Independent Research and Policy Advocacy

Deepti George Dvara

Deepti George

Deputy ED and Head of Strategy
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With one and a half decades of experience, Deepti leads Dvara Research’s thinking on regulatory and policy themes in financial and banking systems. Deepti’s area of research and advocacy include consumer protection and institutional conduct, financial inclusion, and retail and wholesale financial services within Indian as well as international jurisdictions. She was part of the core technical secretariat to the Reserve Bank of India’s Mor Committee (2014), and SEBI’s Working Group on Social Stock Exchange (2020), and currently serves as a member of the ongoing SEBI Investor Survey Advisory Committee, and as the convenor for the Special Committee of the C20 on Financial Issues as part of India’s 2023 Presidency of the G20.

She has been member of CGAP’s (Consultative Group to Assist the Poor) coalition on Consumer Protection and has contributed to various fora like the International Financial Consumer Protection Organisation (FinCoNet) and the Global Alliance for Mass Entrepreneurship (GAME). In 2019, Deepti was ranked among India’s top 100 women in finance by the Association of International Wealth Management of India (AIWMI).

Focus policy initiatives

Center For Customer Protection
Financial Systems Design

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Contact: deepti.george@dvara.com

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September 18, 2024 | LiveMint

The new proposals can significantly increase the number of RIAs by relaxing the requirement of having a Master's degree and prior work experience and by lowering net-worth requirements.

By Deepti George, Ravi Saraogi
September 9, 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 3, 2024 | The Hindu Business Line

The framework should provide adequate compensation to victims, while investigative action continues in tandem

August 16, 2024 | The Hindu Business Line

Stakeholders should gather a common set of data points for each complaint, distinct from their data objectives

August 13, 2024 | Dvara Research

In this study, we focus on whether consumers use the grievance mechanisms provided in UPI apps in smartphones, and whether those mechanisms make for an easily navigable grievance redress journey ending in satisfactory resolution.

August 6, 2024 | The Hindu Business Line

Positive frictions while authorising transactions will give users some time before approving payment

March 21, 2024 | Dvara Research

Business correspondent (BC) agents are crucial last-mile infrastructure that support India’s vision for efficient, population-scale delivery of financial and other government services using Digital Public Infrastructure (DPI). These agents primarily facilitate cash deposits, cash withdrawals (together known as cash-in cash-out or CICO), and optionally facilitate access to insurance, savings products, and various welfare schemes for rural and low-income India.

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.

February 28, 2024 | Dvara Research

Consumer protection in financial services is a core component of Dvara Research’s mission, activities and its advocacy agenda. In this regard, I had the opportunity to participate at Consumers International’s Global Congress 2023, in Nairobi, Kenya, in December 2023.

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.