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Digital Finance

லக்கி ஸ்டார்

டிஜிட்டல் பரிவர்த்தனைகளுக்கு மாறிப்போன நவீன உலகம் நம்மை பல நேரங்களில் நன்மைகளுக்கும்  சில நேரங்களில் சோதனைகளுக்கும்  உள்ளாக்குகிறது. இங்கே நமது லக்கி ஸ்டார் எப்படி பக்குவமாக தன்னை ஆபத்தில் இருந்து பாதுகாத்துக்கொண்டாள் என்று பாருங்கள.

கைல காசு வரல!

எப்போதாவது ATM ல் பணம் எடுக்கும் பொழுது உங்கள் பணம் வராமல் வெறும் பணம் எடுத்தது போல் செய்தி  மட்டும் வந்திருக்கிறதா?  பயப்படாதீர்கள் இது உங்களுக்கான காணொளி

Someone's watching you!

A reminder that digital financial transactions on public computers (like in an internet cafe), or when signed into a public network must be avoided at all times. Important security details can be stolen from you, putting you and your assets at risk. 
 

Too good to be true?

If it's too good to be true, it probably is! Don't fall for messages offering you rewards, prizes or free holidays. These are phishing messages with the intention of stealing from you. Don't be tempted to click on them.
 

Charter of Demands to the RBI

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CAG submitted a charter of 13 demands to the RBI - each demand meant to strengthen consumer security and confidence in digital payments. These demands are based on an extensive survey carried out by CAG, aiming to understand the digital transactions landscape, reported areas of concern, and recommendations to improve on these. 

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Fair Digital Financial Accelerator

The Fair Digital Financial Accelerator was launched by Consumers International with support from Bill and Melinda Gates Foundation and Consultative Group to Assist the Poor (CGAP) to ensure a safe, proactive and sustainable digital finance market place for consumers in the low and middle income countries. The grant programme will support consumer associations to create or strengthen channels of engagement with regulators and digital financial services providers to find and accelerate solutions to risks and challenges experienced by consumers of digital finance within their countries.

Citizen consumer and civic Action Group will engage in furthering the above stated objective of Consumers international and aim to understand the current scenario of digital financial services in the country through surveys and aim to strengthen the existing knowledge ecosystem of consumers by creating and distributing IEC materials including pamphlets and awareness videos. 

In recent years digital financial services (DFS) have seen a rapid rise in usage in low and middle-income countries such as India. DFS has the potential to transform the banking sector in India by ensuring that even people  in the remotest areas can engage in money withdrawals and transactions via their mobile phones. However, the digital financial services landscape is fraught with challenges such as misinformation, frauds, lack of knowledge regarding safe use of digital services, and multiple other concerns. Through this project, the aim is to amplify the interests and challenges of the consumers and seek remedial measures from appropriate authorities in concerned countries. In India the concerned authority will be the Reserve Bank of India.

A study on use of digital financial services

This report provides a comprehensive analysis of the usage pattern of digital financial services in Tamil Nadu, particularly among the rural poor. Focusing on four main consumer groups mainly, farmers, self help group women, college youth and cottage industries, the report provides an in depth analysis of usage patterns and some of the struggles that digital finance users face.

 

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Digital Lending

While digital financial services might allow you to access loans at the click of a button, be aware of what your risks are. This video also explains the RBI guidelines on digital lending designed to keep you safe.