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Reimagining fintech research for India

An initiative by

D91 Labs is a research entity dedicated to fostering fintech innovation in India by conducting cutting-edge research and developing fintech ideas that could address the unique challenges and opportunities of the Indian market. Through our research, we bridge the knowledge and empathy gap among stakeholders to improve digital financial services.
Our vision ↗

The latest from D91 Labs

IN FOCUS

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Imagining Digital Solutions for Small and Micro Retailers of India

By

Rajashree Gopalakrishnan

Our second blog in the series on digitising Indian retail businesses covers the various digital tools available and how they could benefit a small or micro retailer

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Digitizing Small and Micro-Merchants in India - What’s missing?

By

Vinith KurianMonami Dasgupta

Our first blog of this series explores the current landscape of small and micro-merchants in India and the potential for digitization to improve business outcomes.

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Embedded Finance - 101

By

Monami Dasgupta

This blog articulates the meaning, mechanisms and business motives behind offering embedded finance solutions.

Our projects

Digitisation of offline Indian merchants →

In this series, we discuss the digital interventions that can benefit small and medium-sized merchants in India and take their business to the next level.

Digital payments for the next half billion →

Through this series, we explore the opportunities and challenges that innovations in digital payments offer to the next half-billion.

ONDC—Revolutionising e-commerce for last-mile merchants →

Research on how ONDC could change the e-commerce experience for merchants in Bharat.

Insights from banking on women project →

Exploration of the financial journeys of women in Bharat—their financial decisions, management of money and financial aspirations.

Personal finance survey, 2020 →

A survey to understand financial choices made by consumers in banking—around income, expense, savings, investments, credit and insurance

Covid and fintech →

Research done through secondary sources and personal interviews, exploring the changes and challenges faced by fintech firms during the Covid-19 pandemic.

Future of data sharing →

A design toolkit to build better financial products for India, aligned with the regulatory framework for Account Aggregators and Indian data protection laws.

D91 Labs on YouTube →

A compilation of long and short form video content, created by D91 Labs.

Tales of Bharat

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Imagining Digital Solutions for Small and Micro Retailers of India

By

Rajashree Gopalakrishnan

Our second blog in the series on digitising Indian retail businesses covers the various digital tools available and how they could benefit a small or micro retailer

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Digitizing Small and Micro-Merchants in India - What’s missing?

By

Vinith KurianMonami Dasgupta

Our first blog of this series explores the current landscape of small and micro-merchants in India and the potential for digitization to improve business outcomes.

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Embedded Finance - 101

By

Monami Dasgupta

This blog articulates the meaning, mechanisms and business motives behind offering embedded finance solutions.

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Playbook: Designing Financial Products for the Women of Bharat

By

D91 Labs

Proposing ideas and interventions across the user journey by leveraging the insights collected from interviews in the Banking on Women series.

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Tricked by Design: Deceptive Patterns in Indian Fintech Apps

By

Vinith KurianRajashree GopalakrishnanMonami Dasgupta

We conducted an audit of popular fintech apps and assessed for deceptive design used by them. Here's what we found.

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Can ‘Offline’ Drive Digital Payments in India?

By

Vinith Kurian

In the fifth blog of the Digital Payments for the Next Half Billion series, we explore the importance of 'offline' digital payments in furthering financial inclusion in India.

Fuel your mind with the latest in fintech

We publish regularly on our blog, Tales of Bharat ↗ , where we share our research on financial inclusion, fintech, and the financial journeys of Indians.

Last mile chronicles

Banking on women

A series to document the financial journeys of women in Bharat, and how they manage their money, use digital services and make financial decisions.

Kirana chronicles

On-ground research to understand how small business owners make financial decisions

Blue collar

Real interviews chronicling the dreams and aspirations of India’s working class

Rural journeys

A research series focussed on the financial products women of Bharat have access to

Millennial banking

Interviews to chronicle the financial habits of young folk with disposable income

Highlights

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Embedded Finance - 101

By

Monami Dasgupta

This blog articulates the meaning, mechanisms and business motives behind offering embedded finance solutions.

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Women's obscure path from awareness to adoption of insurance products

By

Rajashree Gopalakrishnan

The fourth blog of the insights from the “Banking on Women” series covers our respondents’ views and apprehensions when it comes to insurance policies.

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Understanding Bharat better by simplifying UX research

By

Rajashree Gopalakrishnan

Our guest for the 7th episode of the D91 Labs Idea Series is Arjun Arora, Co-Founder and CEO of Betafi.

About D91 Labs

D91 Labs works to boost the financial lives of Bharat and embrace financial inclusion at the grassroots level. Our aim is to help fintech companies develop digital offerings for India. D91 Labs is the first such initiative of its kind in the Indian fintech space.
Our vision ↗

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Monami Dasgupta

Head of Research

Vinith Kurian

Research Manager