Working Papers

26
May

Extracting the User’s Perception about Aadhaar from Print Media Articles

With the advent of technology, agencies have started storing identity data of the users in distributed repositories for improved targeting and ease of the implementation of the commercial and governmental policies. Social networking portal, public registers, social security portals, various ID’s and e-commerce portal are among the popular agencies, who are using these disintegrated yet identifiable digital identities for individuals.

23
May

Paradoxes of Intermediation in Aadhaar: Human Making of a Digital Infrastructure

E-governance projects in India are often purported to minimise the role of human intermediaries. They rely on machines to curtail corruption and bring more efficiency to service delivery.

23
May

Fintech For The Poor: Financial Intermediation Without Discrimination

We ask whether machine learning algorithms improve the efficiency of screening of the loan officers, and thereby help expand access to formal credit. We obtain loan application level data from an Indian bank. To overcome the selective labels problem, we exploit the incentive driven within officer difference in leniency within a calendar month.

1
Oct

Aadhaar and data privacy: biometric identification and anxieties of recognition in India

This paper seeks to demonstrate how privacy interests of the welfare beneficiaries emerge from the biometric authentication of their identities. The privacy interests of mandatorily enrolled beneficiaries emerge during a failed or falsified instance of biometric authentication that compromise the integrity of a beneficiary’s recognition for welfare purpose.

1
Sep

Choice based reforms in delivering food security: Analysis of an intervention from the Indian Public Distribution System (PDS)

This paper, using large-scale program data from one Indian state, seeks to analyze the uptake of portability among beneficiaries of the Public Distribution System and identify its underlying drivers.

2
Apr

A Friend Indeed: Does The Use of Digital Identity Make Welfare Programs Truly Counter Cyclical ?

MGNREGA provides guaranteed rural employment for a set number of days to beneficiary families. Does the introduction of Aadhar increase the demand for work, despite economic upturns

1
Apr

Fintech For The Poor: Do Technological Failures Deter Financial Inclusion ?

We examine the impact of transaction failures on the working of a biometric enabled payment system introduced in India to facilitate banking by the poor.

1
Jul

Alternatives to Aadhaar-based Biometrics in the Public Distribution System

What is the impact that non-Aadhar, digital PDS cards have? The authors identify the various errors that arise consistently through the registration and transaction steps