Financial Customer Protection: An Interim Report of our work under the Centre for Customer Protection   Read More

Amulya Neelam

Senior Research Associate

Amulya is a Senior Research Associate in the Financial Systems Design initiative. Her research focuses on understanding and improving access to suitable financial services for all, especially low-income households. Her work aims to enable the creation of a regulatory framework that fosters both meaningful inclusion and financial stability.

Amulya holds a Master’s degree in Rural Management from the Institute of Rural Management, Anand. She also holds a dual degree from BITS Pilani with a Bachelor’s degree in Chemical Engineering and a Master’s degree in Mathematics. Previously, she served in a project management role with Tata Trusts in Odisha and has also gained experience in the field of education assessment.

Making UPI payments more customer-centric for new-to-UPI users

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

Figure 1: Sample characteristics of the Study | Illustration: Centre for Social and Behavioural Change

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.

Figure 2: Psychological variables tested in the Study