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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How Fintech is Solving for Debt Collections

By

Wamika DasSripal JainVinith Kurian

In our last blog of this series, we explore how fintech innovations are streamlining debt collections using tech solutions to improve efficiency and borrower experience.

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Decoding the Fintech Revolution in Underwriting

By

Wamika DasSripal JainVinith Kurian

In our third blog of the series, we explore how fintech companies transform the underwriting process with AI and machine learning, making credit more accessible for millions of Indians.

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Decoding Emerging Digital Lending Models in India

By

Wamika DasSripal JainVinith Kurian

In our second blog of the series, we delve into the digital lending models that enable fintechs to partner with regulated entities, securing the essential capital required for growth and innovation.

Our projects

Decoding Digital Lending in India →

In this series, we decode the fintech revolution taking place in digital lending that is poised to make credit accessible for millions of underserved Indians.

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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How Fintech is Solving for Debt Collections

By

Wamika DasSripal JainVinith Kurian

In our last blog of this series, we explore how fintech innovations are streamlining debt collections using tech solutions to improve efficiency and borrower experience.

image for undefined
Decoding the Fintech Revolution in Underwriting

By

Wamika DasSripal JainVinith Kurian

In our third blog of the series, we explore how fintech companies transform the underwriting process with AI and machine learning, making credit more accessible for millions of Indians.

image for undefined
Decoding Emerging Digital Lending Models in India

By

Wamika DasSripal JainVinith Kurian

In our second blog of the series, we delve into the digital lending models that enable fintechs to partner with regulated entities, securing the essential capital required for growth and innovation.

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Understanding the Mechanics of Digital Lending in India

By

Wamika DasSripal JainVinith Kurian

Our first blog of the series explores the process of digital lending highlighting the roles played by multiple entities including fintechs in democratising credit in India.

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Declining Household Savings Rate: An Opportunity for Fintech?

By

Vinith Kurian

The recent decline in household financial savings and the RBI's cautious approach to retail lending presents interesting opportunities for fintechs working on savings-based solutions.

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Digitizing Traditional Retail: Promising Fintech Solutions for Indian Merchants

By

Vinith Kurian

This blog explores potential fintech solutions like diverse payment methods, improved credit accessibility, and tailored insurance offerings for offline merchants that enable meaningful 'phygital' experiences for customers.

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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Declining Household Savings Rate: An Opportunity for Fintech?

By

Vinith Kurian

The recent decline in household financial savings and the RBI's cautious approach to retail lending presents interesting opportunities for fintechs working on savings-based solutions.

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Designing digital financial products for last-mile users

By

Monami Dasgupta

In this episode of D91 Labs Idea Series, we have with us Kanika Kumar and Anukriti Kedia from IDEO. Under the Last Mile Money program and based on the insights from 100+ financial products across the world, they have built a design guide to inspire teams to build financial products for new internet users. Are you a fintech or a financial institution that is building digital financial products for underserved last-mile users? Then this is an episode you don't want to miss!

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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.

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