Independent Research and Policy Advocacy

Policy Initiatives

The Future Of Finance Initiative

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. 

Beni Chugh Dvara

Beni Chugh

Head - Future of Finance

Manvi Khanna

Research Associate

Sarada Mahesh

Senior Research Associate

Our Work

July 1, 2021 | Dvara Research

We undertook a study of how digitisation through mobile phones plays out among women and In this brief, we present findings relevant to financial service providers

By Dr. Lina Sonne
June 15, 2021 | tandfonline

India’s post-GFC digital financial inclusion project has been conveyed by an officially constructed polysemic narrative that connotes three distinctive semantic fields: (a) post-colonial Indian developmental policies; (b) post-GFC financialising neoliberal financial inclusion programmes; and (c) traditional Hindu religious values of money and wealth

June 15, 2021 | Dvara Research

This paper provides a snapshot of the way digitisation through mobile phones plays out among women in India, based on a review of literature, semi-structured interviews

By Dr. Lina Sonne
April 26, 2021 | Dvara Research

This paper seeks to understand the nature of harm emerging from personal data processing activities and its impact on user protection. To this end, the paper analyses how personal data-related harms are unique and distinct from other kinds of harms arising from torts, breach of contract, crime or defects in products and services.

By Srikara Prasad
April 23, 2021 | Dvara Research

This paper examines the increasing use of dark patterns in digital interfaces and the concerns they raise for consumer protection

By Beni Chugh, Dvara Research, Pranjal Jain
February 13, 2021 | Dvara Research

An analysis of literature on the socio-economic implications of sharing privately held NPD and the objectives of other comparable frameworks suggests that the rationale for some of these goals are unclear. They do not take into consideration the complete economic and social merits and demerits of sharing privately held NPD.

By The Future Of Finance Initiative
February 13, 2021 | Dvara Research

In this blog post, we present our comments to the Report by the Committee of Experts on Non-Personal Data Governance Framework, December 2020

By The Future Of Finance Initiative
January 18, 2021 | Dvara Research

In this blog post, we summarise our comments to the Working Document: Enforcement Mechanisms for Responsible #AIforAll

By The Future Of Finance Initiative
January 18, 2021 | Dvara Research

This research note intends to offer a solution-oriented feedback to the Working Document: Enforcement Mechanisms for Responsible #AIforAll (Working Document) released by the NITI Aayog in November 2020.

By The Future Of Finance Initiative
December 17, 2020 | Dvara Research

Governments around the world are trying to build large data registries for effective delivery of a variety of public services. However, these efforts are often undermined due to serious concerns over privacy risks associated with collection and processing of personally identifiable information.

By Anubhutie Singh, Malavika Raghavan, Subodh Sharma, Prashant Agrawal, Subhashis Banerjee