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Technical Reports

Technical Reports

 

Recent Submissions

  • Das, Ashish (2023-04-02)
    Charges for PPI-based P2M UPI transactions – The deception
  • Das, Ashish (2022-10-30)
    As India strides forward to move from paper-based payments to digital payments, a crucial aspect that would further acceptability is affordability of making and receiving digital payments. With the ultimate stakeholders ...
  • Das, Ashish (2022-10-02)
    The credit card payment system is not exclusively a payment system since in it is embedded a camouflaged loan product. An avoidable element in the cost of the credit card payment system is the credit cost that piggybacks ...
  • Das, Ashish (2022-10-02)
    On August 17, 2022, Reserve Bank of India (RBI) brought out a “Discussion Paper on Charges in Payment Systems” with an intention to seek answers to few questions from the public. The objective of RBI’s nationwide exercise ...
  • Das, Ashish (2021-11-21)
    This report is a follow-up of the two related articles by the author on BSBDA that appeared on April 11, 2021 and April 18, 2021. The April 18, 2021 article provides a rebuttal in form of a ‘Statement of Facts’ to SBI’s ...
  • Sharma, Bhavna; Das, Ashish (2021-10-01)
    This report provides a follow-up of the conclusions drawn in an earlier IIT Bombay Technical Report (September 2020) “Merchant transactions through debit cards – costs and prices” http://dspace.library.iitb.ac.in/jspui/h ...
  • Das, Ashish (2021-04-11)
    Basic Savings Bank Deposit Account (BSBDA) was introduced to financially include our marginalized fellow-countrymen. While defining the features of a BSBDA, the regulatory requirements made it amply clear that in addition ...
  • Das, Ashish (2020-12-08)
    The objective of this report is to reiterate some of the ideas on payment-surcharge, put forth the learnings demonstrated from the findings of Vistara/IRCTC, and formulate some salient guidance for policy. We hope that the ...
  • Das, Ashish (2020-09-22)
    To promote small ticket debit card merchant transactions up to Rs 2000, the government during the calendar years 2018 and 2019 made merchant discount rate (MDR) zero for the merchants, and provided banks a monetary support, ...
  • Das, Ashish (2020-08-24)
    With reference to Section 10A of the Payment and Settlement Systems (PSS) Act, 2007, and the prescribed electronic mode of payment, the Unified Payment Interface (in short UPI), we address a simple query. Is it that banks ...
  • Das, Ashish (2020-01-07)
    We look into issues and concerns arising out of the recent payment system initiative on MDR for RuPay debit cards and BHIM-UPI. Some suggestions are given as corrective measures.
  • Das, Ashish (2019-03-03)
    Government of India on February 29, 2016 came out with cabinet approved guidelines for Promotion of Payments through Cards and Digital means. These guidelines provide some directions setting catalysts to migrate the country ...
  • Das, Ashish (2018-05)
    The Basic Savings Bank Deposit Account (BSBDA) is a RBI mandated savings product that provides to the customer facilities of (i) unlimited credit, (ii) four debits every month, (iii) zero minimum balance, and (iv) no service ...
  • Das, Ashish (2017)
    The objective of this note is to highlight the true features of a significant regulation put in place by RBI on levy of penal charges for non-maintenance of minimum balance in savings bank accounts. Banks have been given ...
  • Badal, Prakash S; Das, Ashish (2017-10-24)
    Multidimensional ranking is useful to practitioners in political science, computer science, social science, medical science, and allied fields. The objective is to identify a consensus ranking of n objects that best fi ts ...
  • Das, Ashish (2017-06-26)
    This work is a culmination of in-length correspondence with RBI and select banks, regarding how banks had been handling the RBI mandated savings product, the Basic Savings Bank Deposit Account (BSBDA). With about one-third ...
  • Das, Ashish; Horsley, Daniel; Rakhi, Singh (2017-04-19)
    Sixty years ago, Kiefer (1958) introduced generalized Youden designs (GYDs) for eliminating heterogeneity in two directions. A GYD is a row-column design whose k rows form a balanced block design (BBD) and whose b columns ...
  • Das, Ashish (2017-02-28)
    RBI has brought out a draft regulation on MDR, seeking public comments. While keeping the digital payment focus for the country, this report suggests tweaks in the approach being advocated by RBI.
  • Das, Ashish; Das, Praggya (2016-11-28)
    The unprecedented measure by the Government of India to withdraw the legal tender character of high denomination currency will ship the country several notches ahead towards a less-cash more-digital economy, notwithstanding ...
  • Das, Ashish; Singh, Rakhi (2016-04-29)
    Choice experiments have practical significance from the industry point of view and are useful in marketing, transport, government planning, etc. Several author-groups have contributed to the theoretical development of ...

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