Reimagining fintech research for India
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


Imagining Digital Solutions for Small and Micro Retailers of India
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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?
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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
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This blog articulates the meaning, mechanisms and business motives behind offering embedded finance solutions.
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Our projects
Tales of Bharat


Imagining Digital Solutions for Small and Micro Retailers of India
By

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
See more ↗


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


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.
See more ↗


Embedded Finance - 101
By

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
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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
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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?
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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.
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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
Highlights


Embedded Finance - 101
By

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


Women's obscure path from awareness to adoption of insurance products
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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
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Our guest for the 7th episode of the D91 Labs Idea Series is Arjun Arora, Co-Founder and CEO of Betafi.
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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 ↗

Monami Dasgupta
Head of Research

Vinith Kurian
Research Manager