Insights on the relevance and suitability of technology enabled solutions for financial inclusion have been limited and mostly anecdotal. Among other factors, this lack of understanding of consumer-technology interaction has hindered entrepreneurs from developing effective solutions for the underserved. The Bharat Inclusion Research Fellowship is our effort towards generating deep knowledge of the needs, habits, preferences and constraints of the financially underserved segment in India. The insights generated will be channeled towards identification of gaps and opportunities in the financial inclusion space.
We commit financial support, research mentorship and networking support to Fellows researching on specific topics. We connect Fellows to peers, subject matter experts and academicians for guidance, review and dissemination. Fellows are also extended access to an in-house researcher specializing in financial inclusion and to designing resources for collaboration and assistance with publication of articles, papers and reports.
Call for research was floated seeking research proposals from researchers, academics and industry professionals/practitioners with strong interest in the area of financial inclusion. Received proposals were reviewed by a steering committee of field experts and academics. Six fellowships were shortlisted covering a range of focus areas with the objective of generating astute insights on financial needs, product perceptions and strategies to serve the economically marginalized consumer segments.
Usage and Cross-Usage of Digital Financial Services across Agri Value Chains
Farmers face a number of challenges in adopting various digital solutions that cater to their segment. We aim to study elements of design of the available applications that influence the usability and cross-usability of solutions for farmers and other stakeholders in agricultural value chains.
Exploring a new paradigm for contracts
Information asymmetry is one of the key features of data protection regimes the world over. In India, there is a need to explore creation of contracts that can communicate information across literacy levels and language barriers. Towards this, my study intends to develop proof of concept for an easy to configure graphic language platform for data privacy notices that may be used by contract creators and users alike.
Independent Legal Expert
Financial Lives of Urban Poor
Households residing in urban slums face risks arising from sub-optimal financial portfolio allocation in addition to other social and economic risks. I aim to understand the nature of these portfolios and explore the design for potential interventions that improve their overall financial well-being.
Research Analyst, Dvara Research and PhD Student, TISS
Perception and Impact of Open Banking Products on Financial Inclusion Consumer Segment of India
Proposed study is aimed to understand the perception and map needs of FI segment customers towards upcoming open banking products.
Deputy Manager - Innovations, National Payments Corporation of India (NPCI)
Consultant - Digital Banking & Payments
Asking the right question: Reducing financial skill asymmetry between distributors and retail investors
This project proposes to design and test an intervention that will nudge households to ask the right question when faced with a financial distributor. The objective is to make it possible for households to assess for themselves whether they deem a particular financial product appropriate and suitable by guiding them through the process of decision-making. This is based on our assessment that households do not know what they do not know and traditional models of financial advice are plagued with trust issues as are household interactions with financial product distributors.
Faculty, National Institute of Public Finance and Policy (NIPFP)
Post-Doctoral Fellow, University of Warwick
Faculty, University of Warwick
The Impact of Digital Technology on Financial Inclusion and the Performance of Micro-Entrepreneurs
This study seeks to use learnings from network theory and behavioral sciences to design a protocol to improve the knowledge, acceptability and adoption of digital payments among low-income consumers and micro-merchants. We further seek to evaluate the impact of increased usage of digital payments on the business strategies, practices and performance of individual micro-merchants.
Alliance Manchester Business School, University of Manchester
Cambridge Centre for India and Global Business, Judge Business School, University of Cambridge