Independent Research and Policy Advocacy

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
December 16, 2022 | Dvara Research

While the usage of UPI-based payments has been steadily increasing, the experiences of new-to-UPI users are relatively less examined.

By Beni Chugh, Srikara Prasad
December 14, 2022 | Dvara Research

This study was conducted through a donation from WhatsApp Pay. All material created under this study is made available as a public good, accessible through this page.

By Centre for Social and Behavioural Change, Ashoka University, Dvara Research
December 12, 2022 | ThePrint

'JAM' trinity facilitates direct benefit transfers of welfare subsidies into bank accounts of poor, but teething issues have kept the programme from realising its true potential.

November 28, 2022 | ThePrint

The latest iteration of India’s data protection legislation calls for a reminder of why the country needs a Personal Data Protection Bill and what would make it a good one.

By Beni Chugh, Srikara Prasad
November 22, 2022 | FinDev Gateway

Indian households and businesses hold their wealth primarily in physical assets like real estate, gold, and durables, while barely investing in any financial assets.

By Niyati Agrawal, Rakshith S. Ponnathpur
November 21, 2022 | Moneycontrol

Protecting citizens’ privacy is a pre-eminent mandate of any data protection regime. The Digital Personal Data Protection Bill appears to have departed farther away from that mandate

November 14, 2022 | ThePrint

Any digital system built to deliver social protection to citizens must accentuate the benefits of digitisation for citizens while suppressing any harm to them.

By Aishwarya Iyer, Lakshay Narang
November 3, 2022

There are several reasons for low take-up of life insurance policies in general and specifically low take-up of term life insurance. These factors range from supply side barriers such as misaligned incentive structures for agents selling life insurance policies, lack of availability and accessibility to a larger suite of life insurance products customized to the needs of low-income households to demand-side barriers such as household’s contextual factors that limit their awareness and priority for a life insurance product and their behavioural preferences pertaining to life insurance products.

October 31, 2022 | ThePrint

Social Protection Open Digital Ecosystems (SP-ODEs) can provide beneficiaries, government and service providers a unified, digital platform to better access welfare schemes.