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Research Report: Beyond Speed and Cost: Strengthening India’s Cross-Border Payments Ecosystem

Cross-border payments are becoming increasingly important to global trade, investment, remittances and digital commerce. Yet, despite advances in payment technologies, differences in currencies, regulatory requirements and financial infrastructure continue to create costs, delays and uncertainty across jurisdictions. Beyond Speed and Cost: Strengthening India’s Cross-Border Payments Ecosystem, a report by The Dialogue and the U.S.-India Business […]

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Written Comments: Reserve Bank of India’s Discussion Paper on Exploring Safeguards in Digital Payments to Curb Frauds

Overview As India cements its position as a global leader in digital payments, the challenge is no longer simply enabling faster transactions, but ensuring they remain secure, resilient, and trusted. The Reserve Bank of India’s recent discussion paper on safeguarding digital payments marks an important step towards addressing the growing threat of frauds in an

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White Paper : Setting Interoperability in Motion – Reimagining Transit Payments

India’s public transport ecosystem is becoming increasingly digital, yet the experience of paying for everyday travel remains fragmented. Despite the ambitious vision of the National Common Mobility Card (NCMC) to enable seamless, interoperable transit payments across the country, the gap between policy ambition and on-ground implementation continues to persist. This white paper examines the evolution

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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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Policy Brief: From Payments to Prosperity – Expanding Credit on UPI to All Authorised Card Networks

UPI has cemented its position as the cornerstone of India’s digital economy, achieving an unprecedented scale of 20 billion transactions in a single month by mid-2025. As the platform evolves from a facilitator of payments to a comprehensive financial hub, the integration of credit—primarily through RuPay credit cards and the Credit Line on UPI (CLOU)—marks

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Policy Brief: From Payments to Prosperity: Expanding Credit Line over UPI to NBFCs

UPI has established itself as India’s most widely adopted digital payments infrastructure. As it progressively integrates credit functionality, the platform is positioned to play a larger role in supporting financial access, especially for individuals and enterprises with evolving credit needs. However, the current framework—where only banks can offer credit lines on UPI—limits a broader section

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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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Ranjeet Rane

Ranjeet Rane is a public policy professional with over 15 years of experience at the intersection of technology, regulation, and financial innovation. As Partner at The Dialogue, he will lead the Fintech and Sustainable Finance verticals, drawing on his deep expertise in banking regulation, emerging technologies, and data governance to shape forward-looking public policy. Prior

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Research Report: Taxation of Digitalized Economy

The Dialogue presents a comprehensive analysis on the pressing challenges of taxing the digital economy, a critical issue faced by governments globally. As digital transformation accelerates, frameworks like Article 12B of the UN Model Taxation Convention aim to ensure fair taxation of automated digital services, including online advertising, cloud computing, and social media platforms. Our

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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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