Independent Research and Policy Advocacy

Publications

Research Papers

Research Paper or Working Paper is the culmination of a research process and critical thinking. Here, we present our findings of primary research, surveys, and/or literature review in a format that is mostly found in academic papers. These may take us several months to produce and may involve a slow pace and deliberate reflection by the researchers.

Our Work

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 19, 2021 | Dvara Research

In this paper, we document the growing informalization of India’s labour force, and the consequences of this phenomenon for the state of social protection in India

By Hasna Ashraf, Dr. Indradeep Ghosh, Aarushi Gupta, Rakshith S. Ponnathpur, Monami Dasgupta, Anupama Kumar, Nishanth Kumar
April 15, 2021 | Dvara Research

In this paper, we assess the public disclosure regime of the Indian banking sector & provide our recommendations that RBI can consider implementing to enhance the transparency of disclosures

By Amulya Neelam, Sowmini G Prasad, Madhu Srinivas
March 24, 2021 | Dvara Research

Non-Banking Finance Companies (NBFCs) play a critical role in the credit ecosystem by acting as last-mile financiers for the unbanked and underserved segments of the Indian economy,

February 18, 2021 | Dvara Research

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a health insurance/ assurance scheme which was launched by the Government of India (GoI) in September 2018. It is the second component under Ayushman Bharat; a scheme envisioned to achieve Universal Health Coverage (UHC) in India.

February 4, 2021 | Dvara Research

This paper report results from an experimental study that examines the impact of information disclosure on consumers’ purchase decision of a high-risk financial product

By Misha Sharma, Madhu Srinivas, Monami Dasgupta, Monika Halan
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
November 26, 2020 | Dvara Research

In this note, we review the current status of ESIS and consider pathways through which ESIS can more effectively deliver the promised services and benefits to its beneficiaries.

November 18, 2020 | Dvara Research

This paper seeks to understand the role of the Indian Central Bank in regulating information flows through Account Aggregators. These are licensed entities exclusively dedicated to collecting, retrieving and sharing customers’ financial information with other financial entities with the customers’ consent.

October 15, 2020 | Dvara Research

This note was first published as a part of session 2 of the four-part webinar series hosted by Dvara Research and IndiaSpend.