Publication: Dvara Research

Life insurance is an important financial tool that allows households to manage financial risks arising from the death of an earning member.

Life insurance is an important financial tool that allows households to manage financial risks arising from the death of an earning member. Yet, in 2019, life insurance penetration (percentage of insurance premiums to GDP) was only 2.82%.[1] While 38.3% of Indian households reported having a life insurance product as on September 2021[2], life insurance covered only […]

Colombia’s healthcare domain, like many other sectors in the country, was completely overhauled as part of the country’s sweeping reforms that followed the adoption of a new Constitution in 1991.

In this study, we conduct a quantitative analysis of household finance data to understand the status of health insurance ownership in India, identify the determinants of health insurance ownership, and understand the relationship between households’ access to health insurance and their health expenditure.

In this paper, we characterise the National Health Insurance system of Israel, its universal public healthcare system, as one which has adopted managed competition and achieved remarkable outcomes. We place the establishment of the system in the country’s political-economic context to determine the role of the structural factors in shaping health policy in the country.

Buy Now, Pay Later (BNPL) products have become one of the popular modes for customers to finance their retail purchases. BNPL products are being postured as challengers to credit cards that can make credit more accessible to customers at little to no cost.

In this post, we find that the distribution of net worth is skewed as there is a higher concentration of households with lower levels of net worth. It is also seen that households better integrated in the formal financial system enjoy a higher net worth compared to households that are not.

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.

Our recently concluded State of Exclusion study finds that payment failures during the back-end processing of a Direct Benefit Transfer (DBT) payment are a significant concern. In this blog piece, we highlight the broad takeaways to help the reader better understand the landscape of payment failures.We also set out some broad recommendations to be taken into consideration by the National Payments Corporation of India (NPCI) to improve the chances of a successful DBT payment.

The Microfinance sector is gearing up for change as the recent RBI (Regulatory
Framework for Microfinance Loans) Directions, 2022 has put in place comprehensive
regulations to ensure customer protection