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The Reserve Bank on Thursday proposed to create a <keyword id="22711172" type="General" weightage="20" keywordseo="public-repository" source="keywords">public repository</keyword> of <keyword id="21305551" type="General" weightage="100" keywordseo="digital-lending-apps" source="keywords">digital lending apps</keyword> in a bid to address the problems arising from mushrooming <keyword id="22711171" type="General" weightage="20" keywordseo="unauthorised-players" source="keywords">unauthorised players</keyword> in the segment. In another significant move, the central bank proposed to introduce a facility of "<keyword id="22710839" type="General" weightage="20" keywordseo="Delegated-Payments" source="keywords">Delegated Payments</keyword>" in UPI to enable an individual to allow another individual to make <keyword id="19957378" type="General" weightage="20" keywordseo="UPI-transactions" source="keywords">UPI transactions</keyword>. In a <keyword id="13144094" type="General" weightage="20" keywordseo="post-monetary-policy-review" source="Orion">post-monetary policy review</keyword> address, <keyword id="19899808" type="General" weightage="20" keywordseo="RBI" source="keywords">RBI</keyword> <keyword id="20595794" type="General" weightage="20" keywordseo="Governor-Shaktikanta-Das" source="keywords">Governor Shaktikanta Das</keyword> said the central bank has taken several measures for the orderly development of the <keyword id="12577431" type="General" weightage="20" keywordseo="digital-lending-ecosystem" source="Orion">digital lending ecosystem</keyword> in India. In a bid to address the problems arising from unauthorised digital lending apps (DLAs), he said the RBI proposes to create a public repository of DLAs deployed by its regulated entities. "The regulated entities (REs) will report and update information about their DLAs in this repository. This measure will help the consumers to identify the unauthorised lending apps," Das said. On introduction of 'Delegated Payments' through UPI, the Governor said the facility would enable an individual (primary user) to allow another individual (secondary user) to make UPI transactions up to a limit from the primary user's bank account without the need for the secondary user to have a separate bank account linked to UPI. This, he added, will further deepen the reach and usage of digital payments. The central bank also announced an increase in the transaction limit for tax payments through UPI to Rs 5 lakh. Currently, the transaction limit for UPI is Rs 1 lakh, except for certain categories of payments which have higher transaction limits. "It has now been decided to enhance the limit for tax payments through UPI from Rs 1 lakh to Rs 5 lakh per transaction. This will further ease tax payments by consumers through UPI," Das said. The Governor also announced measures to speed up cheque payment which will benefit both the payer and the payee. At present, cheque clearing through Cheque Truncation System (CTS), operates in a batch-processing mode and has a clearing cycle of up to two working days. "It is proposed to reduce the clearing cycle by introducing continuous clearing with 'on-realisation-settlement' in CTS," Das said. This means that cheques will be cleared within a few hours on the day of presentation.

RBI to set up public repository of digital lending apps to check unauthorised players

<ul class="summary-list"><li>Business titans like Jamie Dimon and Bill Gates reportedly back Kamala Harris — but not publicly.</li><li>It may be driven by fears of retribution from Trump and what a second term would bring.</li></ul>Both <a target="_blank" href="https://www.businessinsider.com/silicon-valley-billionaires-investors-kamala-harris-mark-cuban-reid-hoffman-2024-8">Vice President Kamala Harris</a> and <a target="_blank" href="https://www.businessinsider.com/which-billionaires-support-donald-trump-campaign">former President Donald Trump</a> have won support from America's business titans and CEOs. But not all of that support is being declared in public.On Tuesday, the New York Times reported that both <a target="_blank" href="https://www.businessinsider.com/jamie-dimon-political-ambitions-retirement-plans-jpmorgan-3q-earnings-2024-10">JPMorgan CEO Jamie Dimon</a> and <a target="_blank" href="https://www.businessinsider.com/how-bill-gates-spends-fortune">Microsoft founder Bill Gates</a> support Harris, but won't say so publicly.Gates <a target="_blank" href="https://www.nytimes.com/2024/10/22/us/elections/bill-gates-future-forward-kamala-harris.html">reportedly donated</a> $50 million to a pro-Harris "dark money" nonprofit group that, unlike political action committees, is not required to disclose its donors. A spokesperson for Gates did not respond to Business Insider's request for comment, but in a statement to The Times that didn't acknowledge the donation, he said that "this election is different" for him.Dimon has <a target="_blank" href="https://www.nytimes.com/2024/10/22/business/jamie-dimon-jpmorgan-harris-trump.html">reportedly told associates</a> that he supports Harris, but won't go public out of fear of retaliation.All of which raises the question: What's there to be afraid of?There's certainly reason to believe that Trump, if elected, would pursue some degree of retribution against those who he believes have wronged him. As he's mounted his third campaign for the presidency, he has at times <a target="_blank" href="https://www.businessinsider.com/donald-trump-dictatorship-revenge-second-term-truth-social-2023-12">emphasized "revenge"</a> as a campaign theme, and he hasn't shied away from targeting individual companies. In one recent instance, he threatened to <a target="_blank" href="https://www.businessinsider.com/trump-tariff-threat-john-deere-economists-baffled-2024-9">impose a 200% tariff</a> on John Deere if they go forward with moving some of their manufacturing facilities to Mexico.As president, he frequently criticized — often via tweet — individual companies who he disagreed with, which occasionally affected stock prices.But Jeffrey Sonnenfeld, a professor at the Yale School of Management and the founder and president of the Chief Executive Leadership Institute, says that the idea of retribution is "overstated" — and that avoiding wading into politics has long been the norm for chief executives, most of whom have traditionally been Republican."They're more concerned about alienating customers and employees needlessly," Sonnenfeld, <a target="_blank" class="" href="https://www.businessinsider.com/jeffrey-sonnenfeld-the-ceo-whisperer-2021-11">dubbed the "CEO whisperer"</a> for his relationships with America's CEOs, told Business Insider. "Everybody's afraid of alienating large blocs of their own constituency. That's what they're afraid of. They're not afraid of… Trump."Politics, as it turns out, may just be bad for business these days."They don't see themselves as public officials. They don't think that that's their calling, that that's their strength," Sonnenfeld said. "So they don't want to get involved publicly in social issues, if they don't have to."Joe Evangelisti, a spokesman for JPMorgan, told Business Insider that Dimon and his company are not fearful of retribution from either Harris or Trump, but that Dimon wants to avoid having his comments "weaponized by the left or the right." He added that Dimon is happy to work with either candidate if elected and prefers to talk about policies rather than partisan politics.It's not hard to see why Dimon would feel this way, given recent events. After <a target="_blank" href="https://www.businessinsider.com/jamie-dimon-trump-nato-immigration-maga-biden-presidential-election-2024-1">he said in January</a> that Trump was "kind of right" about NATO and immigration, he faced a firestorm of controversy. Dimon was later the subject of speculation over whether he would serve in Trump's administration, and earlier this month, he <a target="_blank" href="https://www.businessinsider.com/jamie-dimon-denies-donald-trump-claim-endorse-2024-10">denied Trump's claim</a> that he had endorsed him.But Dimon also has to ensure he has a good-enough relationship with Trump."I would never say that," Dimon <a target="_blank" class="" href="https://www.youtube.com/watch?v=-nUs_ppctB4">said</a> when asked if his position was "anything but Trump" last year. "You know, because he might be the president. I have to deal with that too."On the flipside, it's also possible that there are pro-Trump CEOs who don't want to alienate liberal customers and employees. In an appearance on CNBC's "Squawk Box" on Wednesday, billionaire hedge fund manager Bill Ackman suggested that there's a well of silent Trump support among CEOs."One of the few benefits of supporting Trump publicly is many, many people come up to me, CEOs, and say, 'Bill, thank you for saying what you're saying, I wish I were similarly situated where I could, but I have — you know, all my employees would quit,'" Ackman said.Still, Harris has received a <a target="_blank" href="https://www.businessinsider.com/mark-cuban-business-leaders-for-kamala-harris-2024-10">notable degree of support</a> from the business community, the most vocal example being investor Mark Cuban.According to Sonnenfeld, the Trump-related corporate activism of recent years — including around the January 6 insurrection — has been a historical anomaly driven by a sense that the country is in a moment of crisis."If there's something catastrophic, they will engage," Sonnenfeld said of CEOs, adding that we could see executives become more vocal if Trump were to lose the election and refuse to concede."There's a pretty high probability that if Trump isn't a clear winner, there's going to be a lot of confusion, if not a constitutional crisis," Sonnenfeld said. "And then they will get involved."

Why some CEOs are afraid of publicly criticizing Trump

<ul class="summary-list"><li>Neither Harris nor Trump outline specific disaster-relief policies on their website.</li><li>Their records, however, offer clues into how they'd deal with natural disasters as president.</li></ul>As another <a target="_blank" class="" href="https://www.businessinsider.com/hurricane-milton-evacuation-empty-gas-station-full-hotels-gridlock-traffic-2024-10">hurricane</a> threatens to devastate swaths of the Southeast, Vice President Kamala Harris and former President Donald Trump are under new scrutiny about their disaster response strategies. And though neither have specifically addressed how they'd approach disaster relief on their campaign websites, their environmental records offer clues into how they might deal with similar crises in the future.When Hurricane Helene bore down on six states, and with particular force in North Carolina and Georgia, both Harris and Trump said that the focus should be on providing aid, not politics. But the storm, which has killed more than 230 people and destroyed entire towns, has already crept into the presidential race. <a target="_blank" href="https://www.businessinsider.com/hurricane-helene-milton-tampa-florida-desantis-clean-disaster-dangerous-2024-10">Hurricane Milton is expected to hit Florida</a> on Wednesday night, only exacerbating the focus on environmental devastation."Disasters are always political," Thomas Birkland, a political scientist at North Carolina State University who studies the politics of national disasters, told Business Insider. He said that disaster relief is not, however, usually <a target="_blank" href="https://www.businessinsider.com/hurricane-milton-category-five-threatens-florida-fema-funding-2024-10">discussed during campaigns</a>.Timothy Kneeland, a professor at Nazareth University who studies politics and natural disasters, thinks that as hurricanes become more common, candidates should address them more explicitly."Having a short but clear statement on disasters should be part of any campaigner's policy," he wrote in a statement to BI.Both candidates have visited impacted areas, with Trump visiting Georgia on September 30 and <a target="_blank" href="https://www.businessinsider.com/kamala-harris-donald-trump-crises-middle-east-strike-hurricane-election-2024-10">Harris on October 2</a>. Republicans criticized Harris for attending a fundraising event in California when Helene struck, while she maintained that politicians should stay out of the most devastated areas as first responders begin their early work.In the days since Hurricane Helene, Trump has spread misinformation about the storm and response efforts, prompting the Federal Emergency Management Agency to publish a fact-checking page. <a target="_blank" href="https://www.businessinsider.com/hurricane-helene-relief-disinformation-misinformation-north-carolina-democrats-republicans-2024-10">Democrats and Republicans alike</a> say that the baseless claims are complicating <a target="_blank" href="https://www.businessinsider.com/donald-trump-elon-musk-starlink-hurricane-helene-fema-2024-9">clean-up efforts</a>, and Harris has put out a digital ad slamming his former disaster relief. When he was president, Trump responded to several hurricanes. As with Hurricane Helene, he <a target="_blank" class="" href="https://www.vox.com/politics/376982/trump-hurricane-helene-fema-lies-debunked">publicized</a> misinformation. When Hurricane Dorian threatened Georgia, South Carolina, and North Carolina, he incorrectly said that its path included Alabama as well. During a briefing in the Oval Office, he showed a map of the hurricane's path that included a Sharpie mark extending the storm's reach to Alabama. Trump also falsely claimed that the death toll from Hurricane Maria in 2017 was overblown, the <a target="_blank" href="https://www.washingtonpost.com/politics/2024/10/08/trump-hurricane-helene-natural-disasters/">Washington Post reported</a>.The former president occasionally threatened to hold back disaster funding over political spats. In 2020, for example, he floated withholding money from flood-ravaged Michigan because he was frustrated with absentee voting procedures in the state."A charitable interpretation would be mixed on crisis management," Birkland told BI about Trump's past responses to natural disasters. Kneeland said that storm victims and disaster experts largely criticized his handling of Hurricane Maria.During his time in office, Trump's administration rolled back more than 125 environmental rules, the <a target="_blank" href="https://www.nytimes.com/interactive/2020/climate/trump-environment-rollbacks-list.html">Washington Post</a> found, with a big focus on deregulating the fossil fuel industry. Trump's campaign has, according to Birkland, "been pretty clear that it disdains alternative fuels."Harris doesn't have a presidential record to back up her approach to disaster relief, but Birkland anticipates she'd take a relatively similar approach to President Joe Biden.As attorney general, Harris prosecuted oil companies that broke environmental rules. During her tenure as vice president, she voted for the Inflation Reduction Act, which devoted $370 billion to reducing greenhouse gas emissions.But both Birkland and Kneeland told BI that Harris has become less aggressive about addressing climate change this election, likely in an attempt to court more moderate voters."Harris' position is a little murkier," Birkland said. "Harris has been clear that we should be doing things like alternative energy, but also supports, as of recent months, continued fossil fuel production. So it's kind of a both-and strategy."Presidents are somewhat limited in their disaster responses — both Kneeland and Birkland told BI that states and local governments lead disaster responses, with the federal government's assistance."Even when FEMA is on the ground they must work within the structure of existing state and local government," Kneeland said in his written statement. The responsibility is, he said, layered throughout the government.Regardless, all eyes are on how Harris and Trump respond to the twin storms — and the outcome of the election could theoretically hang in the balance. Kneeland said that disaster response can either greatly boost or doom an incumbent, pointing to instances as varied as Hurricane Betsey in 1965, Hurricane Andrew in 1992, and Hurricane Katrina in 2005.Though Birkland doesn't anticipate that the hurricanes will sway many voters, he said that even a small impact in swing states could matter."I think most people's minds are made up. I think that you're really dealing with the margins," he said. "On the other hand, this election is going to be won or lost on the margins, so that matters."

Hurricanes are taking the election by storm. Here's where Harris and Trump stand on natural disaster policies.

<ul class="summary-list"><li>The Harris-Walz campaign launched a Fortnite map to engage young male voters.</li><li>The map, Freedom Town, USA, focuses on affordable housing and Harris' proposed policies.</li></ul>Welcome to <a target="_blank" class="" href="https://kamalaharris.com/fortnite/">Freedom Town, USA</a>, a Fortnite world created by the Harris-Walz campaign.On Monday, a new colorful world appeared in the video game Fortnite. It's littered with Easter eggs for Harris-Walz devotees: You can pick up sporting goods at <a target="_blank" class="" href="https://www.businessinsider.com/tim-walz-coach-kamala-harris-first-rally-2024-8">Coach Walz's</a> store, for instance, or head to <a target="_blank" class="" href="https://www.businessinsider.com/doug-emhoff-tim-walz-on-sidelines-kamala-harris-dnc-strategy-2024-8">Doug's Deli</a> for lunch. Slipped in between are details on some of the Harris campaign's main policy proposals.It's a move to reach the <a target="_blank" class="" href="https://www.businessinsider.com/porn-website-advertisement-project2025-male-harris-trump-2024-10">key young male</a> voters that <a target="_blank" class="" href="https://www.businessinsider.com/harris-campaign-sends-tim-walz-to-court-millennial-male-voters-2024-10">Harris would need</a> to carve out a path toward winning the election. Some of those avid gamers are eligible to vote this year. A <a target="_blank" href="https://today.yougov.com/topics/overview/survey-results/daily/2019/07/26/59418/2">2019 YouGov survey</a> of 1,570 US adults found that 22% of adults ages 18 to 24 had played Fortnite before; 82% of male Gen Zers play an hour plus of video games a week, per a survey of 5,000 Americans by the <a target="_blank" href="https://www.theesa.com/wp-content/uploads/2024/05/Essential-Facts-2024-FINAL.pdf">Entertainment Software Association</a> via YouGov.I took a trip to Freedom Town, USA, and spent the day observing and attempting to talk to players. Spoiler: There weren't very many, and a lot of them seemed to be children. Here's what I saw and learned.<h2 id="be1f2591-2a6b-4d46-8503-1a2602269832">Details on policy positions hidden inside a mission to build housing</h2>Getting to the map itself proved a challenge for a first-timer like me, as it's not part of the game's default and wildly popular multiplayer combat mode. A true Fortnite aficionado would've known how to use the access code online to find Freedom Town, but it took me a few minutes to track it down.When I finally arrived in Harris' Fortnite world, I was plopped into a train station that resembles the New York City subway or DC Metro.My mission: Use Harris' <a target="_blank" class="" href="https://www.businessinsider.com/kamala-harris-small-businesses-tax-breaks-cut-red-tape-2024-9">proposed $50,000 tax break</a> for small businesses to acquire building supplies to assemble new affordable housing.As I went about my tasks, I noticed the map was also very public transit-oriented, from the subway station to buses dotting almost every corner.For a Fortnite first-timer like me, the game was relatively easy to pick up, although I found myself floundering in mini-games meant to help me collect construction tools.At its peak, I saw around 180 other gamers present on the map with me. They seemed to be notably younger. One player who remained unmuted appeared to be a coughing child.To get a real gamer's perspective, I spoke to a 23-year-old in Ohio who had been exploring the world with her boyfriend.Lauren Obanion, a loyal Fortnite user in recent months, heard about Freedom Town, USA, from her mom. She thinks the map could make a real difference, especially because she said some gamers may not be in touch with policies. Small title cards for different quests discussed Harris' policies fairly in-depth — one of the first things you see upon entering the map is a quest invitation that tells you about the $50,000 tax credit for small businesses."It's nice for them to put something in a game so people can be interested and then want to do research outside of it," she said.So far, Freedom Town hasn't taken off; according to third party player statistics tracker Fortnite.GG, the <a target="_blank" class="" href="https://fortnite.gg/island?code=7331-5536-6547">Freedom Town map</a> saw an all-time and 24-hour peak of 563 users. That's a tiny fraction of the 24-hour peak of 267,000 players on the main <a target="_blank" class="" href="https://fortnite.gg/island?code=set_br_playlists">Battle Royale map</a>.But for some users, the message is still getting across. Obanion said her boyfriend is an example of a gamer who is interested in reading about some of her platforms as he built houses."I think it's good to try and reach out to the younger demographic," she said, "because otherwise a lot of people who don't get off Fortnite probably haven't seen anything."Ultimately, while I was not good at any of the mini-games — and didn't end up getting most of the construction supplies — I still did have a good time. I can understand how some gamers can get lost in the world of Fortnite for hours, but I have my doubts Freedom Town, USA, will impact the election very much.

You Searched For "Public Policy" and got 4 results

RBI to set up public repository of digital lending apps to check unauthorised players

PTI

Why some CEOs are afraid of publicly criticizing Trump

Bryan Metzger

Hurricanes are taking the election by storm. Here's where Harris and Trump stand on natural disaster policies.

Alice Tecotzky

I spent a day in Kamala Harris' Fortnite town. It was full of policy details meant to reach young voters, but was mostly empty.

Juliana Kaplan

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