Independent Research and Policy Advocacy

Report: The costs of using Buy Now, Pay Later (BNPL) products

Buy Now, Pay Later (BNPL) products have become one of the popular modes for customers to finance their retail purchases. BNPL products are being postured as challengers to credit cards that can make credit more accessible to customers at little to no cost.

An Emphasis on Product Suitability

Our earlier post covered the second approach to consumer protection that was discussed in the IFMR Financial Systems Design Conference 2012. This post carries details of the third session that discussed a framework for consumer protection based on the principle of ‘Suitability’.

Perspective on IRDA’s proposed ‘everything product’

The Micro-insurance sector has been often in the news in the recent times. This is primarily because of IRDA’s recent recommendation towards an “everything product” approach for which the Life Insurance Council has been asked to prepare a blue-print.

Simple products not always best

A common refrain that one hears in the context of financial services for low-income households is the importance of “keeping it simple”.

Financial inclusion needs friendlier products

Third in the series of articles in The Hindu Business Line, Puneet Gupta and Jayshree Venkatesan of IFMR Mezzanine  Finance write about some of the barriers to accessing finance.