Madhu Srinivas

Vetti Officer

[www.sidin.co @sidin]

P James Magic Show

[Madhu Srinivas @vmadhusrinivas]

@sandeepssrin Hi Sandeep, just to clarify on your comment - we do not claim bnpl to be the cause for low credit inclusion. We are in fact saying something entirely different - bnpl is not solving credit exclusion, contrary to the claims being made.

[Madhu Srinivas @vmadhusrinivas]

Here's our reporting exploring costs and concerns for customers using #BNPL products.

Do read, comment and share>>

[Dvara Research: Public Policy & Advocacy @dvararesearch]

Latest Report: The costs of using Buy Now, Pay Later #BNPL products: Understanding the different kinds of costs Indian customers can incur in using BNPL products
https://t.co/zQ0wPLWTX1 #UPI #credit #loans #research @vmadhusrinivas @SrikaraPrasad @Deeptigeorge

[Dvara Research: Public Policy & Advocacy @dvararesearch]

Latest Report: BNPL products can be hard on pocket with pre-default costs up to 36% of what one borrows. It is unclear how these charges are shared between Loan Service Provider & financier. The largest Post-default cost was late fees implied intrst rate for which is 0-50% /month

[Moneylife @MoneylifeIndia]

Buy Now Pay Later Products Lack Consumer Protection Safeguards; Can Impose High Monetary Costs: Report
https://t.co/Yhv9X4hEqM

via Moneylife App. Download Now : https://t.co/oCY4nDLtoz @suchetadalal @Moneylifers @yogtoday

[Madhu Srinivas @vmadhusrinivas]

@meankari It's still a long way from 'train the human' no? Or so I hope

[Moneycontrol @moneycontrolcom]

#MCOpinion | Clear statutory backing, clarity of objectives and independent & professional management are key to the success of a #badbank. These components seem absent in the current structure: @DeeptiGeorge & @VMadhuSrinivas

@dvararesearch
https://t.co/nW0hXvd7M4

[www.sidin.co @sidin]

Tamil. Literally any sound you can make with your mouth is Madras slang for something.

Apskalakkadi gumma doluma mangathha kuska buska lambrusca.

[Madhu Srinivas @vmadhusrinivas]

The full paper is available here: https://t.co/jMfBJJqrN9

[Madhu Srinivas @vmadhusrinivas]

Dvara Working Paper on Transparency of Public Disclosures in Banking: We assess the transparency of Indian banking system’s public risk disclosure regime using a regulation based approach and outline reccos to improve transparency. @sowminiprasad @amulya1711 (1/20)

[Dvara Research: Public Policy & Advocacy @dvararesearch]

New working paper: In this paper, we assess the public disclosure regime of the Indian banking sector & provide our recommendations that @RBI can consider implementing to enhance the transparency of disclosures. Read more: https://t.co/slL9Ps5D9M

[Madhu Srinivas @vmadhusrinivas]

Reco#5 Mandate quarterly disclosures for NBFCs, UCBs & RRBs. Given the min duration for risk-materialisation, compliance costs, & cognitive limitations, disclosures on at least capital, NPA, & credit risk need to be made quarterly. (20/20)