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Financial Services

Thoughtware

Our research identifies, analyzes and explains the major issues driving today's business dynamics and shaping tomorrow's marketplace.

     
 

Realignment & Reforms:Increasing the Outreach of Indian Financial Services:The Indian Economy has entered a resurgent phase with the GDP growth having touched its highest point in the past two-and-a-half years. A spurt in growth, aided by a number of economic reforms and forward looking policies, waning inflation levels, steady foreign investments and an increasingly stable currency exchange, the economy is at its prime as compared to the last few years. In this report, Realignment & Reforms: Increasing the Outreach of Indian Financial Services, we look at some key challenges to assess their potential impact, the plausible constructive steps and policy reforms. We will also delve into the need and nature of resources required for enhancing the outreach of the Financial Services sector, banking sector reforms, wholesale financing to boost MSMEs, increasing insurance outreach, distribution model of financial products, differential banking and banking amalgamation, alternate payment channels etc.

     
  mPay Insights 2014 - Translating to Transactions: This report focuses on the potential of the mobile payments solutions in the Indian market. A closer look at how to translate the investments and efforts of each member of the payment ecosystem into transaction volumes warrants a discussion on three broad areas on: Retail mobile payments - Current scenario, challenges and future roadmap, Mobile led financial inclusion: Need for a collaborative model; and Ecosystem support to make mobile payments a success: From policy interventions to technology inventions.
     
  Fuelling growth-Prospects, challenges and the road ahead: The country's banking industry looks set for greater transformation. In the next 5-10 years, the sector is expected to create up to two million new jobs driven by the efforts of the RBI and the Government of India to expand financial services into rural areas. Two new banks have already received licenses from the government, and the RBI's new norms will offer incentives to banks to spot bad loans and take necessary recourse to curb the practices of rogue borrowers
     
  RBI guidelines for setting up of Wholly Owned Subsidiaries by foreign banks in India | Opportunities and Challenges: Taking into account the feedback received on the Discussion Paper issued in January, 2011, RBI has released the Scheme for setting up of WOS by foreign banks in India. This paper provides an overview of the foreign banks in India and key features of the Scheme issued by RBI. It also highlights the implications for existing and new foreign banks.
     
  Financial Inclusion for Reviving Growth: Success Stories, Challenges & the Road Ahead: The Indian government, regulatory bodies, banks and non-banks are joining hands and striving towards one common goal - financial inclusion for the masses. Significant steps and initiatives are currently underway to enable availability of banking, insurance and other payment related services for the people.  In this report, , we look at some of such key initiatives more closely to assess their potential impact, key roadblocks and possible resolutions.
     
  Can you carry your money in your mobile? M-Banking & M-Payments: The Next Frontier Can mobile banking and payments scale the maturity curve to become the first inclusive banking and payment delivery channel for India? Not sure? Read more about this in the recently released point of view.
     
  Funding the Infrastructure Investment Gap: The fast growth of the economy in recent years has placed increasing stress on physical infrastructure such as electricity, railways, roads, ports, airports, irrigation, water supply and sanitation, all of which already suffer from substantial deficit in terms of capacities as well as efficiencies.

 

Regulatory Impact Assessment

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Flash regulatory updates

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