Independent Research and Policy Advocacy

Beni Chugh Dvara

Beni Chugh

Head – Future of Finance
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Beni Chugh heads the Future of Finance Initiative. Her work focuses on identifying systemic stability and consumer protection concerns in digital finance.  Beni holds a Master’s in Public Policy from NLSIU, Bangalore and an M.A in Development Economics from the South Asian University, New Delhi.

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The Future Of Finance Initiative

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Contact: beni.chugh@dvara.com

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April 9, 2025 | The Hindu Business Line

Fairness, explainability and human-in-the-loop principle are vital elements of Responsible AI

By Beni Chugh, Neeraj Sibal, PwC
March 29, 2025 | Dvara Research

In this paper, we aim to identify the challenges and opportunities in financing regenerative agriculture within the context of smallholder farming in India and offer suggestions for enhancing the financing of regenerative agriculture in the country.

March 29, 2025 | Dvara Research

This Whitepaper unpacks what RTAI would mean in the context of digital lending. While the term Responsible AI has been adequately conceptualized in academia and elsewhere, it still needs to be coherently contextualized to specific domains.

February 28, 2025 | Dvara Research

The response presents our thinking on the governance of artificial intelligence (AI). It is divided into two parts. Part A summarises our key inputs which are also presented below in the form of this write-up. Part B provides a section-by-section paragraph-wise detailed feedback as per the Ministry’s Consultation Form requirements.

February 27, 2025 | The Hindu Business Line

Establishing principle-level guidance on operationalising Responsible AI would induce clarity and confidence

October 16, 2024 | Dvara Research

This blog presents a self-assessment checklist targeted at UI/UX designers and AA product managers, enabling them to surface gaps in the design of their consent artefacts especially in relation to the vulnerable customer.

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.

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
August 24, 2023 | Dvara Research

Dvara Research, with the Data Security Council of India (DSCI), co-developed two privacy handbooks directed at FSPs in the insurance and banking sector. The handbooks help FSPs implement data protection in a customer-centric manner throughout the data lifecycle, including in legacy systems.

By Beni Chugh, Srikara Prasad, The Data Security Council of India
August 7, 2023 | Dvara Research

Proposal for an outcome-based survey to test the effectiveness of UPI-fraudawareness campaign.

By Beni Chugh, Lakshay Narang