Independent Research and Policy Advocacy

Anubhutie Singh Dvara

Anubhutie Singh

Research Associate
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Anubhutie is a Research Associate with the Future of Finance Initiative. She completed her Bachelors of Science in Economics, Mathematics and Statistics and has Master’s in Public Policy from St. Xavier’s College, Mumbai. With the Future of Finance Initiative, her research focuses on data infrastructure for financial inclusion in India.

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The Future Of Finance Initiative



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March 1, 2024 | Dvara Research

 Our response covers two themes: Leading from a customer protection perspective, our comments emphasise the need for the prospective SRO to have duties towards the customers, at par with responsibilities towards the regulator.

January 30, 2024 | Dvara Research

In this blogpost, we present our comments primarily to the former, but significantly implicating the latter. We include both frameworks since they cover similar subject matter – the creation of an SRO.

September 27, 2023 | Dvara Research

This research presents a framework comprising nine principles, which we believe are pre-requisites for creating user-centric GRMs.

By Anubhutie Singh, Srikara Prasad, Beni Chugh
July 28, 2023 | Dvara Research

MFIN India and Dvara Research partner to gather insights on users’ experience of navigating the MFIN-Customer Grievance Redress Mechanism (MFIN-CGRM). The study deploys mixed methods — a primary survey of over 300 users, stakeholder interviews and desk research to understand the user-centricity of the MFIN-CGRM.

March 28, 2023 | Dvara Research

Under the Center for Customer Protection, Dvara Research has been working on developing a market monitoring tool that leverages social media data to identify customer-facing issues with India’s leading payment infrastructure, the Unified Payments Interface (UPI).

May 6, 2022 | Future of Finance Initiative

India’s Personal Data Protection Bill, 2019 (the Bill) was introduced in Parliament in December 2019, and is currently under consideration by a Joint Parliamentary Committee of MPs.

By Srikara Prasad, Anubhutie Singh, Beni Chugh, Sarah Stanley, Malavika Raghavan
March 8, 2022 | News18

Even when women are not the primary borrowers of formal finance, studies note that they remain responsible for ensuring timely repayments.

November 6, 2021 | Dvara Research

Disruptive innovations (mainly through digitalisation) are resulting in a change in the structure of markets and their functioning, emergence of new business models as well as new products and processes (Organisation for Economic Co-operation and Development, 2017).

By Sarah Stanley, Srikara Prasad, Anubhutie Singh, Beni Chugh
December 17, 2020 | Dvara Research

Governments around the world are trying to build large data registries for effective delivery of a variety of public services. However, these efforts are often undermined due to serious concerns over privacy risks associated with collection and processing of personally identifiable information.

By Anubhutie Singh, Malavika Raghavan, Subodh Sharma, Prashant Agrawal, Subhashis Banerjee
November 18, 2020 | Dvara Research

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