Blog

Digital governance: Is Krishna a glimpse of the future?

Krishna, and AP more generally, are considered as among the leading areas to adopt digital technologies, including for ID and payments, and to reform public service delivery over the past decade. Most government services and subsidies are now linked to Aadhaar, India’s national biometric ID system. AP has also taken steps to minimize exclusion due to technology and has implemented real-time monitoring to improve service delivery.

Our three surveys—of households, ration shop owners, and bank correspondents—find widespread support for digital governance reforms, including the use of Aadhaar authentication to receive food rations through the public distribution system (PDS) and social pensions through the panchayat, as well as for digital land records. Technology provides an opportunity to make government more efficient and effective, improving the interface between people and the state.

However, we also find some areas for improvement. There is scope to improve authentication experience, especially for the elderly, and to strengthen the network of business correspondents to expand the reach and convenience of banking services, as well as to improve the process of on-boarding claimants for pensions and rations.

The State of Bank-led Initiatives for E/M-Banking and its Potential

In 2012 Ignacio Mas worked with MSC to look at the state of digital financial services in India, the type of products that poor people want, and the role of microfinance institutions/SHGs in digital financial services systems. Ignacio also ran a training for all MSC staff, and we then asked him to record some of his thoughts on digital financial services systems and not just in India but also worldwide. In this video he answers the following questions:

Since the vast majority of scaled digital financial systems are mobile network operator-led, should we give up on bank-led models?
What are the benefits of digital financial systems for banks?
What are the lessons from Latin America?

Indian experiences of application of agricultural value chain finance

The paper examines the current state of value chain development in India, the policies that are in place and the institutional framework that supports the value chains in agriculture. The facilitating processes adopted in India for strengthening agricultural value chains have been analyzed and their efficacy has been critiqued.

Access to credit in West Bengal post microfinance crisis

The findings and recommendations from this research will help the microfinance stakeholders in India to make decisions that enable the poor to have better access to financial services.

Deposit Assessment in India

MicroSave’s study on Deposit Assessment in India details the needs and preferences of micro-savings clients to support the development of client-responsive products and delivery processes.

Business correspondent models in Bihar – Constraints and way forward

The study was conducted to improve the current body of knowledge around the status of the BC model in Bihar, to provide recommendations to improve the effectiveness of the model and to offer inputs to policymakers.