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. She also contributes to the Social Protection Open Digital Ecosystem workstream at Dvara Research, where her work focuses on designing and implementing citizen centric, digital social protection delivery platforms. 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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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
August 7, 2023 | Dvara Research

This study presents the design of an Outcome Based Survey crafted to evaluate the effect that UPI-fraud-awareness campaigns have in reducing individuals’ propensity to engage with fraudulent communication.

By Beni Chugh, Lakshay Narang
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.

May 15, 2023 | Dvara Research

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

By Srikara Prasad, Beni Chugh, Nishan Gantayat, Anushka Ashok
March 6, 2023 | Dvara Research

Technological advancement is enabling governments to break away from this fragmented model and adopt an approach that allows individual departments to share infrastructural capacities. In policy parlance, this new approach is referred to as an ‘ecosystem-based’ delivery model, wherein several government departments are integrated at the back end, operate on the same platform, with their workflows interoperable with each other.

By Aishwarya Narayan, Lakshay Narang, Aarushi Gupta, Beni Chugh, Dr. Indradeep Ghosh
December 23, 2022 | Dvara Research

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

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

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

By Beni Chugh, Srikara Prasad