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Draft Circular on Digital Lending – Transparency in Aggregation of Loan Products from Multiple Lenders: by Garima Agrawal — published Jul 03, 2024 — filed under: Digital Lending, Internet Governance
CIS is grateful for the opportunity to submit comments on the “Draft Circular on Digital Lending: Transparency in Aggregation of Loan Products from Multiple Lenders” to the Reserve Bank of India. We welcome the opportunity provided to comment on the guidelines, and we hope that the final guidelines will consider the interests of all the stakeholders to ensure that it protects the privacy and digital rights of all consumers, including marginalised and vulnerable users, while encouraging innovation and improved service delivery in the fintech ecosystem. Our comments look at two concerns addressed by the draft guidelines, i.e. reducing information asymmetry and market fairness. In addition to this we share comments around a third concern that requires additional scrutiny, i.e. data privacy and security.
Located in Internet Governance / Blog
User Experiences of Digital Financial Risks and Harms: by Amrita Sengupta, Chiara Furtado, Garima Agrawal, Nishkala Sekhar, Puthiya Purayil Sneha, and Yesha Tshering Paul — published Dec 15, 2023 — last modified Dec 22, 2023 04:05 PM — filed under: Financial Technology, Financial Platforms, Digital Financial Harms, Researchers at Work, Featured, RAW Blog, Accessibility, Digital Lending, RAW Research, Research, Homepage
The reach and use of digital financial services has risen in recent years without a commensurate increase in digital literacy and access. Through this project, supported by a grant from Google(.)org, we will examine the landscape of potential risks and harms posed by digital financial services, and the disproportionate risk that information asymmetry and barriers to access pose for users, especially certain marginalised communities.
Located in RAW

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About Us

The Centre for Internet and Society (CIS) is a non-profit organisation that undertakes interdisciplinary research on internet and digital technologies from policy and academic perspectives. The areas of focus include digital accessibility for persons with disabilities, access to knowledge, intellectual property rights, openness (including open data, free and open source software, open standards, open access, open educational resources, and open video), internet governance, telecommunication reform, digital privacy, and cyber-security. The research at CIS seeks to understand the reconfiguration of social processes and structures through the internet and digital media technologies, and vice versa.

Through its diverse initiatives, CIS explores, intervenes in, and advances contemporary discourse and regulatory practices around internet, technology, and society in India, and elsewhere.