Independent Research and Policy Advocacy



We produce blogs to discuss new research findings, ongoing projects, and even personal reflections on the research process. Our blogs are written for a variety of audiences, including other researchers, policymakers, practitioners, financial service providers, grassroots organizations, impact investors and the public. The format is simple and easy to grasp. The language is straightforward, and the tone is non-academic. Our blogs can be of varying lengths. We choose to write a blog when we don’t want to do a full- fledged study or follow a rigorous research process. Blogs may contain opinions and they can also be based on experiences. Some of our blogs may just share some observations, learnings, or challenges.

Our Work

February 28, 2024 | Dvara Research

Consumer protection in financial services is a core component of Dvara Research’s mission, activities and its advocacy agenda. In this regard, I had the opportunity to participate at Consumers International’s Global Congress 2023, in Nairobi, Kenya, in December 2023.

February 1, 2024 | Dvara Research

There is consensus about the importance of financial inclusion. This has translated into efforts to increase the level of financial access from the financial sector firms as well as through policy initiatives. Among the financial sector initiatives, the most visible has been the growth of the FinTech platforms.

By Natasha D’cruze, Misha Sharma, Susan Thomas, Geetika Palta
January 19, 2024 | Dvara Research

In the following sections of this blog, we discuss the unique and complex financial lives of these households to set the context for product and process designs, delve into what a savings product for not just women but Low-Income Households (LIHs) in general could look like, and highlight some of the insights from various kinds of financial service providers on the challenges and opportunities in operationalising such a savings product for this segment. 

January 18, 2024 | Dvara Research

This blog is the first in our trust series where we study trust in digital financial services. This blog attempts to lay down the conceptual contours of trust.

January 15, 2024 | Dvara Research, Forbes India

A new paper by Anandi Mani et al in the August issue of Science has a stunning finding – that the cognitive impact of being poor may be equivalent to as much as 13 IQ points.

October 19, 2023 | Dvara Research

This blog is the first in our trust series where we study trust in digital financial services. This blog attempts to lay down the conceptual contours of trust.

August 24, 2023 | Dvara Research

Dvara Research, with the Data Security Council of India (DSCI), co-developed two privacy handbooks directed at FSPs in the insurance and banking sector. The handbooks help FSPs implement data protection in a customer-centric manner throughout the data lifecycle, including in legacy systems.

By Beni Chugh, Srikara Prasad, The Data Security Council of India
August 14, 2023 | Dvara Research

This blog is about a behavioural study conducted jointly by Dvara Research and Final Mile to uncover mental models that may nudge customers to disengage with consent screens.

By Finalmile, Dvara Research
July 28, 2023 | Dvara Research

These recommendations were submitted to the Independent Expert Group for Strengthening the Multilateral Development Banks, under the G20

May 29, 2023 | Dvara Research

When viewed from a consumer’s perspective, these challenges manifest at different stages of their journey with a health insurance program, beginning from the decision to enrol in a program and ending at the renewal stage. While tweaks to the design of the health insurance program or moving to a more integrated model of healthcare provision may help in this blog post, we explore the role that social capital can play in circumventing some of these challenges.