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

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.

'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.

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.

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

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

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

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.

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

The social dimension of household finances is often missed by popular commentary on finance, which sees such decisions as being made by an individual for only themselves.