Independent Research and Policy Advocacy

Rajesh Bansal

Rajesh Bansal Dvara Advisor

Rajesh Bansal is the Chief Executive Officer (CEO) of The Reserve Bank Innovation Hub. He is a highly regarded thought leader in the areas of digital financial services and digital infrastructure, Mr. Bansal has nearly three decades of global experience in designing digital IDs, electronic payment products, and cash transfers, to enable inclusive development in […]

Pawan Bakhshi

Pawan Bakhshi Dvara Advisor

Pawan Bakhshi is a Senior Program Officer (Financial Services for the Poor) at the India Country Office of the Bill & Melinda Gates Foundation. Prior to joining BMGF, he worked with MicroSave, Bharti Airtel and SingTel in the area of mobile commerce and digital financial services. At Bharti Airtel, he co-created India’s first mobile wallet […]

Michael Barr

Michael Barr Dvara Advisor

Professor Michael Barr is a professor of law and public policy, working on issues within domestic and international financial regulation. He served from 2009 to 2010 as the U.S. Department of the Treasury assistant secretary for financial institutions and was a key architect of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. […]

Malavika Raghavan

Malavika Raghavan Dvara Advisor

Malavika Raghavan is an independent lawyer and interdisciplinary researcher working on data protection & privacy, inclusion, technology and consumer protection in finance. She founded and led the Future of Finance Initiative for Dvara Research in partnership with the Gates Foundation from 2016 until 2020, anchoring its research agenda and policy advocacy on issues at the […]

Katharine Kemp

Katharine Kemp Dvara Advisor

Dr Katharine Kemp is a Lecturer at the Faculty of Law, UNSW Sydney. Katharine’s research focuses on competition law (particularly misuse of market power), consumer protection and data privacy in financial services regulation. She has published widely in these fields, including “Misuse of Market Power: Reform and Rationale” (Cambridge University Press, 2018), “Competition Law of […]

Deep Narayan Mukherjee

Deep Narayan Mukherjee Dvara Advisor

Deep Narayan Mukherjee is a domain expert and a practitioner in the field of financial risk management, with expertise in econometrics and AI/ML. He has around 20 years of experience in the financial risk and banking domains, having held positions in Fitch Ratings and American Express. He is currently an Associate Director of Risk Management […]

Alok Mittal

Alok Mittal Dvara Advisor

Alok Mittal is the CEO of Indifi, an online platform that connects lenders and borrowers to provide loans. He also set up Canaan Partners in India and co-founded He is currently a board member at Indian Angel Network and TiE Delhi.

Ajay Shah

Ajay Shah Dvara Advisor

Professor Ajay Shah is a Professor at the National Institute of Public Finance and Policy (NIPFP), Delhi, well-known for his pioneering work in capital markets and the financial services sector in India and his prolific writings on these subjects. Earlier he was a consultant at the Department of Economic Affairs, Ministry of Finance, New Delhi […]

Rafe Mazer

Rafe Mazer Dvara Advisor

Rafe Mazer is the Director of the Consumer Protection Research Initiative at Innovations for Poverty Action. The Initiative collaborates with policymakers, providers, and civil society to develop new methods for consumer protection policy development. Prior to joining IPA, Rafe worked for 10+ years to improve financial advice, pricing transparency, data protection, and competition. He has […]

Anna Wallace

Anna Wallace Dvara Advisor

Anna is the Senior Program Officer at the Bill and Melinda Gates Foundation. Her role is to leverage technology to enable financial regulators in managing the risks posed by emerging financial services models without impeding the innovation required to drive financial inclusion. Anna sits on boards for the Alliance for Innovative Regulation and FSD Kenya. […]