Author: Dvara Research

Despite significant policy support for financial inclusion, there is little evidence about what has been achieved by way of knowing which households and individuals are financially included, or what is the impact of such inclusion on these persons.

Low-income households seek loans often, but credit is suitable if it helps sustain or improve financial well-being. This is what must be ensured by lenders, regulators & policymakers.

The Inclusive Finance India Report is a comprehensive and well-researched account on cumulative progress made in India toward reaching the ambitious goal of universal financial inclusion.

Tremendous efforts have gone into creating new authoritiessuch as the Central Consumer Protection Authority.

Low-income households work with irregular income inflows, resulting in shrinking financial planning horizon and necessitating frequent decisions in response to frequent changes.

In this post, we present our findings from our literature review based on which we conducted the behavioural study.

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.

‘JAM’ trinity facilitates direct benefit transfers of welfare subsidies into bank accounts of poor, but teething issues have kept the programme from realising its true potential.