{"id":7,"date":"2023-07-10T11:54:31","date_gmt":"2023-07-10T11:54:31","guid":{"rendered":"https:\/\/dvararesearch.com\/centre-for-customer-protection\/?page_id=7"},"modified":"2026-01-27T08:03:42","modified_gmt":"2026-01-27T08:03:42","slug":"home","status":"publish","type":"page","link":"https:\/\/dvararesearch.com\/centre-for-customer-protection\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7\" class=\"elementor elementor-7\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32fe8e3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32fe8e3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div 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href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjEwMjkiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\"><path d=\"M4 9.3335H18.6667M4 16.0002H14.6667M4 22.6668H28\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2baf219 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2baf219\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-84ed632\" data-id=\"84ed632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95176d6 banner_head elementor-widget-laptop__width-initial elementor-widget elementor-widget-heading\" data-id=\"95176d6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 09-08-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">FINANCIAL \nCUSTOMER \nPROTECTION<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f4179 elementor-widget elementor-widget-heading\" data-id=\"a6f4179\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AN INTERIM REPORT OF OUR WORK UNDER THE CENTRE FOR CUSTOMER PROTECTION<br><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d66d0b0 elementor-widget elementor-widget-heading\" data-id=\"d66d0b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/Dvara_Research_30082023_V19.pdf\" target=\"_blank\"><u>Download PDF of the full report here<\/u><\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e04588e elementor-widget elementor-widget-text-editor\" data-id=\"e04588e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 09-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0996ab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0996ab0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5ff21c6 hov_icon\" data-id=\"5ff21c6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e99bf6 elementor-position-left elementor-widget__width-auto icon_list elementor-view-stacked elementor-vertical-align-middle elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"3e99bf6\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/css\/custom-widget-icon-box.min.css?ver=1691582275\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#letter\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M17.9318 2.82227C18.126 2.82227 18.2834 2.66491 18.2834 2.4707C18.2834 2.2765 18.126 2.11914 17.9318 2.11914H15.8809C15.6867 2.11914 15.5293 2.2765 15.5293 2.4707C15.5293 2.66491 15.6867 2.82227 15.8809 2.82227H17.9318Z\" fill=\"#4E1C04\"><\/path><path d=\"M14.123 3.87646C14.123 4.07067 14.2804 4.22803 14.4746 4.22803H17.9318C18.126 4.22803 18.2834 4.07067 18.2834 3.87646C18.2834 3.68226 18.126 3.5249 17.9318 3.5249H14.4746C14.2804 3.5249 14.123 3.68231 14.123 3.87646Z\" fill=\"#4E1C04\"><\/path><path d=\"M14.4746 5.63379H17.9318C18.126 5.63379 18.2834 5.47643 18.2834 5.28223C18.2834 5.08802 18.126 4.93066 17.9318 4.93066H14.4746C14.2804 4.93066 14.123 5.08802 14.123 5.28223C14.123 5.47643 14.2804 5.63379 14.4746 5.63379Z\" fill=\"#4E1C04\"><\/path><path d=\"M13.6225 8.44482C13.8167 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fill=\"#4E1C04\"><\/path><path d=\"M16.3825 20.2986C16.3541 20.3339 16.3064 20.3929 16.2882 20.4015C16.2881 20.4015 16.2851 20.4023 16.2774 20.4023C16.2706 20.4023 16.2674 20.4017 16.2672 20.4017V20.4017C16.2482 20.3927 16.2006 20.3338 16.1722 20.2986C16.0619 20.1621 15.8773 19.9336 15.5201 19.9336C15.1629 19.9336 14.9783 20.1621 14.868 20.2987C14.8396 20.3339 14.792 20.3929 14.7737 20.4015C14.7737 20.4015 14.7707 20.4023 14.763 20.4023C14.7563 20.4023 14.7531 20.4017 14.7528 20.4017C14.7339 20.3927 14.6863 20.3338 14.6579 20.2987C14.5476 20.1621 14.3631 19.9336 14.0059 19.9336C13.8117 19.9336 13.6543 20.091 13.6543 20.2852C13.6543 20.4794 13.8117 20.6367 14.0059 20.6367C14.0126 20.6367 14.0157 20.6373 14.016 20.6373C14.035 20.6464 14.0825 20.7052 14.1109 20.7404C14.2212 20.877 14.4058 21.1055 14.763 21.1055C15.1202 21.1055 15.3048 20.877 15.4151 20.7404C15.4435 20.7052 15.4911 20.6462 15.5094 20.6376C15.5094 20.6376 15.5124 20.6367 15.5201 20.6367C15.5279 20.6367 15.5304 20.6373 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20.3556H4.01758V0.887391C4.01758 0.785812 4.10026 0.703125 4.20184 0.703125H5.36565C5.55986 0.703125 5.71722 0.545766 5.71722 0.351562C5.71722 0.157359 5.55986 0 5.36565 0H4.20184C3.71252 0 3.31445 0.398062 3.31445 0.887391V20.7071C3.31445 20.7921 3.34516 20.8741 3.40098 20.9381L5.96443 23.8794C6.03123 23.956 6.12784 24 6.22947 24H19.7987C20.288 24 20.6861 23.6019 20.6861 23.1126V20.7173C20.686 20.5232 20.5286 20.3658 20.3345 20.3658ZM5.8779 21.0981V22.71L4.4388 21.0587H5.83853C5.86023 21.0587 5.8779 21.0764 5.8779 21.0981Z\" fill=\"#4E1C04\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#letter\" >\n\t\t\t\t\t\tExecutive Director\u2019s Message\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-842b965 elementor-position-left elementor-widget__width-auto icon_list elementor-view-stacked elementor-vertical-align-middle elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"842b965\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#Our\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M23.9849 8.95119C23.7412 5.21619 20.7412 2.20868 17.0062 1.95743C14.9324 1.81868 12.9449 2.50868 11.4187 3.90743C9.91492 5.28368 9.05242 7.15118 8.97742 9.18368L6.79867 12.9149C6.73117 13.0312 6.73117 13.1737 6.79867 13.2899C6.86617 13.4062 6.98992 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14.0664 10.7852C13.8527 10.6764 13.6389 10.5489 13.5452 10.3839C13.4814 10.2752 13.4552 10.1214 13.4664 9.93392C13.4814 9.62642 13.5939 9.32267 13.7777 9.07142ZM14.3477 8.57642C14.8164 8.33642 15.4089 8.34392 15.8702 8.59517C15.8814 8.60267 15.8927 8.60642 15.9002 8.61017C15.9002 8.61392 15.9002 8.62142 15.8964 8.62517C15.8252 8.86892 15.5964 8.97392 15.4652 9.01142C15.1727 9.10517 14.8314 9.05267 14.6177 8.88017C14.5089 8.79392 14.4189 8.68892 14.3477 8.56892V8.57642Z\" fill=\"#4E1C04\"><\/path><path d=\"M0.239746 10.8999L7.3632 8.15894L7.63245 8.85869L0.508996 11.5997L0.239746 10.8999Z\" fill=\"#4E1C04\"><\/path><path d=\"M0.242676 4.10107L0.511926 3.40132L7.63538 6.14229L7.36613 6.84204L0.242676 4.10107Z\" fill=\"#4E1C04\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#Our\" >\n\t\t\t\t\t\tOur Perspective\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d9a27b elementor-position-left elementor-widget__width-auto icon_list elementor-view-stacked elementor-vertical-align-middle elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"4d9a27b\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#Spotlight\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><g clip-path=\"url(#clip0_477_7109)\"><path d=\"M19.9481 11.4199L20.9101 9.01957C21.0586 8.64892 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8.05584C21.4976 6.65 20.7647 5.3531 19.788 4.2499C18.8113 3.14671 17.6127 2.26206 16.2707 1.65379C14.9287 1.04552 13.4734 0.727326 12 0.720001ZM12 20.9352C11.2106 20.9357 10.4241 20.8406 9.6576 20.652C9.59196 20.6315 9.52164 20.6315 9.456 20.652L3.2616 22.332L5.1816 18.492C5.21543 18.4235 5.22691 18.3462 5.21442 18.2708C5.20194 18.1954 5.16611 18.1259 5.112 18.072C3.52015 16.4759 2.53096 14.3772 2.31296 12.1335C2.09497 9.88981 2.66166 7.63995 3.91648 5.76723C5.1713 3.89452 7.03662 2.51481 9.19464 1.86319C11.3527 1.21156 13.6698 1.32833 15.7514 2.1936C17.833 3.05886 19.5502 4.6191 20.6104 6.60847C21.6706 8.59785 22.0082 10.8933 21.5658 13.1037C21.1233 15.3141 19.9282 17.3027 18.1839 18.7307C16.4397 20.1587 14.2543 20.9378 12 20.9352Z\" fill=\"#70300B\"><\/path><path d=\"M12.216 8.39999H11.784C11.3448 8.39999 10.9236 8.57446 10.613 8.88502C10.3025 9.19558 10.128 9.6168 10.128 10.056V17.0928C10.128 17.532 10.3025 17.9532 10.613 18.2638C10.9236 18.5743 11.3448 18.7488 11.784 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11.3448 7.69441 11.784 7.69441H12.216C12.6552 7.69441 13.0764 7.51994 13.387 7.20938C13.6975 6.89882 13.872 6.47761 13.872 6.03841V5.60641C13.872 5.38894 13.8292 5.1736 13.7459 4.97269C13.6627 4.77177 13.5407 4.58921 13.387 4.43544C13.2332 4.28167 13.0506 4.15969 12.8497 4.07646C12.6488 3.99324 12.4335 3.95041 12.216 3.95041ZM13.1448 6.03841C13.1423 6.2833 13.0434 6.51733 12.8695 6.68983C12.6957 6.86232 12.4609 6.95939 12.216 6.96001H11.784C11.5379 6.95938 11.302 6.86132 11.1279 6.68727C10.9539 6.51322 10.8558 6.27735 10.8552 6.03121V5.59921C10.8558 5.35307 10.9539 5.11719 11.1279 4.94315C11.302 4.7691 11.5379 4.67104 11.784 4.67041H12.216C12.4621 4.67104 12.698 4.7691 12.8721 4.94315C13.0461 5.11719 13.1442 5.35307 13.1448 5.59921V6.03841Z\" fill=\"#70300B\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a 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2.2675 23.1998 2.38039C23.1995 2.49057 23.1548 2.59596 23.0758 2.67277Z\" fill=\"#4E1C04\"><\/path><\/g><defs><clipPath id=\"clip0_477_7127\"><rect width=\"24\" height=\"24\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#Other\" >\n\t\t\t\t\t\tOther Projects\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4d2fce elementor-position-left elementor-widget__width-auto icon_list elementor-view-stacked elementor-vertical-align-middle elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"f4d2fce\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#About\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 0.720001C9.95163 0.720759 7.94844 1.32215 6.23836 2.44974C4.52828 3.57734 3.18638 5.18163 2.37874 7.06407C1.57111 8.9465 1.33319 11.0244 1.69444 13.0407C2.05569 15.057 3.00025 16.9231 4.4112 18.408L2.2512 22.7544C2.21945 22.8171 2.20663 22.8877 2.2143 22.9576C2.22197 23.0275 2.2498 23.0937 2.2944 23.148C2.32932 23.1891 2.3727 23.2222 2.42158 23.245C2.47045 23.2677 2.52368 23.2797 2.5776 23.28C2.6087 23.2835 2.6401 23.2835 2.6712 23.28L9.5808 21.3912C11.0161 21.7243 12.5055 21.7507 13.9517 21.4688C15.3979 21.1868 16.7683 20.6028 17.9734 19.755C19.1784 18.9071 20.191 17.8145 20.9449 16.5485C21.6987 15.2825 22.1769 13.8717 22.3482 12.4082C22.5194 10.9448 22.3799 9.46167 21.9388 8.05584C21.4976 6.65 20.7647 5.3531 19.788 4.2499C18.8113 3.14671 17.6127 2.26206 16.2707 1.65379C14.9287 1.04552 13.4734 0.727326 12 0.720001ZM12 20.9352C11.2106 20.9357 10.4241 20.8406 9.6576 20.652C9.59196 20.6315 9.52164 20.6315 9.456 20.652L3.2616 22.332L5.1816 18.492C5.21543 18.4235 5.22691 18.3462 5.21442 18.2708C5.20194 18.1954 5.16611 18.1259 5.112 18.072C3.52015 16.4759 2.53096 14.3772 2.31296 12.1335C2.09497 9.88981 2.66166 7.63995 3.91648 5.76723C5.1713 3.89452 7.03662 2.51481 9.19464 1.86319C11.3527 1.21156 13.6698 1.32833 15.7514 2.1936C17.833 3.05886 19.5502 4.6191 20.6104 6.60847C21.6706 8.59785 22.0082 10.8933 21.5658 13.1037C21.1233 15.3141 19.9282 17.3027 18.1839 18.7307C16.4397 20.1587 14.2543 20.9378 12 20.9352Z\" fill=\"#70300B\"><\/path><path d=\"M12.216 8.39999H11.784C11.3448 8.39999 10.9236 8.57446 10.613 8.88502C10.3025 9.19558 10.128 9.6168 10.128 10.056V17.0928C10.128 17.532 10.3025 17.9532 10.613 18.2638C10.9236 18.5743 11.3448 18.7488 11.784 18.7488H12.216C12.6552 18.7488 13.0764 18.5743 13.387 18.2638C13.6975 17.9532 13.872 17.532 13.872 17.0928V10.0536C13.8714 9.61481 13.6966 9.19422 13.3861 8.88418C13.0756 8.57413 12.6548 8.39999 12.216 8.39999ZM13.1448 17.0952C13.1442 17.3413 13.0461 17.5772 12.8721 17.7513C12.698 17.9253 12.4621 18.0234 12.216 18.024H11.784C11.5379 18.0234 11.302 17.9253 11.1279 17.7513C10.9539 17.5772 10.8558 17.3413 10.8552 17.0952V10.0536C10.8549 9.93131 10.8786 9.81016 10.9252 9.69706C10.9717 9.58396 11.04 9.48113 11.1262 9.39443C11.2125 9.30774 11.315 9.23888 11.4278 9.1918C11.5407 9.14471 11.6617 9.12031 11.784 9.11999H12.216C12.4621 9.12063 12.698 9.21869 12.8721 9.39273C13.0461 9.56678 13.1442 9.80266 13.1448 10.0488V17.0952Z\" fill=\"#70300B\"><\/path><path d=\"M12.216 3.95041H11.784C11.3448 3.95041 10.9236 4.12488 10.613 4.43544C10.3025 4.746 10.128 5.16721 10.128 5.60641V6.03841C10.128 6.25588 10.1708 6.47122 10.254 6.67213C10.3373 6.87305 10.4592 7.0556 10.613 7.20938C10.9236 7.51994 11.3448 7.69441 11.784 7.69441H12.216C12.6552 7.69441 13.0764 7.51994 13.387 7.20938C13.6975 6.89882 13.872 6.47761 13.872 6.03841V5.60641C13.872 5.38894 13.8292 5.1736 13.7459 4.97269C13.6627 4.77177 13.5407 4.58921 13.387 4.43544C13.2332 4.28167 13.0506 4.15969 12.8497 4.07646C12.6488 3.99324 12.4335 3.95041 12.216 3.95041ZM13.1448 6.03841C13.1423 6.2833 13.0434 6.51733 12.8695 6.68983C12.6957 6.86232 12.4609 6.95939 12.216 6.96001H11.784C11.5379 6.95938 11.302 6.86132 11.1279 6.68727C10.9539 6.51322 10.8558 6.27735 10.8552 6.03121V5.59921C10.8558 5.35307 10.9539 5.11719 11.1279 4.94315C11.302 4.7691 11.5379 4.67104 11.784 4.67041H12.216C12.4621 4.67104 12.698 4.7691 12.8721 4.94315C13.0461 5.11719 13.1442 5.35307 13.1448 5.59921V6.03841Z\" fill=\"#70300B\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/#About\" >\n\t\t\t\t\t\tAbout Dvara Research\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3396fa1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3396fa1\" data-element_type=\"section\" id=\"acknowledgements\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd8cce8\" data-id=\"cd8cce8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43b6213 elementor-widget elementor-widget-heading\" data-id=\"43b6213\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ACKNOWLEDGEMENTS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81321cc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"81321cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We are grateful to the Bill and Melinda Gates Foundation for entrusting us with a grant under the Customer Protection Program housed at Dvara Research. We thank our advisors for the Program &#8211; Anna Wallace, Bindu Ananth, Rafe Mazer and Rajesh Bansal.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3410e3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d3410e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We thank the several industry experts and our technical, knowledge and implementation partners with whom we are working to solve pressing customer protection problems and from whom we are learning about the challenges faced by customers of financial services in India.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f507f97 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f507f97\" data-element_type=\"section\" id=\"letter\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a65c7b\" data-id=\"3a65c7b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2e6e0db elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e6e0db\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-220edb0 side_icon\" data-id=\"220edb0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8df830d\" data-id=\"8df830d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90b6de0 elementor-widget elementor-widget-heading\" data-id=\"90b6de0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Executive Director\u2019s Message<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95d6ebc elementor-arrows-position-outside elementor--h-position-center elementor-widget elementor-widget-slides\" data-id=\"95d6ebc\" data-element_type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;arrows&quot;,&quot;transition_speed&quot;:50,&quot;transition&quot;:&quot;slide&quot;}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.elementor-slides .swiper-slide-bg{background-size:cover;background-position:50%;background-repeat:no-repeat;min-width:100%;min-height:100%}.elementor-slides .swiper-slide-inner{background-repeat:no-repeat;background-position:50%;position:absolute;top:0;left:0;bottom:0;right:0;padding:50px;margin:auto}.elementor-slides .swiper-slide-inner,.elementor-slides .swiper-slide-inner:hover{color:#fff;display:flex}.elementor-slides .swiper-slide-inner .elementor-background-overlay{position:absolute;z-index:0;top:0;bottom:0;left:0;right:0}.elementor-slides .swiper-slide-inner .elementor-slide-content{position:relative;z-index:1;width:100%}.elementor-slides .swiper-slide-inner .elementor-slide-heading{font-size:35px;font-weight:700;line-height:1}.elementor-slides .swiper-slide-inner .elementor-slide-description{font-size:17px;line-height:1.4}.elementor-slides .swiper-slide-inner .elementor-slide-description:not(:last-child),.elementor-slides .swiper-slide-inner .elementor-slide-heading:not(:last-child){margin-bottom:30px}.elementor-slides .swiper-slide-inner .elementor-slide-button{border:2px solid #fff;color:#fff;background:transparent;display:inline-block}.elementor-slides .swiper-slide-inner .elementor-slide-button,.elementor-slides .swiper-slide-inner .elementor-slide-button:hover{background:transparent;color:inherit;text-decoration:none}.elementor--v-position-top .swiper-slide-inner{align-items:flex-start}.elementor--v-position-bottom .swiper-slide-inner{align-items:flex-end}.elementor--v-position-middle .swiper-slide-inner{align-items:center}.elementor--h-position-left .swiper-slide-inner{justify-content:flex-start}.elementor--h-position-right .swiper-slide-inner{justify-content:flex-end}.elementor--h-position-center .swiper-slide-inner{justify-content:center}body.rtl .elementor-widget-slides .elementor-swiper-button-next{left:10px;right:auto}body.rtl .elementor-widget-slides .elementor-swiper-button-prev{right:10px;left:auto}.elementor-slides-wrapper div:not(.swiper-slide)>.swiper-slide-inner{display:none}@media (max-width:767px){.elementor-slides .swiper-slide-inner{padding:30px}.elementor-slides .swiper-slide-inner .elementor-slide-heading{font-size:23px;line-height:1;margin-bottom:15px}.elementor-slides .swiper-slide-inner .elementor-slide-description{font-size:13px;line-height:1.4;margin-bottom:15px}}<\/style>\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-9b5b057 swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">Dear Readers,\n<br><br>\nDvara Research considers itself to be the voice of low-income households. This has been our mission for 15 years now, and during this time, we have built a strong and credible reputation in research and advocacy positions relating to financial inclusion and financial customer protection. We have worked hard to deliver thinking of the highest quality in these two domains using a systematic and multi-pronged approach. It is this approach and its impact that I would like to call your attention to, as you read this report, whose intent is to showcase our work on financial customer protection.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-9eaa7cb swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">Research institutions like ours strive to \nsupport policy makers in their work. We share their concern for low-income households, and it motivates us to provide them with the information and analysis they need to make policy decisions. We commend India\u2019s government and her regulators for envisioning a robust digital public infrastructure for \nher citizens. \n<br><br>\nWe recognise that policy making has played a crucial role in enhancing and expanding the access to financial services for low-income households. We also appreciate the enthusiasm \nwith which financial service providers have innovated to accomplish the vision of policy makers.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-262fbc6 swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">Past developments in this space such \nas no-frills bank accounts, a widespread agent network for last-mile cash-out access and an advanced digital payments infrastructure are \nfast enabling digital peer-to-peer transactions at scale. We do believe that the growth of digital financial services have a positive impact \non the Indian economy, and we consider ourselves fortunate to be a part of this digital journey.\n<br><br>\nIn our work, we listen intently to government officials and regulators on issues they worry about, and we focus our efforts towards helping them deliver on their mandates for consumer \nwelfare. <\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-8210aa0 swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">We employ a variety of approaches, \nincluding one-on-one meetings, stakeholder conversations, participation in various fora, and \nthe continual finetuning and updating of our work priorities and commitments to reflect the \nmost pressing needs of low-income financial services\u2019 customers and the most impactful directions for solution-discovery. \n<br><br>\nWe publish our thinking in a variety of formats, such as blogs, reports, opinion pieces and journal articles, that we make available to all stakeholders in the industry and policy-advocacy networks. In doing so, we seek to \ncommunicate to stakeholders the tremendous importance of customer protection as an integral and constitutive feature of meaningful \nfinancial inclusion.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-ac8c95c swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">That our contributions are valuable in this regard is evidenced by the recognition we have received from well-established domestic and \ninternational organisations in the development and financial inclusion domains, ranging from multilateral agencies, non-government \nthinktanks, private funders and donors, \nconsumer advocacy organisations, as well as researchers and public intellectuals. We have earned the trust and respect of these stakeholders as the go-to experts in financial \ncustomer protection. We are invited to \nmany fora to bring views from the customer protection lens, but more importantly we are also helping to create and expand the number \nof fora where financial customer protection gets its rightful place as an important theme in the larger narrative, so that the quality of discussions that ensue at those venues is thereby deepened. <\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-95a2aa1 swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">We also bring in a focus on customer protection by giving it a seat at the table when we are consulted on various themes by external stakeholders, be it by researchers looking to understand the nature of problems that low-income customers face, or consumer behaviour specialists operating in the private fintech, payments and banking sectors, or members of industry bodies, financial service providers, regulators, and others. \n<br><br>\nThrough a carefully chosen portfolio of \nimpactful action-research and solution-testing, we will continue to bring our repertoire of skills and strategies to bear in raising the bar for customer protection in the financial inclusion \ndomain. <\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-5313074 swiper-slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">We are keen to engage far more with \nfinancial service providers to help them achieve customer safety and satisfaction, as our insights can help providers in fuelling innovative product \ndesign and delivery. In all its research efforts, Dvara Research strives always to maintain an independent voice that speaks for the low-income household and \nhousehold enterprise, and its ability to perform this function is significantly enhanced by its commitment to disseminate as a pure public good all the intellectual capital that it creates. \n<br><br>\nSincerely,\n<br>\n\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/IG-Sign-bg.png\" alt=\"IG \" width=\"100\" height=\"100\"><\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Previous slide<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Next slide<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b3f7189\" data-id=\"b3f7189\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2884ecb elementor-widget elementor-widget-image\" data-id=\"2884ecb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"462\" height=\"370\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/image-005-1.png\" class=\"attachment-large size-large wp-image-69\" alt=\"Caption Text\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/image-005-1.png 462w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/image-005-1-300x240.png 300w\" sizes=\"auto, (max-width: 462px) 100vw, 462px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Dr. Indradeep Ghosh<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e86bd2d elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e86bd2d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-139859a\" data-id=\"139859a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ffa31d1\" data-id=\"ffa31d1\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54e6aab elementor-widget elementor-widget-image\" data-id=\"54e6aab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"70\" height=\"54\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Vector-3.png\" class=\"attachment-large size-large wp-image-790\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a103e1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7a103e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dvara Research considers itself to be the voice of low-income households. This has been our mission for 15 years now, and during this time, we have built a strong and credible reputation in research and advocacy positions relating to financial inclusion and financial customer protection.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-110f3ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"110f3ce\" data-element_type=\"section\" id=\"Advisors\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b577306\" data-id=\"b577306\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fe4960b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe4960b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d7af437\" data-id=\"d7af437\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-898d6e9\" data-id=\"898d6e9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70df79a elementor-widget elementor-widget-heading\" data-id=\"70df79a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Advisors <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-03473dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03473dd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-ee21f0a\" data-id=\"ee21f0a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-2bf0938\" data-id=\"2bf0938\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a88f2ed elementor-widget elementor-widget-image\" data-id=\"a88f2ed\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM3MTUiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/1.png\" class=\"attachment-full size-full wp-image-3558\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/1.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/1-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/1-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Anna Wallace<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-f4062ee\" data-id=\"f4062ee\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2f885d elementor-widget elementor-widget-image\" data-id=\"b2f885d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM3MzAiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/4.png\" class=\"attachment-full size-full wp-image-3557\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/4.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/4-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/4-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Bindu Ananth<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-c85bb91\" data-id=\"c85bb91\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b4404e elementor-widget elementor-widget-image\" data-id=\"0b4404e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM3MzciLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/3.png\" class=\"attachment-full size-full wp-image-3556\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/3.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/3-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/3-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Rafe Mazer<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-dd3c743\" data-id=\"dd3c743\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61aa8d6 elementor-widget elementor-widget-image\" data-id=\"61aa8d6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjM3NDAiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/2.png\" class=\"attachment-full size-full wp-image-3555\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/2.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/2-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/2-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Rajesh Bansal<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f075b92 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f075b92\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b4aca76\" data-id=\"b4aca76\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b3ca4b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b3ca4b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-be0fbc2\" data-id=\"be0fbc2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6e1f479\" data-id=\"6e1f479\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ddc377 elementor-widget elementor-widget-heading\" data-id=\"6ddc377\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Consultants<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-aefa5b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aefa5b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-d8666e3\" data-id=\"d8666e3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-f355cf0\" data-id=\"f355cf0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc5dc9c elementor-widget elementor-widget-image\" data-id=\"cc5dc9c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQ1NDQiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/2.png\" class=\"attachment-full size-full wp-image-4562\" alt=\"Patricia de Jonge\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/2.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/2-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/2-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Patricia de Jonge<br>Former Consultant<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-7486409\" data-id=\"7486409\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1a495f elementor-widget elementor-widget-image\" data-id=\"a1a495f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQ1NDciLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/1.png\" class=\"attachment-full size-full wp-image-4561\" alt=\"Paul Adams\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/1.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/1-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/10\/1-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Paul Adams<br>Former Consultant<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-6929a48\" data-id=\"6929a48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17d773a elementor-widget elementor-widget-image\" data-id=\"17d773a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQ3NTIiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2026\/01\/jhvuyou.png\" class=\"attachment-full size-full wp-image-4759\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2026\/01\/jhvuyou.png 500w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2026\/01\/jhvuyou-300x300.png 300w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2026\/01\/jhvuyou-150x150.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Michael Muthukrishnan<br>Consultant<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-d963d26\" data-id=\"d963d26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b7af82e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b7af82e\" data-element_type=\"section\" id=\"Our\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19c44f7\" data-id=\"19c44f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f38028b elementor-widget elementor-widget-heading\" data-id=\"f38028b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our Perspective<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1625d1f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1625d1f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2126658 side_icon\" data-id=\"2126658\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0444706\" data-id=\"0444706\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be58af3 elementor-view-stacked elementor-shape-square elementor-position-left elementor-widget__width-initial icon_box elementor-widget-tablet__width-inherit elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"be58af3\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/introduction\/#Untiring\" target=\"_blank\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"29\" viewBox=\"0 0 29 29\" fill=\"none\"><path d=\"M14.0789 8.91645C14.9058 8.91645 15.6982 8.49973 16.3101 7.7434C16.869 7.0527 17.1895 6.18152 17.1895 5.35246C17.1895 3.6823 15.8524 2.42285 14.0789 2.42285C12.3054 2.42285 10.9683 3.68066 10.9683 5.35246C10.9683 6.18152 11.2887 7.0527 11.8476 7.7434C12.4596 8.50027 13.252 8.91645 14.0789 8.91645ZM14.0789 3.3252C15.3586 3.3252 16.2872 4.17777 16.2872 5.35246C16.2872 6.82902 15.0791 8.0141 14.0789 8.0141C12.8555 8.0141 11.8706 6.55777 11.8706 5.35246C11.8706 4.17996 12.7992 3.3252 14.0789 3.3252Z\" fill=\"white\"><\/path><path d=\"M10.3983 13.2468L10.0817 17.7635C10.0775 17.8226 10.085 17.8819 10.1038 17.9381C10.1226 17.9943 10.1522 18.0463 10.1911 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25.7089 2.8839 25.7585C2.95227 25.8081 3.03319 25.8375 3.11745 25.8433C3.2017 25.8492 3.28591 25.8313 3.36048 25.7916L5.32158 24.7608L7.28213 25.7916C7.34694 25.8255 7.41897 25.8434 7.49213 25.8436C7.55782 25.8435 7.62271 25.829 7.68226 25.8013C7.74181 25.7735 7.79459 25.7331 7.83692 25.6829C7.87925 25.6327 7.91011 25.5738 7.92735 25.5104C7.94459 25.447 7.94779 25.3806 7.93673 25.3158L7.56213 23.1327L9.14806 21.5861C9.20831 21.5274 9.25093 21.4529 9.27109 21.3712C9.29125 21.2895 9.28816 21.2038 9.26216 21.1238C9.23617 21.0437 9.1883 20.9726 9.12397 20.9183C9.05964 20.864 8.98142 20.8288 8.89814 20.8167H8.89486ZM5.11049 23.8518L3.74603 24.5677L4.0058 23.0512C4.01825 22.9792 4.01296 22.9051 3.99038 22.8356C3.9678 22.766 3.9286 22.703 3.87619 22.652L2.77478 21.5779L4.29674 21.3592C4.36921 21.3486 4.43803 21.3206 4.49729 21.2775C4.55654 21.2345 4.60445 21.1777 4.63689 21.112L5.31775 19.7328L5.99861 21.112C6.03085 21.1777 6.07863 21.2346 6.13781 21.2776C6.19699 21.3207 6.26578 21.3487 6.33822 21.3592L7.86072 21.5779L6.75877 22.652C6.70643 22.7031 6.66729 22.7661 6.64471 22.8356C6.62213 22.9052 6.61679 22.9792 6.62916 23.0512L6.88947 24.5677L5.5272 23.8518C5.46448 23.8135 5.39238 23.7932 5.31884 23.7932C5.24531 23.7932 5.17321 23.8135 5.11049 23.8518Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/introduction\/#Untiring\" target=\"_blank\" >\n\t\t\t\t\t\tAdvocacy for Financial Customer Protection\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/introduction\/#Untiring\" target=\"_blank\">Read More<\/a>\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afcfbc2 elementor-view-stacked elementor-shape-square elementor-position-left elementor-widget__width-initial icon_box elementor-widget-tablet__width-inherit elementor-mobile-position-left elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"afcfbc2\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/introduction\/#Comprehensive\" target=\"_blank\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path d=\"M17.535 15.3126H16.1612C17.3493 14.6395 18.3404 13.667 19.0359 12.4918C19.7313 11.3167 20.1068 9.97988 20.125 8.61449V4.19574C20.1246 4.1053 20.0963 4.0172 20.0438 3.94355C19.9913 3.8699 19.9172 3.81434 19.8319 3.78449L14.1444 1.77637C13.9344 1.70199 14.3587 1.59699 8.16813 3.78449C8.08275 3.81434 8.00872 3.8699 7.95623 3.94355C7.90374 4.0172 7.87536 4.1053 7.875 4.19574V8.61449C7.88251 9.98265 8.25401 11.3242 8.95137 12.5013C9.64872 13.6784 10.6468 14.6487 11.8431 15.3126H10.465C8.85019 15.3138 7.30185 15.9558 6.16 17.0976C5.01815 18.2395 4.37616 19.7878 4.375 21.4026V25.8126C4.375 25.9286 4.42109 26.0399 4.50314 26.122C4.58519 26.204 4.69647 26.2501 4.8125 26.2501H23.1875C23.3035 26.2501 23.4148 26.204 23.4969 26.122C23.5789 26.0399 23.625 25.9286 23.625 25.8126V21.4026C23.6238 19.7878 22.9818 18.2395 21.84 17.0976C20.6982 15.9558 19.1498 15.3138 17.535 15.3126ZM8.75 8.61449V4.50637L14 2.65137L19.25 4.50637V8.61449C19.2202 10.1494 18.6919 11.633 17.7448 12.8413C16.7978 14.0496 15.4834 14.917 14 15.3126C12.5138 14.9222 11.1961 14.0562 10.2482 12.8468C9.30023 11.6373 8.77407 10.151 8.75 8.61449ZM13.0681 18.3751H14.9319L15.7194 23.8745L13.9694 25.2526L12.2675 23.8789L13.0681 18.3751ZM15.015 17.5001H12.985L12.46 16.1876H15.5225L15.015 17.5001ZM5.25 21.4026C5.25231 20.0202 5.80249 18.6951 6.77999 17.7176C7.75749 16.7401 9.08261 16.1899 10.465 16.1876H11.515L12.25 17.9901L11.375 24.0014C11.3269 24.3514 11.5763 24.4389 12.74 25.3751H5.25V21.4026ZM22.75 25.3751H15.2381L16.4587 24.4039C16.73 24.1895 16.6862 24.4651 15.7631 17.9901L16.485 16.1876H17.535C18.9174 16.1899 20.2425 16.7401 21.22 17.7176C22.1975 18.6951 22.7477 20.0202 22.75 21.4026V25.3751Z\" fill=\"white\"><\/path><path d=\"M16.7517 6.6897L13.5623 9.88345L12.123 8.4397C12.0406 8.35732 11.9288 8.31104 11.8123 8.31104C11.6958 8.31104 11.5841 8.35732 11.5017 8.4397C11.4193 8.52208 11.373 8.63382 11.373 8.75033C11.373 8.86683 11.4193 8.97857 11.5017 9.06095L13.2517 10.8109C13.2924 10.852 13.3408 10.8845 13.3941 10.9067C13.4474 10.9289 13.5046 10.9404 13.5623 10.9404C13.6201 10.9404 13.6773 10.9289 13.7306 10.9067C13.7839 10.8845 13.8323 10.852 13.873 10.8109L17.373 7.31095C17.4553 7.22857 17.5016 7.11683 17.5016 7.00033C17.5016 6.88382 17.4553 6.77208 17.373 6.6897C17.2906 6.60732 17.1788 6.56104 17.0623 6.56104C16.9458 6.56104 16.8341 6.60732 16.7517 6.6897Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/introduction\/#Comprehensive\" target=\"_blank\" >\n\t\t\t\t\t\tComprehensive Customer Protection\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/introduction\/#Comprehensive\" target=\"_blank\">Read More<\/a>\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-81ee452\" data-id=\"81ee452\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-592148e elementor-widget elementor-widget-image\" data-id=\"592148e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/Frame-4-e1691505594695-qam541yk0nf1034ro57scogy7xyrlzitobjrjl6748.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-914ad95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"914ad95\" data-element_type=\"section\" id=\"Spotlight\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f70e22 project_cnt\" data-id=\"5f70e22\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-02961ff project_cnt\" data-id=\"02961ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9172f9d elementor-widget elementor-widget-heading\" data-id=\"9172f9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Spotlight  Projects<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54d3798 elementor-arrows-position-outside elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"54d3798\" data-element_type=\"widget\" data-settings=\"{&quot;template_id&quot;:558,&quot;_skin&quot;:&quot;post&quot;,&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_show_laptop&quot;:&quot;3&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;.elementor-widget-container&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-carousel.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/plugins\/pro-elements\/assets\/css\/widget-loop-builder.min.css\">\t\t<div class=\"swiper elementor-loop-container elementor-grid\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t<style id=\"loop-558\">.project_post_title {\r\n    position: absolute;\r\n    bottom: 10%;\r\n    left: 10%;\r\n    max-width: 75%;\r\n}.elementor-558 .elementor-element.elementor-element-f3bb4fa{width:auto;max-width:auto;top:10px;}body:not(.rtl) .elementor-558 .elementor-element.elementor-element-f3bb4fa{right:10px;}body.rtl .elementor-558 .elementor-element.elementor-element-f3bb4fa{left:10px;}.elementor-558 .elementor-element.elementor-element-3eaab4c .elementor-heading-title{color:var( --e-global-color-primary );font-family:\"Roboto\", Sans-serif;font-size:20px;font-weight:400;line-height:24px;}.elementor-558 .elementor-element.elementor-element-3eaab4c > .elementor-widget-container{margin:0px 0px 0px 0px;}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"558\" class=\"elementor elementor-558 swiper-slide e-loop-item e-loop-item-1163 post-1163 project type-project status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a510234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a510234\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a88303\" data-id=\"7a88303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3bb4fa elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-image\" data-id=\"f3bb4fa\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Seeking\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"67\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-3-2.png\" class=\"attachment-full size-full wp-image-3244\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db0fdb elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"8db0fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/httpsdvararesearch.comcentre-for-customer-protectionspotlight-projects-4-qam8vpzw03l6f4fjb3zv2hzbj1r3tjn1r740wg432g.png\" title=\"Seeking Consent.\" alt=\"Seeking Consent.\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eaab4c project_post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3eaab4c\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Seeking\" target=\"_blank\">Seeking the customer\u2019s consent: Can behavioural science help design customer-friendly consent forms?<\/a><\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"558\" class=\"elementor elementor-558 swiper-slide e-loop-item e-loop-item-1159 post-1159 project type-project status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a510234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a510234\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a88303\" data-id=\"7a88303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3bb4fa elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-image\" data-id=\"f3bb4fa\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Reducing-digital\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"67\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-3-2.png\" class=\"attachment-full size-full wp-image-3244\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db0fdb elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"8db0fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/httpsdvararesearch.comcentre-for-customer-protectionspotlight-projects-2-qam5og2fujs8kpvjfs5zs378uvxktv048mvb3t185k.png\" title=\"Digital Fraud SP\" alt=\"Digital Fraud SP\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eaab4c project_post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3eaab4c\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Reducing-digital\" target=\"_blank\">Reducing digital financial frauds: Are Awareness Campaigns Effective in Reducing the Incidence of Frauds?<\/a><\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"558\" class=\"elementor elementor-558 swiper-slide e-loop-item e-loop-item-1152 post-1152 project type-project status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a510234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a510234\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a88303\" data-id=\"7a88303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3bb4fa elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-image\" data-id=\"f3bb4fa\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Addressing\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"67\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-3-2.png\" class=\"attachment-full size-full wp-image-3244\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db0fdb elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"8db0fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/3-qa9dkrf3mpck0djvq1dzpvknzc855mbmy0a6tc6a2w.jpg\" title=\"3\" alt=\"3\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eaab4c project_post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3eaab4c\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Addressing\" target=\"_blank\">Addressing debt distress: How can Lenders Detect and Alleviate Borrowers\u2019 Distress?<\/a><\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"558\" class=\"elementor elementor-558 swiper-slide e-loop-item e-loop-item-573 post-573 project type-project status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a510234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a510234\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a88303\" data-id=\"7a88303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3bb4fa elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-image\" data-id=\"f3bb4fa\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Reducing-information\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"67\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-3-2.png\" class=\"attachment-full size-full wp-image-3244\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db0fdb elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"8db0fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/httpsdvararesearch.comcentre-for-customer-protectionspotlight-projects-3-qam8parlausn31retc1n14bxe9et8052vemkudmxl4.png\" title=\"Information Asymmetry\" alt=\"Information Asymmetry\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eaab4c project_post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3eaab4c\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Reducing-information\" target=\"_blank\">Reducing information asymmetry: Can Information Disclosures Help Customers Make Better Life Insurance Purchase Decisions?<\/a><\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"558\" class=\"elementor elementor-558 swiper-slide e-loop-item e-loop-item-572 post-572 project type-project status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a510234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a510234\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a88303\" data-id=\"7a88303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3bb4fa elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-image\" data-id=\"f3bb4fa\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Designing\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"67\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-3-2.png\" class=\"attachment-full size-full wp-image-3244\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db0fdb elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"8db0fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/2-qa9dkpjf919zd5mm10kqkw1qskheq8469qz7us92fc.jpg\" title=\"2\" alt=\"2\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eaab4c project_post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3eaab4c\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Designing\" target=\"_blank\">Designing effective grievance redress: Do in-app GRMs work for constrained users of UPI?<\/a><\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"558\" class=\"elementor elementor-558 swiper-slide e-loop-item e-loop-item-555 post-555 project type-project status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a510234 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a510234\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a88303\" data-id=\"7a88303\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3bb4fa elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-image\" data-id=\"f3bb4fa\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Protecting\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"67\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-3-2.png\" class=\"attachment-full size-full wp-image-3244\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db0fdb elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"8db0fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/thumbs\/httpsdvararesearch.comcentre-for-customer-protectionspotlight-projects-1-qam5ai4mh0p4cy4mur77slv3n4nknhngbmi0u1pgg8.png\" title=\"PDPB\" alt=\"PDPB\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eaab4c project_post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"3eaab4c\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/spotlight-projects\/#Protecting\" target=\"_blank\">Protecting customers\u2019 data: How can India\u2019s Digital Personal Data Protection Bill be strengthened?<\/a><\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-01ac555 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"01ac555\" data-element_type=\"section\" id=\"Monitoring\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bf0c4f9\" data-id=\"bf0c4f9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-32a2e83\" data-id=\"32a2e83\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f6845a9 elementor-widget elementor-widget-heading\" data-id=\"f6845a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Monitoring and Diagnostic Tools<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d447edb elementor-arrows-position-outside elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"d447edb\" data-element_type=\"widget\" data-settings=\"{&quot;template_id&quot;:606,&quot;_skin&quot;:&quot;post&quot;,&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_show_laptop&quot;:&quot;3&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;.elementor-widget-container&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;image_spacing_custom_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-carousel.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"swiper elementor-loop-container elementor-grid\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"polite\">\n\t\t<style id=\"loop-606\">.elementor-606 .elementor-element.elementor-element-84eb6e1 > .elementor-container{min-height:250px;}.elementor-606 .elementor-element.elementor-element-84eb6e1:not(.elementor-motion-effects-element-type-background), .elementor-606 .elementor-element.elementor-element-84eb6e1 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-primary );}.elementor-606 .elementor-element.elementor-element-84eb6e1{transition:background 0.3s, border 0.3s, border-radius 0.3s, box-shadow 0.3s;}.elementor-606 .elementor-element.elementor-element-84eb6e1 > .elementor-background-overlay{transition:background 0.3s, border-radius 0.3s, opacity 0.3s;}.elementor-606 .elementor-element.elementor-element-87bcffc .elementor-heading-title{font-family:\"Roboto\", Sans-serif;font-size:14px;font-weight:400;line-height:20px;}.elementor-606 .elementor-element.elementor-element-7f9dd49{color:#7AA435;font-family:\"Roboto\", Sans-serif;font-size:18px;font-weight:500;line-height:24px;}.elementor-606 .elementor-element.elementor-element-1285b56 .elementor-button{font-family:\"Roboto\", Sans-serif;font-size:16px;font-weight:600;text-shadow:0px 0px 0px rgba(0,0,0,0.3);fill:#FFFEFE;color:#FFFEFE;background-color:#72300D;border-radius:15px 15px 15px 15px;padding:7px 14px 7px 14px;}.elementor-606 .elementor-element.elementor-element-1285b56 > .elementor-widget-container{margin:10px 0px 0px 0px;}@media(max-width:1366px){.elementor-606 .elementor-element.elementor-element-7f9dd49{width:var( --container-widget-width, 285px );max-width:285px;--container-widget-width:285px;--container-widget-flex-grow:0;}.elementor-606 .elementor-element.elementor-element-1285b56{width:var( --container-widget-width, 322.65px );max-width:322.65px;--container-widget-width:322.65px;--container-widget-flex-grow:0;}}@media(max-width:1024px){.elementor-606 .elementor-element.elementor-element-87bcffc .elementor-heading-title{font-size:15px;}.elementor-606 .elementor-element.elementor-element-1285b56 .elementor-button{font-size:15px;}}@media(max-width:767px){.elementor-606 .elementor-element.elementor-element-87bcffc .elementor-heading-title{font-size:13px;line-height:15px;}.elementor-606 .elementor-element.elementor-element-87bcffc > .elementor-widget-container{margin:5px 0px 0px 0px;}.elementor-606 .elementor-element.elementor-element-7f9dd49{font-size:16px;--container-widget-width:280px;--container-widget-flex-grow:0;width:var( --container-widget-width, 280px );max-width:280px;}}\/* Start custom CSS for section, class: .elementor-element-84eb6e1 *\/.monitor_sec .elementor-widget-theme-post-content {\r\n    padding: 5px 15px !important;\r\n    left: 15px !important;\r\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"606\" class=\"elementor elementor-606 swiper-slide e-loop-item e-loop-item-1168 post-1168 monitor type-monitor status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7230e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7230e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26dbc9f monitor_sec\" data-id=\"26dbc9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84eb6e1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"84eb6e1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1518a0f\" data-id=\"1518a0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-87bcffc post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"87bcffc\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Capturing\" target=\"_blank\">Capturing customer issues with UPI<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9dd49 elementor-widget-laptop__width-initial elementor-widget elementor-widget-theme-post-content\" data-id=\"7f9dd49\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p>What problems are UPI customers encountering?<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1285b56 elementor-widget-laptop__width-initial elementor-widget elementor-widget-button\" data-id=\"1285b56\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Capturing\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path d=\"M12.43 0.930176L18.5 7.00018L12.43 13.0702M1.5 7.00018H18.33\" stroke=\"white\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"606\" class=\"elementor elementor-606 swiper-slide e-loop-item e-loop-item-1167 post-1167 monitor type-monitor status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7230e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7230e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26dbc9f monitor_sec\" data-id=\"26dbc9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84eb6e1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"84eb6e1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1518a0f\" data-id=\"1518a0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-87bcffc post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"87bcffc\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Improving-insurance\" target=\"_blank\">Improving insurance uptake under the Jan Suraksha Program<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9dd49 elementor-widget-laptop__width-initial elementor-widget elementor-widget-theme-post-content\" data-id=\"7f9dd49\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p>Why are public insurance schemes not popular?<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1285b56 elementor-widget-laptop__width-initial elementor-widget elementor-widget-button\" data-id=\"1285b56\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Improving-insurance\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path d=\"M12.43 0.930176L18.5 7.00018L12.43 13.0702M1.5 7.00018H18.33\" stroke=\"white\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"606\" class=\"elementor elementor-606 swiper-slide e-loop-item e-loop-item-624 post-624 monitor type-monitor status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7230e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7230e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26dbc9f monitor_sec\" data-id=\"26dbc9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84eb6e1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"84eb6e1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1518a0f\" data-id=\"1518a0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-87bcffc post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"87bcffc\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Improving\" target=\"_blank\">Improving Cash-In Cash-Out (CICO) services<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9dd49 elementor-widget-laptop__width-initial elementor-widget elementor-widget-theme-post-content\" data-id=\"7f9dd49\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p>Are BC agents succeeding?<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1285b56 elementor-widget-laptop__width-initial elementor-widget elementor-widget-button\" data-id=\"1285b56\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Improving\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path d=\"M12.43 0.930176L18.5 7.00018L12.43 13.0702M1.5 7.00018H18.33\" stroke=\"white\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"606\" class=\"elementor elementor-606 swiper-slide e-loop-item e-loop-item-623 post-623 monitor type-monitor status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7230e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7230e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26dbc9f monitor_sec\" data-id=\"26dbc9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84eb6e1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"84eb6e1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1518a0f\" data-id=\"1518a0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-87bcffc post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"87bcffc\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Helping\" target=\"_blank\">Helping women customers gain comfort with digital environments<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9dd49 elementor-widget-laptop__width-initial elementor-widget elementor-widget-theme-post-content\" data-id=\"7f9dd49\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p>Could poor women be managing their money digitally?<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1285b56 elementor-widget-laptop__width-initial elementor-widget elementor-widget-button\" data-id=\"1285b56\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Helping\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path d=\"M12.43 0.930176L18.5 7.00018L12.43 13.0702M1.5 7.00018H18.33\" stroke=\"white\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"606\" class=\"elementor elementor-606 swiper-slide e-loop-item e-loop-item-598 post-598 monitor type-monitor status-publish has-post-thumbnail hentry\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7230e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7230e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26dbc9f monitor_sec\" data-id=\"26dbc9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84eb6e1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"84eb6e1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1518a0f\" data-id=\"1518a0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-87bcffc post_title elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"87bcffc\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Surfacing\" target=\"_blank\">Surfacing the poor customer\u2019s voice<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9dd49 elementor-widget-laptop__width-initial elementor-widget elementor-widget-theme-post-content\" data-id=\"7f9dd49\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p>In what ways is contact with formal finance causing customers to become aggrieved?<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1285b56 elementor-widget-laptop__width-initial elementor-widget elementor-widget-button\" data-id=\"1285b56\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/monitoring-and-diagnostic-tools\/#Surfacing\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"14\" viewBox=\"0 0 20 14\" fill=\"none\"><path d=\"M12.43 0.930176L18.5 7.00018L12.43 13.0702M1.5 7.00018H18.33\" stroke=\"white\" stroke-width=\"1.5\" stroke-miterlimit=\"10\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc34e1f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc34e1f\" data-element_type=\"section\" id=\"Other\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-65224bf\" data-id=\"65224bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63ee6f8\" data-id=\"63ee6f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64bfa6e elementor-widget elementor-widget-heading\" data-id=\"64bfa6e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Other Projects<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-440e5a8 elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"440e5a8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5fb10ef img_txt\" data-id=\"5fb10ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0168974 elementor-flip-box--3d elementor-flip-box--effect-flip elementor-flip-box--direction-up elementor-widget elementor-widget-flip-box\" data-id=\"0168974\" data-element_type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-flip-box.min.css?ver=1691582277\">\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"166\" height=\"166\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194.png\" class=\"attachment-full size-full wp-image-515\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194.png 166w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-150x150.png 150w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/elementor\/thumbs\/Group-194-q9cv9oonvtoi9ua9ua2z5wnoisxiqfnofq4nouit9s.png 120w\" sizes=\"auto, (max-width: 166px) 100vw, 166px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tBNPL Customers Are  Susceptible To Adverse Risks\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/other-projects\/\" target=\"_blank\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tBuy Now, Pay Later (BNPL) products have become one of the popular modes for customers to make retail purchases in India. These products have been positioned as challengers to credit cards that can make credit more accessible to customers at little to no cost. Yet, the actual costs customers may incur have not been documented in the Indian context. Dvara Research\u2019s report on BNPL attempts to fill this gap. Concluded in late 2022, the report finds that customers using BNPL incur monetary costs comparable to costs of using credit cards, and are susceptible \nto adverse risks emerging from gaps in customer protection.\n<br>\n<br>\nClick here to read our other writings!\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-91dc5ab img_txt\" data-id=\"91dc5ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38a40fc elementor-flip-box--3d elementor-flip-box--effect-flip elementor-flip-box--direction-up elementor-widget elementor-widget-flip-box\" data-id=\"38a40fc\" data-element_type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"166\" height=\"166\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-1.png\" class=\"attachment-full size-full wp-image-514\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-1.png 166w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-1-150x150.png 150w\" sizes=\"auto, (max-width: 166px) 100vw, 166px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tLeveraging Social Capital For  Public Health Insurance\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/other-projects\/\" target=\"_blank\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tLeveraging social capital to enhance the customer experience of public health insurance programs \u2013 This project maps a customer\u2019s journey through public health insurance programs, identifies potential hurdles that the customer may face in benefiting from those programs, and provides examples of how social capital can be put to work to overcome those challenges. Once completed, this project can provide a useful lens for evaluating public health insurance programs from a customer perspective, and aid in developing community-driven solutions to customer challenges.\n<br>\n<br>\nClick here to read our other writings!\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-528fed7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"528fed7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/category\/policy-initiatives\/center-for-customer-protection\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Early Writings<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5f3370f elementor-hidden-desktop elementor-hidden-laptop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f3370f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bb4f81e img_txt\" data-id=\"bb4f81e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7cbab0b elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"7cbab0b\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.elementor-widget-image-box .elementor-image-box-content{width:100%}@media (min-width:768px){.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper,.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{display:flex}.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{text-align:right;flex-direction:row-reverse}.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper{text-align:left;flex-direction:row}.elementor-widget-image-box.elementor-position-top .elementor-image-box-img{margin:auto}.elementor-widget-image-box.elementor-vertical-align-top .elementor-image-box-wrapper{align-items:flex-start}.elementor-widget-image-box.elementor-vertical-align-middle .elementor-image-box-wrapper{align-items:center}.elementor-widget-image-box.elementor-vertical-align-bottom .elementor-image-box-wrapper{align-items:flex-end}}@media (max-width:767px){.elementor-widget-image-box .elementor-image-box-img{margin-left:auto!important;margin-right:auto!important;margin-bottom:15px}}.elementor-widget-image-box .elementor-image-box-img{display:inline-block}.elementor-widget-image-box .elementor-image-box-title a{color:inherit}.elementor-widget-image-box .elementor-image-box-wrapper{text-align:center}.elementor-widget-image-box .elementor-image-box-description{margin:0}<\/style><div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/other-projects\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" width=\"166\" height=\"166\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194.png\" class=\"attachment-full size-full wp-image-515\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194.png 166w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-150x150.png 150w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/elementor\/thumbs\/Group-194-q9cv9oonvtoi9ua9ua2z5wnoisxiqfnofq4nouit9s.png 120w\" sizes=\"auto, (max-width: 166px) 100vw, 166px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/other-projects\/\" target=\"_blank\">Buy Now, Pay Later (BNPL) products have become one of the popular modes for customers to make retail purchases in India. These products have been positioned as challengers to credit cards that can make credit more accessible to customers at little to no cost. Yet, the actual costs customers may incur have not been documented in the Indian context. Dvara Research\u2019s report on BNPL attempts to fill this gap. Concluded in late 2022, the report finds that customers using BNPL incur monetary costs comparable to costs of using credit cards, and are susceptible  to adverse risks emerging from gaps in customer protection. <br> <br> Click here to read our other writings!<\/a><\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-18a7b38 img_txt\" data-id=\"18a7b38\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e498dac elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"e498dac\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/other-projects\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" width=\"166\" height=\"166\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-1.png\" class=\"attachment-full size-full wp-image-514\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-1.png 166w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/07\/Group-194-1-150x150.png 150w\" sizes=\"auto, (max-width: 166px) 100vw, 166px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\"><a href=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/other-projects\/\" target=\"_blank\">Leveraging social capital to enhance the customer experience of public health insurance programs \u2013 This project maps a customer\u2019s journey through public health insurance programs, identifies potential hurdles that the customer may face in benefiting from those programs, and provides examples of how social capital can be put to work to overcome those challenges. Once completed, this project can provide a useful lens for evaluating public health insurance programs from a customer perspective, and aid in developing community-driven solutions to customer challenges. <br> <br> Click here to read our other writings!<\/a><\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e2298c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2298c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-657b14a\" data-id=\"657b14a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-455ba36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"455ba36\" data-element_type=\"section\" id=\"about-dvara\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f2fddc6\" data-id=\"f2fddc6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9860166\" data-id=\"9860166\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c74baf5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c74baf5\" data-element_type=\"section\" id=\"About\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8f8e65a\" data-id=\"8f8e65a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e209f95 elementor-widget elementor-widget-heading\" data-id=\"e209f95\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About Dvara Research<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62bbb21 elementor-widget elementor-widget-text-editor\" data-id=\"62bbb21\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dvara Research envisions a world in which every low-income household and every enterprise has complete access to suitable financial services and social security through a range of channels that enable them to use services securely and confidently. We identify ourselves as the voice of low-income customers. They are the reason we exist, and we are relentless advocates for their financial wellbeing.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93cab02 elementor-widget elementor-widget-text-editor\" data-id=\"93cab02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Since 2008, Dvara Research has deeply analysed, and carefully written about, financial inclusion and social protection in India from policy, regulatory, and practitioner perspectives that are anchored to its mission. Its work has gained the admiration and respect of policymakers and regulators, and since its inception, Dvara Research has been a research-partner of choice for such key policy-making bodies as the Reserve Bank of India, Securities and Exchange Board of India, Pension Fund Regulatory and Development Authority etc.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a70966a elementor-widget elementor-widget-text-editor\" data-id=\"a70966a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Our work at Dvara Research is categorised into four verticals that conduct transformative research into the various aspects of financial inclusion and social protection. These four verticals are \u2013 Financial Systems Design, Future of Finance, Social Protection, and Household Finance Research. The Customer Protection Program, launched in November 2021, is a horizontal program that overlaps across all the areas of work that we do.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e9f6f7b\" data-id=\"e9f6f7b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c360db1 elementor-widget elementor-widget-image\" data-id=\"c360db1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"597\" src=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/Frame-784-6.png\" class=\"attachment-large size-large wp-image-4483\" alt=\"\" srcset=\"https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/Frame-784-6.png 530w, https:\/\/dvararesearch.com\/centre-for-customer-protection\/wp-content\/uploads\/2023\/08\/Frame-784-6-266x300.png 266w\" sizes=\"auto, (max-width: 530px) 100vw, 530px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4da655 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4da655\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-526901d\" data-id=\"526901d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0993443 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0993443\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-163cf57\" data-id=\"163cf57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-11a3ed0\" data-id=\"11a3ed0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0a0e5 elementor-widget elementor-widget-heading\" data-id=\"5d0a0e5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">POLICY\u00a0INITIATIVES<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51db9ba elementor-tabs-view-vertical tab_sec elementor-widget elementor-widget-tabs\" data-id=\"51db9ba\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-wrapper{width:25%;flex-shrink:0}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active{border-right-style:none}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:before{height:999em;width:0;right:0;border-right-style:solid}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:before{top:0;transform:translateY(-100%)}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:after{top:100%}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title{display:table-cell}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active{border-bottom-style:none}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:before{bottom:0;height:0;width:999em;border-bottom-style:solid}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:before{right:100%}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:after{left:100%}.elementor-widget-tabs .elementor-tab-content,.elementor-widget-tabs .elementor-tab-title,.elementor-widget-tabs .elementor-tab-title:after,.elementor-widget-tabs .elementor-tab-title:before,.elementor-widget-tabs .elementor-tabs-content-wrapper{border:1px #d5d8dc}.elementor-widget-tabs .elementor-tabs{text-align:left}.elementor-widget-tabs .elementor-tabs-wrapper{overflow:hidden}.elementor-widget-tabs .elementor-tab-title{cursor:pointer;outline:var(--focus-outline,none)}.elementor-widget-tabs .elementor-tab-desktop-title{position:relative;padding:20px 25px;font-weight:700;line-height:1;border:solid transparent}.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active{border-color:#d5d8dc}.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active:before{display:block;content:\"\";position:absolute}.elementor-widget-tabs .elementor-tab-desktop-title:focus-visible{border:1px solid #000}.elementor-widget-tabs .elementor-tab-mobile-title{padding:10px;cursor:pointer}.elementor-widget-tabs .elementor-tab-content{padding:20px;display:none}@media (max-width:767px){.elementor-tabs .elementor-tab-content,.elementor-tabs .elementor-tab-title{border-style:solid solid none}.elementor-tabs .elementor-tabs-wrapper{display:none}.elementor-tabs .elementor-tabs-content-wrapper{border-bottom-style:solid}.elementor-tabs .elementor-tab-content{padding:10px}}@media (min-width:768px){.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs{display:flex}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-wrapper{flex-direction:column}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-content-wrapper{flex-grow:1;border-style:solid solid solid none}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-content{border-style:none solid solid}.elementor-widget-tabs.elementor-tabs-alignment-center .elementor-tabs-wrapper,.elementor-widget-tabs.elementor-tabs-alignment-end .elementor-tabs-wrapper,.elementor-widget-tabs.elementor-tabs-alignment-stretch .elementor-tabs-wrapper{display:flex}.elementor-widget-tabs.elementor-tabs-alignment-center .elementor-tabs-wrapper{justify-content:center}.elementor-widget-tabs.elementor-tabs-alignment-end .elementor-tabs-wrapper{justify-content:flex-end}.elementor-widget-tabs.elementor-tabs-alignment-stretch.elementor-tabs-view-horizontal .elementor-tab-title{width:100%}.elementor-widget-tabs.elementor-tabs-alignment-stretch.elementor-tabs-view-vertical .elementor-tab-title{height:100%}.elementor-tabs .elementor-tab-mobile-title{display:none}}<\/style>\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-8581\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-8581\" aria-expanded=\"false\">Financial Systems Design<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-8582\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8582\" aria-expanded=\"false\">Household Finance<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-8583\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8583\" aria-expanded=\"false\">Future of Finance Initiative<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-8584\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8584\" aria-expanded=\"false\">Social Protection Initiative<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-8585\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8585\" aria-expanded=\"false\">Centre for Customer Protection<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-8581\" aria-expanded=\"false\">Financial Systems Design<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8581\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8581\" tabindex=\"0\" hidden=\"false\"><p>This initiative develops and disseminates financial systems\u2019 designs focused on achieving both inclusion and stability. The research efforts here aim to facilitate a well-functioning financial system for India that is built on the three fundamental pillars of high-quality origination, orderly risk transmission and robust risk aggregation. Such a financial system is needed to deliver full financial inclusion and financial deepening in a manner that enhances systemic stability.<\/p><p><strong><a href=\"https:\/\/dvararesearch.com\/category\/policy-initiatives\/financial-systems-design\/\" target=\"_blank\" rel=\"noopener\">Read More<\/a><\/strong><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8582\" aria-expanded=\"false\">Household Finance<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8582\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8582\" tabindex=\"0\" hidden=\"hidden\"><p>This initiative aims to rigorously understand and document the financial lives <br \/>of low-income or excluded households. A fundamental principle that guides this initiative\u2019s research efforts is the idea that a household is the key economic unit for policymakers, regulators, and practitioners to pay attention to. This is so that they may facilitate the creation of a suite of appropriate financial products and services, eventually enabling well-rounded balance sheets and financial wellbeing for the entire household unit.<\/p><p><strong><a href=\"https:\/\/dvararesearch.com\/category\/policy-initiatives\/household-finance\/\" target=\"_blank\" rel=\"noopener\">Read More<\/a><\/strong><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8583\" aria-expanded=\"false\">Future of Finance Initiative<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8583\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8583\" tabindex=\"0\" hidden=\"hidden\"><p>This initiative studies and writes about all aspects of digital finance and digital inclusion, with a particular focus on customer protection for low-income households and low-income women customers in the digital financial services domain.<\/p><p><strong><a href=\"https:\/\/dvararesearch.com\/category\/policy-initiatives\/the-future-of-finance-initiative\/\" target=\"_blank\" rel=\"noopener\">Read More<\/a><\/strong><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8584\" aria-expanded=\"false\">Social Protection Initiative<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8584\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8584\" tabindex=\"0\" hidden=\"hidden\"><p>This initiative studies and writes about the design and implementation of <br \/>social protection in India. The core idea that informs this initiative\u2019s research efforts is that India\u2019s social protection system needs to be inclusive and citizen centric, from the conception of its social protection programs all the way to the delivery of its benefits.<\/p><p><strong><a href=\"https:\/\/dvararesearch.com\/category\/policy-initiatives\/social-protection-initiative\/\" target=\"_blank\" rel=\"noopener\">Read More<\/a><\/strong><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-8585\" aria-expanded=\"false\">Centre for Customer Protection<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8585\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-8585\" tabindex=\"0\" hidden=\"hidden\"><p>The Customer Protection Program was launched in November 2021 with a mission to focus on solutions that speak to the changing landscape of issues pertaining to financial customer protection in India.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14cab44 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"14cab44\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8b508f5\" data-id=\"8b508f5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef67c8b elementor-widget elementor-widget-heading\" data-id=\"ef67c8b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Meet Our team<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-592f8d6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"592f8d6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/dvararesearch.com\/about-us\/#about_team_section\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span 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