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

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

By Anubhutie Singh, Malavika Raghavan
January 6, 2020 | Dvara Research

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

By Anubhutie Singh, Malavika Raghavan
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.

By Anubhutie Singh, Malavika Raghavan
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.

By Malavika Raghavan, Anubhutie Singh
December 14, 2019 | NDTV Profit

Our society operates on the basis of trust. We use this trust every day. To build friendships, to buy and sell things, to vote, to claim protection and benefits from the State when they are due.

December 2, 2019 | Dvara Research

Roundtable on Implementing India’s Personal Data Protection Bill

By The Future Of Finance Initiative
November 29, 2019 | ThePrint

India's financial sector has been a gung-ho adopter of technology. But design of technology and finance have hardly reflected users’ lived realities.

November 15, 2019 | Dvara Research

This paper presents ideas for a new approach to enforcement of a data protection regime, based on risk-based supervision and the use of a range of responsive enforcement tools that could be deployed in advance of a breach to prevent it, or after a breach to mitigate the effects.

October 29, 2019 | Dvara Research

Examining the definition and usage of the term “harm” in India’s draft Personal Data Protection Bill 2018.

By Srikara Prasad