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
UPI's Next Frontier: Delegated Payments and the Future of Financial Access for Dependents
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Delegated payments on UPI could be pivotal in empowering dependents and underserved users with secure access to digital finance. Could it also unlock downstream financial products for them?
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Do people prefer financial advice generated by ChatGPT over certified human advisors?
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Can AI-generated financial advice compete with traditional human advice? Our survey findings reveal a shifting preference!
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How Fintech is Solving for Debt Collections
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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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Our projects
Tales of Bharat
UPI's Next Frontier: Delegated Payments and the Future of Financial Access for Dependents
By
Delegated payments on UPI could be pivotal in empowering dependents and underserved users with secure access to digital finance. Could it also unlock downstream financial products for them?
See more ↗
Do people prefer financial advice generated by ChatGPT over certified human advisors?
By
Can AI-generated financial advice compete with traditional human advice? Our survey findings reveal a shifting preference!
See more ↗
How Fintech is Solving for Debt Collections
By
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.
See more ↗
Decoding the Fintech Revolution in Underwriting
By
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
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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
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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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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
UPI's Next Frontier: Delegated Payments and the Future of Financial Access for Dependents
By
Delegated payments on UPI could be pivotal in empowering dependents and underserved users with secure access to digital finance. Could it also unlock downstream financial products for them?
See more ↗
Do people prefer financial advice generated by ChatGPT over certified human advisors?
By
Can AI-generated financial advice compete with traditional human advice? Our survey findings reveal a shifting preference!
See more ↗
Declining Household Savings Rate: An Opportunity for Fintech?
By
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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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