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Digital Economy

Policy Report- Towards Safer and Smarter Digital Payment Systems

India’s digital payments ecosystem has transformed the way millions transact, accelerating financial inclusion and reshaping the country’s digital economy. However, the rapid scale of digital payments has also expanded the cyber fraud landscape, with scams becoming increasingly organised, psychologically sophisticated, and technologically enabled. This policy report examines the evolving nature of cyber fraud in India, […]

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Analysis: Decoding FREE-AI : Insights into RBI Framework for Trustworthy AI in Banking and Beyond

This report presents a rigorous analysis of the Reserve Bank of India’s Framework for Responsible and Ethical Enablement of Artificial Intelligence (FREE-AI), constituted in December 2024 and released in August 2025. Conceived to balance innovation with prudent risk management, the framework advances seven guiding sutras and twenty-six recommendations across six pillars—Infrastructure, Policy, Capacity, Governance, Protection,

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Event Report: Webinar on Navigating AI in Financial Services – Balancing Innovation, Inclusion, Resilience, and Unlocking Economic Opportunity

Artificial Intelligence (AI) is transforming financial services, driving efficiency, inclusion, and resilience. However, without robust regulatory frameworks, challenges such as data privacy risks and biased decision-making persist. How can we strike the right balance between innovation and regulation? The Dialogue hosted a webinar on November 21, 2024, featuring policymakers, industry leaders, and AI experts to

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White Paper : Ushering into the New Era of Financial Inclusion: Enabling Women and Women-Led Organisations

The white paper ‘Ushering into the New Era of Financial Inclusion: Enabling Women and Women-Led Organisations‘, authored by Ms. Monica Jasuja (Chief Expansion and Innovation Officer, Emerging Payments Association Asia), Soham Jagtap and Ayush Tripathi of Digital Economy vertical of The Dialogue, explores the transformative potential of gender-responsive financial policies in empowering women and women-led

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Event Report: Empowering MSMEs: Unlocking Economic Opportunities

The Dialogue hosted a thought-provoking webinar titled “Empowering MSMEs: Unlocking Economic Opportunities,” bringing attention to the vital role MSMEs play in India’s economy. Despite their contribution to the nation’s GDP and employment, MSMEs continue to face significant barriers in accessing formal credit. The keynote address was delivered by Dr. Fauzia Khan, Hon’ble Member of Parliament,

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White Paper- Customer Protection in the Digital Lending Ecosystem in India

India’s financial landscape is rapidly evolving, with digital lending companies at the forefront of this transformation. These fintech pioneers are making credit more accessible, offering consumers the convenience of digital platforms. However, this growth comes with its own set of challenges—unauthorized lending apps, cybersecurity threats, and diminishing consumer trust are pressing concerns that need urgent

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Event Report: Conference on Unlocking the Potential of New Age Fintech: Towards an Inclusive, Innovative and Progressive Ecosystem

On August 1st, 2024, The Dialogue hosted a conference titled “Unlocking the Potential of New Age Fintech: Towards an Inclusive, Innovative and Progressive Ecosystem.” This event brought together leading experts from the fintech and financial services sectors to discuss the challenges and opportunities ahead. We extend our heartfelt thanks to all the distinguished speakers: The

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Working Paper: Taking UPI Global: Building an Ecosystem Approach to Export India’s Flagship Payment System

At last year’s G20 summit, hosted by India, the focus was on India’s impressive domestic digital public infrastructure. India showcased its technological advancements through India Stack, featuring Aadhar (digital identity), the Data Empowerment and Protection Architecture (DEPA), the Account Aggregator Framework (data exchange), and the flagship Unified Payments Interface (UPI) for digital transactions. UPI’s widespread

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Primer: Driving Cloud Adoption – Transforming Banking and Finance Sector

New and innovative technological solutions are not just altering but revolutionizing the delivery of banking and financial services to consumers. The banking, financial services, and insurance (BFSI) sectors are undergoing rapid growth and technological advancements, demanding an evolution in industry standards and practices. Small and cooperative banks are facing significant challenges in adapting to rapid

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Soham Jagtap

Soham Jagtap is a Senior Research Associate at The Dialogue, specializing in the Fintech, E-commerce, and Digital Tax sectors. Passionate about the intersection of law and technology, Soham brings a robust academic background and extensive research experience to his role. Soham holds a Master of Laws (LLM) from the West Bengal National University of Juridical

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