How to make online payments bustle with competition

The National Payments Corporation of India (NPCI) is considering reviving a proposal to limit transactions per entity in the Unified Payments Interface (UPI) ecosystem to prevent market dominance by a few players. Currently, three major players dominate the market, with two accounting for 77% of transactions. The NPCI aims to mitigate systemic risks and promote competition. There are alternative measures like leveling the playing field, regulating data control, and allowing more participants, rather than imposing transaction limits, to ensure a diverse and competitive UPI ecosystem.

Data localization could soon be the worldwide reality

The European Court of Justice’s ruling on the US-EU Privacy Shield, impacts global data transfer practices. This decision, highlighting the importance of local laws in data protection, may lead to increased data localization, affecting countries like India and beyond, potentially restricting European data within Europe’s borders.

India’s 21st century dilemma of global non-alignment

India will need to remain non-aligned as it did during the Cold War unless it ups its game and becomes the third force in the two way battle. In the new tech cold war between US and China, India cannot remain non-aligned.

Why community data trustees should also be regulated

The first draft report of India’s Non-Personal Data Committee suggests democratizing data and introducing a new category of data principal - the community. However, absent guidelines for data trusts, the potential risks of politicization and favoritism within community action groups could result in potential misuse.

The untold story behind the evolution of privacy rights

The article “The Right to Privacy” by Samuel Warren and Louis Brandeis, published in 1890, has been influential in shaping modern privacy law. This foundational work has indirectly contributed to securing protections for the LGBTQ+ community, including influencing decisions that decriminalized homosexuality in the U.S. and India. But recent scholarship suggests that Warren’s motivation for writing the article may not have been what we thought it was.

An education model that best suits the realities we face

The pandemic’s shift to online education highlights social inequities, as not all students have equal internet access. Asynchronous learning, unlike the current synchronous virtual classrooms, offers a solution by allowing students to learn at their own pace and access materials offline, potentially making education more inclusive and adaptable to individual needs.

Algorithmic collusion is a possibility to watch out for

In 2011, a biology book was listed on Amazon for $1.7 million, eventually reaching $23 million due to two sellers’ algorithms reacting to each other’s pricing. This incident underscores the challenges and potential regulatory issues as businesses increasingly rely on algorithms. It has gained attention in legal contexts, including Indian courts, where cases challenge the legality of pricing algorithms used by ride-hailing companies.

Immunity passports might be inevitable as we go along

As countries grapple with COVID-19’s community spread phase, the focus has shifted to frequent testing. It is time to consider the potential use of health and immunity passports. These passports could become essential for travel and social activities, but at the same time give rise to a greater risk of deepening social divides and creating new forms of privilege.

A Golden Opportunity for Judicial Reform

Covid forced courts to adapt to remote working. And they did remarkably well considering the extent to which court processes rely on physical interactions. We need to use this opportunity to radically re-imagine dispute resolution. We can move to written advocacy, use artificial intelligence to make better decisions about litigation strategy - such as the chance of success of an appeal.

Online Dispute Resolution

We need to radically reimaginine India’s justice delivery system by leveraging digital technology. We should propose written advocacy into the dispute resolution workflow and rely on data-driven reports to inform litigation strategies. How much we can transform is only limited by our courage.