Access To Finance Research Articles

Digital Money Services, Regulatory Framework and Performance of Women Owned Table Banking Schemes in Kenya

The global imperative to strengthen gender equity, equality, and foster a social-solidarity-based economy serves as a driving force for achieving sustainable development that caters to the needs of all individuals. The identified barriers of insufficient capital and limited decision-making capacities emerge as primary obstacles, hindering the swift progress towards crucial development milestones. Addressing these challenges becomes essential for empowering women in financial endeavors, allowing them to leverage the benefits of digital money within table banking frameworks, thereby contributing to the broader goals of sustainable and inclusive development. The purpose of this study was to analyze the impact of digital money services, regulatory frameworks on the Performance of Table Banking among Women in Kenya. This study was anchored on Innovation Diffusion Theory and the Modern economics theory. This study primarily employed a qualitative methodology, specifically opting for a systematic literature review, commonly referred to as desktop research. The findings revealed that the adoption of digital financial services, particularly mobile money, significantly contributes to women's economic empowerment through table banking initiatives. Notably, mobile money facilitates faster transfers, broad risk-sharing, improved privacy, enhanced decision-making, and improved savings balances. The evidence consistently highlighted enhanced financial control, improved savings, improved credit and access to entrepreneurial opportunities. This collective insight underscores the pivotal role of digital payments in positively shaping the landscape of women's financial inclusion and empowerment within the context of table banking initiatives. To harness these benefits, stakeholders in table banking initiatives should prioritize the adoption and integration of digital money platforms, ensuring that rural women have the necessary resources and knowledge to leverage these technologies for their financial advancement. The stakeholders, including financial institutions and policymakers, should actively promote digital literacy programs tailored for women owned table banking schemes in Kenya.

ATM Security based on Face Verification

Abstract: To provide a reliable security solution, this project focuses on creating an ATM security system based on facial recognition using OpenCV, machine learning, and deep learning. The paper examines how facial recognition technology can improve ATM security, offering a non-intrusive and highly accurate method of identity verification. By analyzing unique facial features, such as facial component sizes and shapes, this technology can authenticate users in real-time reliably. The proposed system integrates facial recognition software with existing ATM infrastructure. Users are prompted to look into a camera for facial authentication when approaching the ATM. Upon a successful match, users gain access to ATM functionalities, ensuring a seamless and secure transaction experience. This ATM security system emphasizes robust user verification before granting financial transaction access. By integrating face recognition and personal question verification, the system provides a multilayered security approach, increasing user confidence and deterring unauthorized access attempts.

THE SOCIAL SPHERE IN THE ERA OF DIGITALIZATION: FINANCIAL AND ACCOUNTING ASPECTS

The integration of digital technologies into the social sphere has brought about significant changes in financial and accounting practices. The aim of this article is to provide a comprehensive understanding of how digitalization has reshaped financial and accounting practices within the social sphere. By synthesizing existing literature and presenting empirical evidence, this study seeks to elucidate the opportunities and challenges arising from the digital transformation of the social sphere. This article explores the implications of digitalization for finance and accounting within the social sphere, focusing on five main objectives: examining the impact of digitalization on financial reporting and disclosure practices in social media platforms, analyzing the role of digital platforms in shaping consumer behavior and financial decision-making, assessing the implications of FinTech innovations for accounting processes and financial management, investigating the effects of digitalization on financial inclusion and access to capital for marginalized groups, and exploring the challenges and risks associated with the digitalization of financial and accounting practices. Through a comprehensive literature review, this article provides insights into the opportunities and challenges presented by digitalization in the context of finance and accounting within the social sphere, highlighting the need for robust regulatory frameworks and inclusive policies to maximize the benefits of digital transformation while mitigating associated risks. The results underscore the transformative impact of digitalization on financial and accounting practices within the social sphere. While digital platforms offer unprecedented opportunities for transparency, efficiency, and inclusion, they also present complex challenges that must be addressed. Moreover, the findings highlight the need for regulatory frameworks and industry standards to mitigate risks associated with digitalization and ensure ethical conduct in financial and accounting practices.

State regulation of agricultural sector based on the example of cultivation of industrial crops in the Zhetisu region of the Republic of Kazakhstan

The goal is to study the mechanisms of state support for agricultural sector (using the example of industrial crops in the Zhetisu region), analyze the current state of agro-industrial production in the Republic of Kazakhstan, consider problems and ways of their solution. Methods – theoretical basis of the work consists of the works of foreign and domestic scientists; the analysis method assesses the development of agro-industrial complex of the Zhetisu region, regulation of the price level for industrial crops and food. Using the statistical method, conclusions on the current situation and prospects for their production. The modeling method made it possible to form effective model for managing agricultural sector. Results – problems associated with raw materials orientation of agricultural sector, incomplete utilization of production capacity, low level of introduction of innovative technologies and technical equipment slow down the pace of development of agricultural industry. Ways to solve these problems have been outlined: proposals aimed at improving the availability of financing for small businesses through investing in agricultural infrastructure and expanding the network of production and service cooperatives, increasing the efficiency of state support for agricultural economy of the Zhetisu region have been prepared. Conclusions – the main scientific principles obtained during the study can be used as information and analytical material for the development and implementation of effective policies for cultivation, processing and sale of industrial crops in the region. Natural and labor resources will allow the region to become self-sufficient in food supply. The main directions of modern state policy for regulating agricultural production are indicated: creating conditions for maintaining sustainable growth in demand for food products and raw materials; creation of infrastructure, system of wholesale and retail markets; support of price system that satisfies the population's demands for food.

Perception of the Impact of Digital Wallets, Mobile Payments, and Contactless Payment Technologies among the Senior Citizens Residing in Bangalore in Regards to Purchases, Travel, and Household Expenses

This research delves into the adoption of digital payment technologies—digital wallets, mobile payments, and contactless methods—among senior citizens in Bangalore, India, within the context of a rapidly digitalizing economy. Despite the potential of these technologies for enhanced financial accessibility, their impact on the elderly, a group often overlooked in tech discussions, is not well understood. The study, targeting seniors aged 50 and above through a questionnaire-based approach, aims to fill this gap by examining their perceptions, challenges, and adoption rates, thereby offering insights into their integration into everyday financial activities. With 100 participants surveyed, the research uncovers a growing interest in digital payments among seniors, albeit with significant adoption variances. Key factors influencing acceptance include ease of use, security, and financial independence potential, while notable barriers encompass technological unfamiliarity and security concerns, indicating the need for more accessible, senior-friendly digital payment solutions. The findings show a balanced gender distribution among participants, primarily in the early stages of seniority (50–60 years), and a middle-income concentration, suggesting a ripe demographic for digital payment initiatives but also revealing sporadic digital payment use due to technological and security hurdles. In conclusion, the study highlights the necessity of developing inclusive, secure, and user-friendly digital payment platforms for seniors, urging a collaborative effort among policymakers, tech developers, and the community to boost seniors' financial autonomy and inclusion. It offers valuable insights for tailoring tech innovations to better meet senior needs, contributing to a more inclusive digital financial ecosystem, and outlining actionable strategies for enhancing senior financial empowerment and confidence in the digital economy.

Unlocking Economic Landscape: Understanding the Dynamics of Financial Challenges, Business Traits, Financial Resources, Growth Phases, Financial Accessibility, and MSME Performance

Ease of access to finance serves as a driving force for the development of entrepreneurship. Entrepreneurship, in turn, has the capability to stimulate the creation of new employment opportunities. Sound financial access is crucial for supporting the sustainability and growth of the Micro, Small, and Medium Enterprises (MSMEs) sector. The objective of this research is to delve deeper into the challenges faced by MSMEs in accessing finance and analyze its influence on the business performance of MSMEs. The survey for this research was conducted on 324 MSMEs in the South Sumatra Province. The sample selected used the quota sampling technique. The research framework was developed and tested using a Structural Equation Model (SEM). The research findings indicate that business traits, financial resources, and growth phases of MSMEs have a significantly positive impact on financial access, while financial challenges have a negative impact that hinders the growth of MSMEs and affects overall MSME Performance.

Economic well-being induced Women's empowerment: Evidence from coastal fishing communities of Bangladesh

Women's empowerment is an important policy agenda that is critical for developing countries like Bangladesh to achieve sustainable development goals (SDGs). The prime objective of this paper was to examine whether community savings groups can truly improve the economic conditions of women which turns into women's empowerment in fishing communities or not. The propensity score matching (PSM) and logistic regression technique were incorporated, and required data were collected from Community Savings Groups (CSG) interventions and non-CSG villages of coastal Bangladesh. Quantitative data were collected from 615 women comprising 306 CSG participants (treatment group) and 309 non-participants (control group). The results affirm CSG group members were economically more solvent and less dependent on borrowed money than non-CSG group members. Improved economic indicators (savings, income and expenditure) of CSG households make the foundation of attaining women's empowerment for the intervened group. The findings revealed that CSG women performed better in various dimensions of leadership capacity than non-CSG women. Econometric analysis confirmed positive impacts of CSG interventions on savings, gross household income, earning from catching fish, alternative income-generating activities (AIGAs), expenditure, and women's empowerment. The initiatives of CSG not only generate economic well-being but also contribute to women's empowerment. Financial access, improved literacy and an enabling environment for the productive engagement of women reduce gender inequality in fishing communities. To sustain the benefits of CSG, establishing institutional linkages (advisory and financial), legality/registration of CSGs from the government authority, and facilitation of alternative IGAs are crucial.

Dueling COVID-19 misinformation: Perceptions and behavior of the rural population from South Asian countries

This multi-lingual study presents the awareness, perceptions, and behavior regarding COVID-19 “misinformation” and “fake news,” among the rural population of the South Asian (SA) countries of Bangladesh, India, and Pakistan. The survey questionnaire was distributed to a convenient sample of 400 respondents from the three most populated SA countries selected due to their shared socio-cultural history; limited by fund availability and travel restrictions due to the prevailing lockdowns during the data collection period of early 2022. Results indicate that 92.98% of the participants perceived the presence of COVID-19 misinformation to varying degrees around them with less than 10% finding it easy to verify the accuracy of the information. The results indicate that the participants initially believed the made-up news and information to be true and then experienced fear or uncertainty upon realizing that it was fake. Results further show significant differences in perception and behavior when analyzed with the parameters of gender, age, education, and religion. Our study highlighted that female respondents perceived less than male respondents that fake news was around them, and younger participants of the study had less perception of the presence of fake news around them. The present study also found that the education level of respondents is a strong predictor of their perception of COVID-19 misinformation. Respondents with high school degrees perceived less made-up news and information than associate and master-level degree holders. The findings indicate a lack of media literacy, with a vast majority of individuals being susceptible to false information. The findings of the study will help healthcare professionals, information professionals, social workers, extension workers, and policymakers to deal with the Infodemic and further also assist in designing shared health information literacy programs across the region.

Empowering Women: E-Shakti's Impact on Self-Help Groups Digitization and Financial Inclusion in India

The study assesses the influence of the National Bank for Agricultural and Rural Development’s (NABARD) Project E-Shakti on the digitization of Self-Help Groups (SHGs) and the economic position of women in India. The study evaluates the project's outcomes using data from NABARD's Status of Microfinance in India reports from 2007-08 to 2022-23. The number of SHGs credit linked, savings of SHGs, loans disbursed to them, loans outstanding against them, and non-performing assets (NPA) were the variables considered for the study. Trend analysis and correlation were applied to the available data. For the analysis of the data, the Python algorithm was used. The study's findings indicate that Project E-Shakti intensely boosted the number of districts served and SHGs linked to formal finance, reducing their dependency on informal sources. The project also resulted in a significant increase in loan disbursement to SHGs, indicating enhanced financial sustainability and accessibility. The digitization of SHGs improved women's economic conditions by allowing them to engage in income-generating activities. The programme helped to reduce non-performing assets, signifying its beneficial impact on the financial health of SHGs. Refinance to Non-Banking Financial Companies- Microfinance Institutions (NBFC-MFIs) showed a boost after E-Shakti but then a volatile pattern was observed in the subsequent years. Project E-Shakti was a success in terms of promoting digitization, increasing financial inclusion, and improving women's economic empowerment in SHGs. To maximize the long-term benefit of digitization programmes, the study proposes increasing their scope, investing in digital literacy training, and enhancing monitoring and evaluation procedures.

A qualitative inquiry on drivers of COVID-19 vaccine hesitancy among adults in Kenya.

COVID-19 vaccination rates have been low among adults in Kenya (36.7% as of late March 2023) with vaccine hesitancy posing a threat to the COVID-19 vaccination program. This study sought to examine facilitators and barriers to COVID-19 vaccinations in Kenya. We conducted a qualitative cross-sectional study in two purposively selected counties in Kenya. We collected data through 8 focus group discussions with 80 community members and 8 in-depth interviews with health care managers and providers. The data was analyzed using a framework approach focusing on determinants of vaccine hesitancy and their influence on psychological constructs. Barriers to COVID-19 vaccine uptake were related to individual characteristics (males, younger age, perceived health status, belief in herbal medicine, and the lack of autonomy in decision making among women - especially in rural settings), contextual influences (lifting of bans, myths, medical mistrust, cultural and religious beliefs), and COVID-19 vaccine related factors (fear of unknown consequences, side-effects, lack of understanding on how vaccines work and rationale for boosters). However, community health volunteers, trusted leaders, mandates, financial and geographic access influenced COVID-19 vaccine uptake. These drivers of hesitancy mainly related to psychological constructs including confidence, complacency, and constraints. Vaccine hesitancy in Kenya is driven by multiple interconnected factors. These factors are likely to inform evidence-based targeted strategies that are built on trust to address vaccine hesitancy. These strategies could include gender responsive immunization programs, appropriate messaging and consistent communication that target fear, safety concerns, misconceptions and information gaps in line with community concerns. There is need to ensure that the strategies are tested in the local setting and incorporate a multisectoral approach including community health volunteers, religious leaders and community leaders.

DIGITAL BANKING AND FINANCIAL INCLUSION: A REVIEW OF PRACTICES IN THE USA AND NIGERIA

This paper examines the role of digital banking in advancing financial inclusion in the United States and Nigeria, aiming to identify and compare practices and outcomes in these two distinct economic contexts. Through a comprehensive review of existing literature and analysis of case studies, the study explores how digital banking platforms and services have been implemented and their impact on underserved populations. The research methodology includes a comparative analysis of secondary data, policy documents, and interviews with key stakeholders in the banking sector of both countries.
 Key findings reveal that digital banking has significantly contributed to financial inclusion by providing accessible, affordable, and convenient financial services. In the USA, technological advancements and a robust regulatory framework have fostered a competitive digital banking environment, leading to innovative solutions for reducing barriers to financial access. Conversely, in Nigeria, despite facing infrastructural and regulatory challenges, mobile banking and digital payment services have seen rapid growth, driven by the necessity to reach unbanked populations in remote areas.
 The paper concludes that while both countries have made strides in leveraging digital banking for financial inclusion, the success and scale of implementation vary due to differences in economic development, regulatory environments, and technological infrastructure. It suggests that cross-country learning and adaptation of best practices could further enhance the effectiveness of digital banking in promoting financial inclusion globally. This study contributes to the understanding of digital banking's potential in bridging the financial inclusion gap and offers recommendations for policymakers and financial institutions in both developed and developing countries.
 Keywords: Digital Banking, Financial Inclusion, Regulatory Frameworks, Policy Initiatives, Mobile Money, Digital Payment Systems, Regulatory Sandboxes, National Financial Inclusion Strategies, Consumer Protection, Financial Stability, Cybersecurity, Digital Literacy, Fintech Innovation.

Debt Collection Experience and Health: Financial Access as a Moderator

Little is known about the association between debt collection experience and physical health. Financial access, the ability to own and use financial products and services from mainstream financial institutions, may serve as a buffer on the association. Using the 2022 Financial Health Pulse data, this study explored the association among debt collection experience, financial access, and health. This study identified three classes of financial access (Investor, Working Class, and Thinly Banked) through the Latent Class Analysis and found a negative association between debt collection experience and physical health. The negative association is strongest for those with the lowest financial access. Practice, research, and policy implications for consumer finance and health practitioners are discussed.

Breaking barriers: Assessing pre-exposure prophylaxis awareness and willingness to use in the Lebanese community.

In the evolving HIV landscape, the Middle East and Northern Africa (MENA) grapples with data gaps, hindering the 95-95-95 targets. Lebanon, despite progress, falls short. Our study addresses Pre-exposure Prophylaxis (PrEP) gaps for effective HIV prevention. Surveying 410 participants via snowball sampling and an online questionnaire, we analyzed data with chi-square and regression over 5months for insights into PrEP awareness and readiness. Summarizing the pivotal statistical outcomes of the study, 22.2% reported awareness of PrEP, showcasing diverse knowledge levels about its purpose and usage. Out of them, 57.1% expressed a willingness to use it; while a mere 5.5% have utilized it. The study reveals diverse demographic profiles, with age influencing PrEP awareness and willingness to use. Positive correlations exist between PrEP discussions within social circles, increased information availability, and elevated willingness. Financial considerations and accessibility at pharmacies emerge as critical determinants, guiding the development of targeted interventions. This analysis emphasizes tailored education, community initiatives, and policy enhancements to address PrEP challenges in Lebanon. Guiding public health initiatives, our study considers age, social dynamics, education, and accessibility in HIV prevention.

Electronic Financial Services Market in RK: Problems and Prospects of Development

Main problem: At the present stage of life, Innovations in the financial sector contribute to the optimization of financial intermediation and, in turn, stimulate economic growth. Financial innovations increase the efficiency of the allocation of savings capital to investment capital, as well as increase liquidity in the markets. As the digital economy has developed, the functionality of traditional large financial institutions has been partially replaced by financial technologies (FinTech). FinTech involves the convergence of traditional financial services with mobile services, social media services, big data aggregation and processing, and cloud technologies.\ Purpose of this article is to identify the main directions of the electronic financial services market in the Republic of Kazakhstan, identify the main problems and prospects for the development of the financial sector of the economy. Methods: The work used general scientific methods of comparative system, vertical and horizontal analysis, structural and functional method, analytical techniques, economic and statistical research methods. The results and their significance: the authors identified the main directions of digitalization of the financial sector of the modern economy, noted the role of FinTech companies and services in both theoretical and practical terms, and provided relevant approaches to the definition of this concept in the economic literature. The main reasons and factors for the development of this direction of digitalization of the financial sector are substantiated, including the concept of financial accessibility, the advantages and disadvantages of FinTech, various approaches to their classification, country and regional characteristics, and an analysis of development trends. The crowdfunding direction of FinTech is noted, approaches to its definition and classification are given, the advantages of the crowdfunding mechanism are revealed, and its role in the modern economy is analyzed. The trend of algorithmic trading development as the most important direction of digitalization of the financial sector is investigated. A detailed analysis of mobile financial services as one of the fastest-growing areas of FinTech is carried out, approaches to their classification are given, factors stimulating the growth of mobile payments, country and regional characteristics are substantiated. The main directions of digitalization of the insurance sector are analyzed, reasonable conclusions about the advantages of InsurTech are made. Keywords: digitalization of the financial sector, FinTech, financial accessibility, crowdfunding, algorithmic trading, mobile financial services, mobile money, InsurTech.

Determinants of Accountability for Financial Management of Non-Profit Organizations in Indonesia with the Internal Control and Supervision Environment as Moderation Variables

This study aims to examine the determinants of financial management accountability in non-profit organizations. Utilizing a quantitative methodology employing Partial Least Squares (PLS) analysis, the study assessed 14 hypotheses, relying on coefficient values and significance levels for hypothesis validation. While the choice of analysis model and rationale behind its selection were not explicitly elucidated, the study ensured rigor through pilot testing of the questionnaire to establish validity and reliability. From 140 distributed questionnaires, 87 were returned, and 79 met the inclusion criteria for analysis. The findings suggest a significant positive influence of transparency, fund type, financial statement presentation, and accessibility on financial management accountability. Additionally, internal control factors such as transparency, fund types, financial statement presentation, accessibility, and internal supervision underscore the importance of these elements in bolstering accountability. However, it is noteworthy that the direct impact of the control environment on financial management accountability was not observed within the study's context. While the identification and operationalization of the studied variables were not extensively detailed, it is acknowledged that the relatively small sample size and the focus solely on non-profit organizations in Indonesia may constrain the generalizability of the findings. Nonetheless, this research provides valuable insights into the factors influencing accountability practices in NGO financial management, potentially benefiting stakeholders and contributing to the existing literature on financial management, particularly within the realm of non-profit entities.

The Role of ICT Initiatives in Enhancing Urban Agriculture: A Case Study of Bengaluru Smart City

Urban agriculture is gaining significance in the sustainable development of rapidly growing cities like Bengaluru, with a particular emphasis on leveraging Information and Communication Technology (ICT) for its enhancement. This paper investigates how ICT initiatives can bolster the productivity, sustainability, and inclusivity of urban agriculture in Bengaluru. Employing a qualitative research design, the study draws upon various data sources, including a series of interviews with key stakeholders, extensive field observations, and a comprehensive review of pertinent literature. Our findings underscore the transformative potential of ICT initiatives in addressing key challenges encountered in urban agriculture in Bengaluru, such as limited access to information, inadequate market linkages, and constrained financial resources. Specifically, we highlight ICT's role in optimizing crop management practices, fostering stronger market connections, facilitating financial access, and promoting social inclusivity within urban agricultural systems. Furthermore, this paper discusses the implications of these findings for policymakers and practitioners in Bengaluru and offers insights that extend to urban agricultural contexts beyond this region. By emphasizing the potential of ICT to revolutionize urban agriculture, this study contributes to the broader goals of sustainable urban development. Suggestions for future research directions in this domain are also discussed.

Analysis of Small Traders' Preferences When Deciding to Owe Loans Using Behavioral Planning Theory

Objective: The aim of this research is to analyze the factors that influence small traders' decisions in borrowing money from loan sharks. Method: This research uses Behavioral Planning Theory (TPB) as a quantitative analysis framework. Results and Discussion: The results of data processing show that the financial behavior of small traders is influenced by factors such as ease of loans, disbursement without time constraints, social communication, payment flexibility, and other social dimensions. The research results provide insight into the complex dynamics of small traders' financial behavior and provide a basis for finding relevant and sustainable solutions in increasing fairer financial access at the community level. Research Implications: This research investigates the financial behavior of small traders who interact with moneylenders in the context of communal finance. Amid intense market competition, small traders face financial differentiation, creating complexity in their financial behavior. Limited access to finance and the complex role of moneylenders makes it difficult for small traders to manage debt. Originality/Value: This research can help design better policies to support the economic sustainability of small traders and overcome the financial challenges they face.

Livestock and climate change frames and interaction strategies in East Africa: exploring tensions between adaptation and mitigation options

ABSTRACT East African livestock systems, which support many livelihoods, are suffering from climate change but also contribute a large portion of national greenhouse gas emissions. There are various ways to frame livestock and climate change problems and solutions. We use data from interviews, policy documents and participant observations of science-policy interfaces in Ethiopia, Kenya and Uganda to answer: (1) How do frames used by scientists and policymakers affect discussions about climate change and livestock keeping in East Africa? and (2) What framing interaction strategies are employed to deal with ambiguity in science-policy interfaces? Findings show emphasis is given to framings describing livestock and climate change problems and less to response framings. While adaptation and mitigation are both used as issue frames in general discussions, funding availability to address climate issues draws attention to the need for measurement, reporting and verification systems, leading to more concrete discussions on mitigation-related response options and less attention on adaptation. Actors use different interactional framing strategies to co-construct meaning around problems and response options. The findings highlight the need for governments and partners to co-create knowledge on how livestock interventions can address adaptation and mitigation simultaneously to move away from the adaptation-mitigation divide in response framings.

The impact of digital inclusive finance on rural income growth in China: evidence from quantile regression approach

ABSTRACT Based on a panel data set from 2013 to 2021 of Chinese provinces and regions, this research aims to reveal the impact of digital inclusive finance on rural disposable income in China. The linear regression approach with Driscoll-Kraay standard errors and the quantile regression approach are applied in this research. Both approaches show that digital inclusive finance significantly impacts China’s rural income growth. The regression results of China’s east, middle and west area separately imply that the impact of digital inclusive finance in on rural disposable income is higher in the east area and middle area than that in the west area. The quantile regression results show that the impact in the higher quantile is larger than in the lower quantile, which indicates rural high-income groups get more benefits from digital inclusive finance than rural low-income groups. Moreover, this research finds that the development of e-commerce contributes significantly to rural disposable income growth. The empirical results of this research indicate that the establishment of digital inclusive finance in the west backward area still need to be improved to increase the access of digital inclusive finance for rural low-income groups.

CCUS in India: bridging the gap between action and ambition

India has committed to reaching net-zero greenhouse gas emissions by 2070. While targets for CO2 capture, utilization and storage (CCUS) technologies are not explicitly set, the Government of India’s agencies and public-sector enterprises have mentioned CCUS approaches conditionally subject to availability of feasible technology and financing. This paper aims to examine the gap between the current status of CCUS in India and the levels of deployment as projected by modeling exercises. It takes a Talanoa dialogue approach to answer the following questions on CCUS perspective in India: where are we right now, where do we need to be, and how do we get there. The current status of CO2 capture in India is at the pilot/demonstration stage, with the chemicals and steel sectors, being the most advanced. Emergence of the methanol economy as a key avenue for CO2 utilization may be seen at a large-scale. Geologic CO2 storage is at an advanced planning stage via enhanced oil recovery, and will likely be targeted over this decade. From the current and planned stage, India would likely need 400–800 Mt-CO2/year by 2050 to meet its share of the 1.5 °C carbon budget. We suggest several priority research directions for technology development across the CCUS value chain.