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

Research Associate

Manvi Khanna

Research Associate

Beni Chugh Dvara

Beni Chugh

Consultant

Our Work

April 13, 2020 | Dvara Research

Study on Artificial Intelligence in finance in India

By Anubhutie Singh, Srikara Prasad
March 12, 2020 | Dvara Research

In this Response, we present our comments on the RBI’s Draft Framework for Authorisation of a Pan-India New Umbrella Entity (NUE) for Retail Payment Systems (Reserve Bank of India, 2020) (hereafter ‘Draft Framework’). Our comments are organised into two sections. Section I recognises five overarching concerns (summarised below), which will seek to convey and substantiate the following feedback to the Draft Framework. 1. Clearer regulatory objectives must guide the vision and design for NUE.

By Beni Chugh, Srikara Prasad
March 12, 2020 | Dvara Research

Our response to RBI on draft New Umbrella Entity (NUE) framework

By Beni Chugh, Srikara Prasad, Madhu Srinivas, Mallika Sen
March 4, 2020 | Dvara Research

Comments on PDP 2019

By The Future Of Finance Initiative
March 4, 2020 | Dvara Research

Dvara Research is an independent Indian not-for-profit research institution guided by our mission of ensuring that every individual and every enterprise has complete access to financial services.

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

Comments on the Personal Data Protection Bill 2019 introduced in the Lok Sabha on 11 December 2019

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

In this document, we present our initial comments on the Personal Data Protection Bill 2019 (the Bill), introduced in the Lok Sabha in December 2019. This continues our engagement with the public consultation process on India’s new data protection regime since 2017.2 We welcome the introduction of the Bill in Parliament as an important development to take forward India’s journey towards an overarching data protection framework.

By The Future Of Finance Initiative
January 7, 2020 | Dvara Research

The second part of a two-part series that undertakes an analysis of the Account Aggregator system

January 6, 2020 | Dvara Research

The first part of a two-part series that undertakes an analysis of the Account Aggregator system

December 30, 2019 | Tech Law Forum

TLF is proud to bring you a two-part guest post authored by Ms. Malavika Raghavan, Head, Future of Finance Initiative and Ms. Anubhutie Singh, Policy Analyst, Future of Finance Initiative at Dvara Research.