If CBDC data is shareable with banks, those without bank accounts can still build credit and access lower interest rate loans. This design is optimal for welfare if the gains from greater access to ...

NABARD and SBI pilot RBI’s digital currency to offer Kisan Credit Card (KCC) benefits to landless farmers in Andhra Pradesh ...

A system is being worked out to integrate the Central Bank Digital Currency (CBDC)-based subsidy system with the Unified ...

(Hence: fractional banking.) CBDC is a digital mattress. Given that the average loan-to-deposit ratio for banks is generally around 1:1, every dollar that migrates from commercial bank deposits to ...

Punjab National Bank CEO Ashok Chandra expects to surpass credit growth targets in FY25, driven by corporate and RAM sectors.

We link our discussion to the emergence and design of central bank digital currencies (CBDC), with a special focus on how loans would be granted in a CBDC world.

But what does that future look like? With 90 per cent of central banks now exploring their own CBDC (Central Bank Digital Currency) according to McKinsey, the once-fanciful notion that governments ...