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.
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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.
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.
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.
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.
This blog post summarises literature regarding users who are most likely to face difficulties in using digital payments, and some design principles and best practices that could simplify digital payment interfaces.
Our recently concluded State of Exclusion study finds that payment failures during the back-end processing of a Direct Benefit Transfer (DBT) payment are a significant concern. In this blog piece, we highlight the broad takeaways to help the reader better understand the landscape of payment failures.We also set out some broad recommendations to be taken into consideration by the National Payments Corporation of India (NPCI) to improve the chances of a successful DBT payment.
This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.
On June 25, 2022, the XKDR Forum and Dvara Research Foundation will be hosting an all day workshop.
A comparison of household portfolios across two nationally representative survey highlights substantial differences in the ownership of financial assets, while similarities in the incidence of indebtedness.
In this series's of blog posts, we will provide challenges and gaps in the BoCW Act implementation and highlight the viewpoints of multiple stakeholders in the BoCW Act registration and service delivery.
The Centre for Customer Protection is announcing a call for proposals for the Voice of the Aggrieved Customer (VoAC) project, under the auspices of CPP. The Centre invites Consumer Groups, Self-Regulatory Organisations (SRO), industry associations, Financial Service Providers (FSPs) including digital FSPs, DFS agents and business correspondents, financial planners/advisors, investigative journalists, institutional and independent academicians, research institutions/think-tanks and scholars to submit proposals to document authentic experiences of customers, in the context of digital financial services and customer protection.
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.
