This report presents a brief synopsis of the methodology and anonymised findings.
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Research Report is an output that presents the findings of a research project. It is a written account of the research process that includes the research questions, methodology, results, and conclusions. Research reports may vary in length and complexity, depending on the purpose of the research and the intended audience. At Dvara Research, we write reports in a formal and objective style, and they are often used to communicate research findings to audiences who are non-academic, such as governments, policymakers, and other stakeholders.
This report presents a brief synopsis of the methodology and anonymised findings.
The study followed 293 women in rural Rajasthan over 6 months, documenting more than 135,000 financial transactions while introducing assisted access to a UPI-based mobile payments application through community-based women facilitators.
India’s financial inclusion story over the last decade has been remarkable, with dramatic expansion in account ownership and sustained growth in credit. Yet, evidence increasingly points towards a gap between access and impact as witnessed in high rates of dormant accounts and the ongoing NPA crisis in the microfinance industry.
The study was conducted in two contrasting geographic contexts of rural Punjab and urban Tamil Nadu, using qualitative research methods involving 30 WNEs.
The paper explores what RTAI means in the context of digital lending. The first section compiles principles of RTAI along with its essential components. The next section maps relevant tools for each principle. These tool recommendations can help lenders implement RTAI practices in their operations.
This Whitepaper unpacks what RTAI would mean in the context of digital lending. While the term Responsible AI has been adequately conceptualized in academia and elsewhere, it still needs to be coherently contextualized to specific domains.
Almost 65% of India’s population lives in its rural areas.1 India’s financial sector has seen unprecedented expansion, driven by policy initiatives, digital infrastructure and regulatory reforms. Initiatives like Pradhan Mantri Jan-Dhan Yojana (PMJDY), Aadhaar-linked banking, Unified Payments Interface (UPI) and digital lending have significantly improved access to financial services, particularly for underserved segments.
This study sought to understand the impact of the new regulations on the microfinance sector through the lens of different categories of stakeholders – customers, leadership at microfinance institutions (MFIs) and intermediating staff.
In this study, we focus on whether consumers use the grievance mechanisms provided in UPI apps in smartphones, and whether those mechanisms make for an easily navigable grievance redress journey ending in satisfactory resolution.
The white paper discusses a set of solutions for the ecosystem of actors to consider in tackling and curbing the illegitimate activity of scamsters and other fraudulent actors over the very popular Unified Payments Interface (UPI) of India.
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
