Nithya Subramanian
Nithya Subramanian, a deputy editor at Regulation Asia, has wide experience covering the financial sector in India and Singapore. She has written extensively about wealth management, capital markets and insurance sectors tracking policy and corporate developments. Researching and writing about the South Asian diaspora settled in Singapore and the region is another area of interest. She has a post-graduate degree in English literature. Reach out to her at nithya@regulationasia.com
Articles by Nithya Subramanian
Structural Regulation
Malaysia’s Consumer Credit Bill to Take Effect in Early 2026: CCOB
25/11/2025
The new bill will introduce licensing and stricter standards for non-bank lenders, including BNPL providers, as authorities move to curb unethical lending practices.
PEPs & Sanctions
Singapore Imposes Financial Sanctions on Four Israeli Settlers
24/11/2025
MAS directed all Singapore financial institutions to freeze assets and block transactions tied to four Israeli settlers.
Structural Regulation
Indonesia Moves to Operationalise Legal Framework for Trusts
24/11/2025
The Finance Ministry is preparing detailed rules to operationalise a 2023 law allowing trust structures, aiming to deepen the country’s financial markets.
Fraud, Scams & Cybercrime
BIS Paper Says Payment Pre-validation is Key to Reducing Fraud
24/11/2025
A BIS paper warns that global adoption of payment pre-validation remains slow despite its strong potential to cut errors and curb fraud in international transactions.
Liquidity Risk
Indonesia Injects Fresh Liquidity into Banks to Boost Lending
24/11/2025
The Finance Ministry says the extra funding, distributed to four lenders, is aimed at sustaining credit growth and cushioning economic pressures.
Credit Risk
AMRO Calls on Cambodia to Establish 'Bad Bank' AMC to Clean Up NPLs
24/11/2025
Report suggests that Cambodia should establish an AMC to take over bad loans from banks, similar to how many APAC jurisdictions handled NPLs during the Asian Financial Crisis.
Payments & Settlements
India’s NPCI Tightens Scrutiny of UPI Third-party Apps
23/11/2025
The UPI operator is raising compliance requirements for third-party apps amid concerns over governance lapses and rising regulatory scrutiny.
Payments & Settlements
RBI Extends Deadline for Realising Export Proceeds to 15 Months
23/11/2025
The RBI has eased export compliance rules by extending the period for realising export proceeds to 15 months and widening related time-limit extensions to three years.
Reporting & Disclosures
BNM Urges SMEs to Report Emissions, FIs to Provide Support
21/11/2025
BNM warns SMEs to meet rising sustainability disclosure demands, urging stronger support from financial institutions as global supply-chain standards shift.
Data Privacy
India Notifies Final Digital Personal Data Protection Rules
21/11/2025
India has notified the Digital Personal Data Protection Rules 2025, establishing detailed compliance obligations and strengthened privacy safeguards.
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