Financial inclusion

Indicus has been at the forefront of financial inclusion reforms in India. The series of comprehensive research and policy papers, covering digital technology, geography and economic challenges shaped policy and accelerated access to financial services for the poor. Indicus Centre for Financial Inclusion for launched in January 2011 to enhance and consolidate the efforts of inclusion. Through expert discussions and debates, diverse stakeholders were brought under a common platform. These activities informed financial inclusion and digital payment policies in India.

Centre for Financial Inclusion

For more than a decade until 2019, Indicus Centre for Financial Inclusion played a key role in monitoring and catalysing reforms in the financial inclusion and digital payments domains. Over the period of 2006-2011, Dr Laveesh Bhandariand Dr Sumita Kale worked on a series of white papers on enabling financial inclusion through digital technology to overcome India’s vast geographic and economic challenges and accelerate the access of financial services for the poor. This work incorporated how policy needed to evolve with the fast-paced changes in digital technologies to improve access to financial services. The Indicus Centre for Financial Inclusion was launched in January 2011 with a view to enhance and systematize our efforts in the direction. The Centre's aim was to spur discussion and debate on different models for achieving universal financial inclusion in India, by bringing stakeholders together to chart a common roadmap. These successful set of activities contributed to the sustained and rapid maturing of financial inclusion and digital payments policies in India.


Emerging Employment Patterns of 21st Century India
This study has a single objective: to understand how employment patterns are changing in India since the beginning of the millennium.

The Business of Doing (Informal) Business in India
The aim here is to provide an improved context to understand the business of doing informal business, not pure economic analyses. The report begins with a bird's eye view about employment scenario in India, followed by seven case studies, which leads to a few common features among them and finally concludes with a direction for the way forward.

Transferring Spending Power to the Poorest
The aim of this study is to better understand how such a substantial and unconditional transfer of spending power plays out and whether it translates into long term economic, social and psychological benefits to the women and their families.

Transferring Spending Power to the Poorest: The Immediate Impact
This study on the immediate impact of the cash transfer adds to the ongoing debate on the benefits and costs of cash benefits. It follows the earlier study on the socio-economic conditions of a small rural community on the outskirts of Udaipur where this project is based.

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