Our Policy Initiatives

Dvara Research houses four different initiatives that conduct transformative research into various aspects of financial inclusion and social protection: Financial Systems Design, Household Finance, Future of Finance Initiative, Social Protection Initiative. In November 2021, Dvara Research launched the Customer Protection Program under Center for Customer Protection.

Financial Systems Design

This initiative develops and disseminates financial systems designs focused on achieving both inclusion and stability. The research efforts here aim to facilitate a well-functioning financial system for India that is built on the three fundamental pillars of high-quality origination…

Household Finance

This initiative aims to rigorously understand and document the financial lives of low-income or excluded households. A fundamental principle that guides this initiative’s research efforts is the idea that a household is the key economic unit for policymakers, regulators…

Social Protection Initiative

This initiative studies and writes about the design and implementation of social protection in India. The core idea that informs this initiative’s research efforts is that India’s social protection system needs to be inclusive and citizen-centric from the conception of its social protection programs…

The Future of Finance Initiative

This initiative studies and writes about all aspects of digital finance and digital inclusion, with a particular focus on customer protection for low-income households and low- income women customers in the digital financial services domain.

Center for Customer Protection

This program focuses on solutions that speak to the changing landscape of issues pertaining to financial customer protection in India. It studies how institutional practices in customer protection can build trust and confidence to increase uptake and usage of formal financial products…

Independent Research and Policy Advocacy