The Future of Finance Initiative housed at Dvara Research aims to identify and address new challenges for policy and regulation in India around customer protection, given the waves of digital innovation currently sweeping financial services.
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. Our research agenda is focussed on issues that impact particularly lower income individuals as a result of
Understanding new-to-UPI users’ experiences with UPI-based digital payment apps
December 16, 2022 | Dvara Research
Beni Chugh & Srikara Prasad
Protecting the users — what the primary aim of a personal data protection legislation should be
November 28, 2022 | The Print
Srikara Prasad & Beni Chugh
Data Protection Bill | Three changes that will sharpen draft Bill
November 21, 2022 | Moneycontrol
Beni Chugh
RBI must accommodate fintech innovations, not ban them
May 3, 2022 | Moneycontrol
Deepti George & Beni Chugh
Loan Rejection Rate for Women-run Business 2 Times Higher than Men. Formal Finance Bias Needs Fixing
March 8, 2022 | News18
Anubhutie Singh
A Primer on Competition in the Digital Economy
December 6, 2021 | Dvara Research
Sarah Stanley, Srikara Prasad, and Anubhutie Singh with inputs from Beni Chugh
10th Floor-Phase 1
IIT-Madras Research Park
Kanagam Village, Taramani
Chennai - 600 113. India
Copyrights 2022 Dvara Research. All rights reserved.
The Future of Finance Initiative housed at Dvara Research aims to identify and address new challenges for policy and regulation in India around customer protection, given the waves of digital innovation currently sweeping financial services.
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. Our research agenda is focussed on issues that impact particularly lower income individuals as a result of (1) the disintermediation of financial services, (2) the large scale investment in public infrastructure for digital finance and (3) the increased use of consumer data and analytics in finance.
Our April 2019 Conference on Regulating Data-Driven Finance unpacked these themes in more depth. Resources and primers detailing this research are available at the conference website here.
Through our research, we seek to ensure that regulation and policy develop in ways that support responsible innovation by existing and new institutions, such that they can deliver comprehensive access to financial services (payments, credit, insurance and investments), while not creating new systemic or customer protection risks in the process. Given the rapidly-changing technology & financial services landscape in India, big questions lie ahead for our efforts to build a vision of inclusive and suitable access to finance in the country:
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.
This survey helped understand
(i) users’ experiences with using DPAs, and
(ii) the effect of demographic variables (Figure 1) and psychological variables (Figure 2) on users’ adoption and usage of DPAs.