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A REGULATORY NIGHTMARE IN CRYPTO - Bhanu Sripada

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With governments growing unstable and citizens losing trust in sovereign national currencies, cryptocurrencies offer a universally accepted peer-to-peer transaction solution, which was the original intended purpose of bitcoin. Furthermore, they can be customized based on the application to suit the purpose. Governments and central banks are now trying to come forward with their own cryptocurrencies. This begs the question of the ability of governments to scan the nooks and crannies of this neo currency frontier for illegal activities, and if cryptocurrencies would usher in a peer-to-peer revolution, a new era of financing of crime or terrorism or both.    According to various research papers and articles published (even by the IMF and The New York Times), Bitcoin was a perfect medium of exchange for illicit activities on the dark web where the users could get away with using Bitcoin as a currency, as it is near impossible to trace it back to them. Close to one-half of Bitcoin ...
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Balancing Act: Addressing India's Growing Credit-Deposit Gap and Its Financial Implications - Vansh Aggarwal

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  Balancing Act: Addressing India's Growing Credit-Deposit Gap and Its Financial Implications The growing disparity between credit and deposit growth in India's banking sector is indeed a significant issue with potential implications for liquidity, financial stability, and the broader economy. This divergence—where credit growth has outpaced deposit growth—can be traced to several interconnected economic, regulatory, and behavioural factors, and understanding them is key to addressing the potential risks posed by this trend.  1. Money Creation Process and the Expected Correlation  In theory, when a bank extends a loan, it simultaneously creates a deposit, since the borrower’s account is credited with the loan amount. This is how the banking system expands the money supply. However, the current situation in India reflects a break in this expected relationship, as the loan growth exceeds deposit growth. As of October 2024, bank loan growth in India stood at 12.8% year-over-...
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Reviving India's Manufacturing Sector: Government Incentives as a Game-Changer - Raghav Modani

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  Reviving India's Manufacturing Sector: Government Incentives as a Game-Changer India has experienced the fastest growth rate among emerging economies, driven by its service sector and increasing consumer demand. However, the manufacturing sector, considered a crucial driver of long-term growth, remains largely underdeveloped. Currently, Indian manufacturing employs only 11% of the workforce and its contribution to the country’s GDP has remained stagnant. This contrasts sharply with other growing economies like Vietnam and China, where manufacturing significantly contributes to economic growth.  To give a scale of comparison, China, recognized as the "factory of the world," contributes 28.7% to global manufacturing output, supported by a well-established ecosystem with advanced infrastructure, extensive supply chains, and economies of scale. Manufacturing accounts for 27% of China's GDP, driven by strong government policies, investment in industrial parks, and a focu...
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