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. 

Anubhutie Singh Dvara

Anubhutie Singh

Research Associate

Hasna Ashraf Dvara

Hasna Ashraf

Senior Research Associate

Manvi Khanna

Research Associate

Beni Chugh Dvara

Beni Chugh

Consultant

Our Work

October 6, 2020 | Dvara Research

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

By The Future Of Finance Initiative
September 17, 2020 | The Economic Times

By Malavika Raghavan & Srikara PrasadOn August 30, Paytm Mall allegedly suffered a massive data breach after being targeted of a group of hackers. The allegations were made by Cyble, a US cyber-risk intelligence firm. These were immediately denied by Paytm Mall, which, in turn, threatened to take legal action against Cyble. Meanwhile, customers and vendors have no way of verifying whether a breach occurred, or if their data has been compromised,

By Malavika Raghavan, Srikara Prasad
August 10, 2020 | Dvara Research

In this data brief based on survey data received from CUTS, we present reflections to understand some of key questions.

July 22, 2020 | ET BFSI

The Reserve Bank of India (RBI) recently allowed financial institutions to on-board new customers using video-KYC.

By Srikara Prasad
July 21, 2020 | Dvara Research

We are launching an interactive website which presents our “mark – up” of India’s Personal Data Protection Bill, 2019.

By Srikara Prasad, Anubhutie Singh, Sarah Stanley, Malavika Raghavan
June 23, 2020 | Dvara Research

This blog post reviews the BIS paper, and offers some reflections and critiques based on the experience of these infrastructures in India.

By Sarah Stanley
June 3, 2020 | Dvara Research

In this document, we present our response to the White Paper on the Strategy for National Open Digital Ecosystems (the White Paper) released by the Ministry of Electronics and Information Technology (MeitY) in February 2020. We are deeply concerned that creating National Open Digital Ecosystems (NODEs) as envisioned in the White Paper could entrench existing problems with service delivery and hamper the growth of a free and fair digital economy.

By Srikara Prasad
June 3, 2020 | Dvara Research

In this blog post, we present our comments to the White Paper on Strategy for National Open Digital Ecosystems in response to the call for comments by MeitY

By The Future Of Finance Initiative, Team SPI
June 2, 2020 | Dvara Research

While phone access and ownership has been rising rapidly in India in recent years, women lag behind on access, usage and ownership of mobile phones across the world but especially in South Asia, including India.

By Dr. Lina Sonne
May 18, 2020 | Dvara Research

This policy brief identifies serious categories of transaction failures in the Aadhaar enabled Payment System or AePS in India together with solutions for urgent discussion