Dvara Research and Final Mile are collaborating on a behavioural science informed primary study to unpack the barriers that customers currently face in engaging with and understanding consent artefacts.
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The Future of Finance Initiative seeks to identify and address new challenges for policy and regulation in India given the waves of digital innovation currently sweeping financial services. Our work in this initiative studies the impacts of digitisation and technological innovation in Indian finance, leading from the consumer perspective on these issues.
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Dvara Research and Final Mile are collaborating on a behavioural science informed primary study to unpack the barriers that customers currently face in engaging with and understanding consent artefacts.
While the usage of UPI-based payments has been steadily increasing, the experiences of new-to-UPI users are relatively less examined.
This study was conducted through a donation from WhatsApp Pay. All material created under this study is made available as a public good, accessible through this page.
The latest iteration of India’s data protection legislation calls for a reminder of why the country needs a Personal Data Protection Bill and what would make it a good one.
Protecting citizens’ privacy is a pre-eminent mandate of any data protection regime. The Digital Personal Data Protection Bill appears to have departed farther away from that mandate
Digital payments are currently being envisioned as a gateway to financial inclusion for the poor and marginalised in India. In this article, Indradeep Ghosh, Executive Director, Dvara Research, examines the rationale for such a vision. He argues that the penetration of digital payments remains low for the poor and marginalised, partly because of unfavourable economics and partly because digital payments interfaces are not well designed to suit this segment. If India can overcome these two hurdles, then digital payments can indeed become more common among the poor and marginalised, and thereby catalyse much wider and deeper financial inclusion in India than has hitherto been possible.
This blog post summarises literature regarding users who are most likely to face difficulties in using digital payments, and some design principles and best practices that could simplify digital payment interfaces.
India’s Personal Data Protection Bill, 2019 (the Bill) was introduced in Parliament in December 2019, and is currently under consideration by a Joint Parliamentary Committee of MPs.
Even when women are not the primary borrowers of formal finance, studies note that they remain responsible for ensuring timely repayments.
Digital formal finance can potentially reduce the physical and social distance b .. Read more at: https://bfsi.economictimes.indiatimes.com/blog/making-digital-finance-work-for-women/90052605
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
