digital payments
Op-ed October 3, 2024
Opinion | Digital Public Infrastructure: A dubious way to foster competition
Applying a DPI philosophy to every digital sector to combat monopolistic tendencies could place an undue burden on state resources.
Op-ed September 2, 2024
Opinion | More than two in three Indians use UPI: Survey
The results revealed that nearly two-thirds of the respondents used UPI, and the most popular use of UPI was making payments at local shops and merchants.
Op-ed June 14, 2024
Opinion | RBI’s digital rupee must leap over many hurdles for wider adoption
“From an end-user perspective, the e-rupee offers no obvious added value.”
Paper November 3, 2023
CBDCs as a tool for financial inclusion
At its simplest, a CBDC is cash but in digital form. Similar to physical cash, it is issued by the central bank and guaranteed as a claim on the central bank reserves, can be accepted broadly, and results in instant transfer of value.