For the past year, as part of my Peak Urban research, I have been researching the emergence of digital money and Uber-like online transport booking services in the auto-rickshaw industry in Bengaluru. I have witnessed huge gaps in provision to services, particularly for these low-income self-employed drivers who are marginalised from regulated banking institutions and are forced to seek alternative financial arrangements at exorbitant costs. They provide important transportation services for the public, that are designed to supplement the bus and Metro systems. Yet these drivers are not financially supported in terms of infrastructure investment, salaries, health insurance or retirement pensions.…
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