Key Findings – A Mechanism for Market Monitoring of Customer-facing Issues with Unified Payments Interface (UPI)
This report presents a brief synopsis of the methodology and anonymised findings.
Digitising Women’s Money Management
The study followed 293 women in rural Rajasthan over 6 months, documenting more than 135,000 financial transactions while introducing assisted access to a UPI-based mobile payments application through community-based women facilitators.
Bringing the human back into algorithmic systems: From ‘de-humanization’ to ‘re-humanization’
As algorithmic systems increasingly shape financial decisions, this blog explores how they can de-humanize individuals by reducing them to data points.
Advancing Women’s Entrepreneurship: The Role of Digital Money Management Tool
The study was conducted in two contrasting geographic contexts of rural Punjab and urban Tamil Nadu, using qualitative research methods involving 30 WNEs.
Reframing Financial Health: From Canary in a Coal Mine to a Thermostat for Action
Our submission in this paper is that impact measurement in financial inclusion, i.e., financial health measurement can, and ought to, play a more diagnostic role in financial inclusion strategy. This is the conceptual departure that the title of the paper describes as the shift ‘from a canary in a coalmine to a thermostat’.
Taking Ideas and Discourses Seriously: A Discursive Institutionalist Perspective on Social Protection Policy in India
This paper argues that institutional stability and change in social protection policy in India are best explained through the explanatory power of ideas and the interactive processes of discourse. However, traditional institutionalist theories, whether rational choice, sociological, or historical, tend to underplay the role of ideas and discourse as drivers of institutional stability and change.
Are the determinants of financial inclusion always manipulable and rankable? A novel framework for examining financial inclusion interventions
In this blog, the author has attempted to summarise the vast literature on the determinants of financial inclusion using a framework developed by Moscona et al (2026).
Remedies for digital payment frauds
Static safeguards, targeting discrete acts of fraud, will only spur fraudsters to probe other vulnerabilities
Examining ‘Gender Gap’ in Financial Inclusion in India using the Global Findex Database 2025
This blog critically examines the concept of the “gender gap” in financial inclusion by distinguishing between unconditional differences and those that persist after controlling for socio-economic factors, using evidence from the Global Findex 2025 dataset
