Principles of responsible and trustworthy AI in digital lending

The paper explores what RTAI means in the context of digital lending. The first section compiles principles of RTAI along with its essential components. The next section maps relevant tools for each principle. These tool recommendations can help lenders implement RTAI practices in their operations.
Comments to Draft Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Amendment Directions, 2026, dated 11 February 2026

In this response, we present our comments to the Draft Amendment Directions for ‘Advertising, Marketing and Sales of Financial Products and Services by Regulated Entities’ issued by the Reserve Bank of India on February 11, 2026.
Could we be doing better with consent?

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.
How mental models interplay with consent: Unpacking challenges to informed consent
This blog is about a behavioural study conducted jointly by Dvara Research and Final Mile to uncover mental models that may nudge customers to disengage with consent screens.
The behavioural mechanics that make notice-and-consent models ineffective
In this post, we present our findings from our literature review based on which we conducted the behavioural study.
Designing effective consent artefacts under the Account Aggregator framework
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.
Designing a consent artefact for digital financial services to cater to constrained users
In this policy brief, we review the literature to uncover the deficiencies of the consent model and propose measures to improve the consent artefact for new to technology and constrained users.
Building safe consumer data infrastructure in India: Account Aggregators in the financial sector (Part–2)
The second part of a two-part series that undertakes an analysis of the Account Aggregator system
Building safe consumer data infrastructure in India: Account Aggregators in the financial sector (Part–1)
The first part of a two-part series that undertakes an analysis of the Account Aggregator system