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

May 15, 2023 | Dvara Research

This post presents design elements that providers can use to make the consent artefacts more effective for constrained users. These design recommendations emerge from the insights from an immersive behavioural field study we conducted with 60 constrained customers through a gamified simulation of an AA transaction.

By Srikara Prasad, Beni Chugh, Nishan Gantayat, Anushka Ashok
May 8, 2023 | Dvara Research

This blog post summarises key takeaways from a virtual workshop we recently hosted. It was conducted against the backdrop of a study that we recently concluded titled “Can information disclosures influence life insurance purchase decisions for low-income households?”.

April 13, 2023 | Dvara Research

In this blog, we propose a framework for evaluating agent success through a customer protection lens; this can potentially be deployed as a tool to determine agent success while also allowing stakeholders to identify context-specific levers to improve outcomes for the customer.

April 12, 2023 | Dvara Research

In a recent study to evaluate the effectiveness of consumer awareness campaigns relating to United Payment Interface(UPI) frauds, Dvara Research interviewed ~85 low-income, new-to-UPI users from metro cities and small towns.

By Shreya R
April 11, 2023 | Dvara Research

In this blog, we focus on the supply side of the equation, exploring the literature detailing the issues CICO agents face in offering uninterrupted CICO services. Agents who provide CICO services often encounter significant obstacles that hinder their capacity to assist customers effectively.

March 29, 2023 | Dvara Research

In this blog post, we collate evidence of the various reasons that prevent the BC network from offering access to reliable CICO services all over the country. We rely on a mix of evidence in the form of qualitative case studies, survey results, and secondary sources.

December 23, 2022 | Dvara Research

In this post, we present our findings from our literature review based on which we conducted the behavioural study.

By Beni Chugh, Srikara Prasad, Nishan Gantayat, Anushka Ashok
December 23, 2022 | Dvara Research

Dvara Research and Final Mile are collaborating on a behavioural science informed primary study to unpack the barriers that customers currently face in engaging with and understanding consent artefacts.

By Beni Chugh, Srikara Prasad
December 14, 2022 | Dvara Research

This study was conducted through a donation from WhatsApp Pay. All material created under this study is made available as a public good, accessible through this page.

By Dvara Research, Centre for Social and Behavioural Change, Ashoka University
July 20, 2022 | Dvara Research

In this post, we find that the distribution of net worth is skewed as there is a higher concentration of households with lower levels of net worth. It is also seen that households better integrated in the formal financial system enjoy a higher net worth compared to households that are not.

By Sahana Seetharaman, Shrey Tiwari