In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

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One of the most troubling critiques of contemporary democracy is the inability of representative governments to regulate the deluge of money in politics. If it is impossible to conceive of democracies without elections, it is equally impractical to imagine elections without money. Costs of Democracy is an exhaustive, ground-breaking study of money in Indian politics that opens readers’ eyes to the opaque and enigmatic ways in which money flows through the political veins of the world’s largest democracy. Through original, in-depth investigation—drawing from extensive fieldwork on political campaigns, pioneering surveys, and innovative data analysis—the contributors in this volume uncover the institutional and regulatory contexts governing the torrent of money in politics; the sources of political finance; the reasons for such large spending; and how money flows, influences, and interacts with different tiers of government. The book raises uncomfortable questions about whether the flood of money risks washing away electoral democracy itself.

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India Banking and Finance Report 2021 presents a lucid yet rigorous discussion on the key facets of the Banking and Financial sector in India. Written primarily by the faculty of National Institute of Bank Management (NIBM), Pune, the report covers a wide spectrum of issues ranging from contemporary macro-financial perspectives against the backdrop of the ongoing pandemic to leadership concerns in Indian banks. The list of subjects included is topical, comprising corporate governance challenges, mergers and acquisitions, problems and prospects of the Bad Bank, latest risk management concepts and frontiers, sectoral studies, digital transformation and leadership paradigms. The report seeks to highlight the emerging challenges and opportunities in the banking and financial sector, glean important lessons from the past, and in some cases speculate on the way forward. It emphasizes on a blend of internal strategies, regulatory reforms and public policy initiatives. The report will stimulate enlightened dialogues on the theoretical, empirical and practical aspects of bank management in India.

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