Some Research Papers on Banking and Payment Systems

    1. Ashish Das and Praggya Das (August 1, 2002)
      [Rate of interest on term deposits- A micro level study]

    2. Ashish Das and Praggya Das (August 15, 2006)
      [On benchmarking cheque collections in India]

    3. Ashish Das (April 11, 2007)
      [Savings bank accounts- 'interest'ing issues]

    4. Ashish Das (November 10, 2008)
      [Acceptability Standards in Credit Card Industry]

    5. Ashish Das (August 10, 2009)
      [Checks on cheques]

    6. Ashish Das (August 23, 2009)
      [Customers providing benefit to banks through usage of ATM and EDC machines]

    7. Ashish Das (August 31, 2009)
      [Some issues related to policies on cheque collections]

    8. Amrita Ganguly and Ashish Das (August 31, 2009)
      [On service charges of the banks in India]

    9. A D Naga Venkata Ramarao, Ashish Das and Chand Midha (August 31, 2009)
      [Comparison of banks with respect to cheque collection policy]

    10. Ashish Das (September 1, 2009)
      [Why cross usage of ATMs should be free and unlimited?]

    11. Ashish Das and A D Naga Venkata Ramarao (September 10, 2009)
      [Rationalisation of charges levied by banks on returned cheques]

    12. Ashish Das, Rajeev Kumar and Prasanna Kumar (March 18, 2010)
      [A note on demand draft charges levied by banks in India]

    13. Ashish Das and Rakhi Agarwal (August 31, 2010)
      [Cashless Payment System in India- A Roadmap]

    14. R.B. Barman, Ashish Das, Markus Tacke and N. Srinivasan (February, 2011)
      [Assessment of the Payment System With respect to Inclusiveness towards Small Remittances]

    15. Ashish Das and Rakhi Agarwal (February 23, 2011)
      [Cashless Payment System in India- A Roadmap (PowerPoint Presentation)]

    16. Ashish Das (May 20, 2011)
      [Savings Bank Accounts- Interest Rate Deregulation]

    17. Ashish Das (May 25, 2011)
      [Electronic Remittance System in India- Rationalization]

    18. Ashish Das (October 21, 2011)
      [A Rational Savings Bank Deposit Interest Rate in India]

    19. Ashish Das and Rakhi Agarwal (April 20, 2012)
      [Cashless Payment System in India- A Roadmap (PowerPoint Presentation)]

    20. Ashish Das (July 22, 2012)
      [Financial Education on Remittances- Impact on Inclusive Growth]

    21. Ashish Das (July 23, 2012)
      [Including the Poor- Need for Reforms in Remittances in India]

    22. Ashish Das (July 2, 2013)
      ['Interest' of Bank Depositors in Chaos]

    23. Ashish Das (November 26, 2013)
      [Banks Violating Prevention of Money-Laundering Act for Excluding the Excluded]

    24. Ashish Das (July 21, 2014)
      [Banking Inclusion - A Leap Forward Clear Guidelines on Officially Valid Document]

    25. Ashish Das (September 17, 2014)
      [The Art of Living for ATMs in India]

    26. Ashish Das (October 26, 2014)
      [A Myth called 'Any Branch Banking' - Service Charge Discrimination : Misrepresentation of Monetary Policy Regulatory Stance]

    27. Ashish Das (January 26, 2016)
      [Incentivising ATM-cash and cheques over electronic transactions - A policy gap]

    28. Ashish Das (March 14, 2016)
      [Interest on Deposits - Moving Towards Computing Standards]

    29. Ashish Das (April 24, 2016)
      [Promotion of Payments through Cards and Digital means]

    30. Ashish Das and Praggya Das (November 28, 2016)
      [Sanitising Distortions in Digital Payments]

    31. Ashish Das (January 17, 2017)
      [Digital Payments - Digitisation since Demonetisation (PowerPoint Presentation)]

    32. Ashish Das (February 28, 2017)
      [Discovering the right MDR for India]

    33. Tulika Dutta and Ashish Das (May 1, 2017)
      [Analyzing Data of Pradhan Mantri Jan Dhan Yojana]

    34. Ashish Das (June 26, 2017)
      [Basic Savings Bank Deposit Account - Complex Design, Faulty Implementation]

    35. Ashish Das and Praggya Das (November 10, 2017)
      [Digital payments in India: The road ahead]

    36. Ashish Das (December 28, 2017)
      [Fault Lines in Implementation of Minimum Balance Rule for Savings Bank Accounts in India]

    37. Ashish Das (January 5, 2018)
      [BHIM UPI and BharatQR]

    38. Ashish Das (January 29, 2018)
      [Fault Lines in Implementation of Minimum Balance Rule for Savings Bank Accounts in India (PowerPoint Presentation)]

    39. Ashish Das (May 26, 2018)
      [Can BSBDA Depositors have Long Innings? - Be Aware and Remain Vigilant]

    40. Ashish Das (August 19, 2018)
      [SBI's charges for non-maintenance of minimum balance in 2017-18 were unreasonable]

    41. Ashish Das (January 30, 2019)
      [To surcharge or not to surcharge! (PowerPoint Presentation)]

    42. Ashish Das (March 3, 2019)
      [To surcharge or not to surcharge! The plight of small and medium merchants]

    43. Ashish Das (January 7, 2020)
      [Discriminatory approach for RuPay debit cards: Some suggestions for corrective measures]

    44. Ashish Das (August 24, 2020)
      [Deviating from the BHIM-UPI Law]

    45. Ashish Das (September 22, 2020)
      [Merchant transactions through debit cards - costs and prices]

    46. Ashish Das (December 8, 2020)
      [Charging Consumers for Merchant Payments]

    47. Ashish Das (March 18, 2021)
      [The making of another NPCI]

    48. Ashish Das (April 11, 2021)
      [Regulating Basic Savings Bank Deposit Accounts - Do we need to care for these marginalized depositors?]

    49. Ashish Das (April 11, 2021)
      [Supplementary Material for 'Regulating Basic Savings Bank Deposit Accounts - Do we need to care for these marginalized depositors?']

    50. Ashish Das (April 18, 2021)
      [Statement of Facts - Relating to SBI's 'Statement of clarification on media reports based on the IIT Bombay Study']

    51. Bhavna Sharma and Ashish Das (October 1, 2021)
      [Merchant transactions through debit cards]

    52. Ashish Das (November 21, 2021)
      [SBI's Undue Enrichment from Exploitative Charges on UPI and RuPay Transactions- Imposition of Discriminatory and Unreasonable Charges for Transacting Digitally in a BSBDA ]

    53. Amogh Das and Ashish Das (August 1, 2022)
      [Unified Payments Interface - A Giant in the Digital Payments Space]

    54. Ashish Das (October 2, 2022)
      [Charges in Payment Systems in India]

    55. Ashish Das (October 2, 2022)
      [Charges in Credit Card Payment System]

    56. Ashish Das (October 30, 2022)
      [Charges in the UPI System]

    57. Ashish Das (April 2, 2023)
      [Charges for PPI-based P2M UPI transactions - The deception]

    58. Ashish Das (October 23, 2023 - TO BE RELEASED SOON)
      [Charges imposed on UPI transactions and much more...]

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    Last modified: Sun October 23 12:55:14 IST 2023