2024, The Dialogue hosted a virtual discussion to explore these essential policy strategies. The panel examined how graded classifications, obligations, and other tactics can foster a competitive fintech sector. Key

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Policy Brief: “Verifiably Safe” Processing of Children’s Personal Data under the DPDPA 2023 : A Catalogue of Measures

Dialogue Editor

In November, 2023, The Dialogue, in collaboration with the Future of Privacy Forum (FPF), presents an in-depth analysis on the Digital Personal Data Protection Act, 2023 (DPDPA), focusing on the protection of children’s personal data. The report dives into the concept of “verifiably safe” processing—a unique framework under the DPDPA designed to safeguard children’s privacy

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Research Report: Stakeholder Engagement for Responsible AI

Dialogue Editor

The Open Loop India program, a collaborative effort between The Dialogue, Meta and ArtEZ University of the Arts, set out to develop a stakeholder engagement framework aimed at operationalizing human-centered AI. Engaging with 12 Indian AI startups, the program tested a prototype and gathered crucial feedback to explore how stakeholder engagement throughout the AI lifecycle

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Importance of Multistakeholder Conversations on AI – A Quantitative Survey

Dialogue Editor

Artificial Intelligence (AI) has significantly benefited society and the economy, especially in education, by enabling interactive learning and multilingual content translation. Over the past decade, discussions among stakeholders have focused on enhancing AI capabilities, infrastructure, market access, upskilling, and responsible technology evolution. As AI’s role grows, robust and inclusive conversations are crucial. Multistakeholder engagement, involving

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Primer: Driving Cloud Adoption – Transforming Banking and Finance Sector

Dialogue Editor

New and innovative technological solutions are not just altering but revolutionizing the delivery of banking and financial services to consumers. The banking, financial services, and insurance (BFSI) sectors are undergoing rapid growth and technological advancements, demanding an evolution in industry standards and practices. Small and cooperative banks are facing significant challenges in adapting to rapid

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Event Report: Exploring the Interface of Competition and Artificial Intelligence

Dialogue Editor

Artificial Intelligence (AI) promises to rapidly transform various industries, significantly altering their landscape. Its integration into business operations can revolutionise processes, enhance efficiency, and provide innovative solutions that drive competitive advantages. However, this technological advancement also poses unique challenges and raises complex questions about market competition and consumer welfare. As businesses increasingly leverage AI technologies

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Written Comments: Report of the Committee on Digital Competition Law and the Digital Competition Bill, 2024

Dialogue Editor

The Dialogue is pleased to share its submission to the Ministry of Corporate Affairs on the Report of the Committee on Digital Competition Law (CDCL) and the Digital Competition Bill, 2024 (DCB). The CDCL Committee released its report (‘the Report’) recommending an ex-ante framework for the regulation of digital markets along with the DCB. Our

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