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


Bridging the Gaps: Enabling Technology Adoption for Long-Tail Indian Retail
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In our fourth blog, we explore several perceptions and misconceptions that retailers hold about adopting technology and identify principles and potential solutions that might help bridge this gap
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Identifying Technology Adoption Gaps Among Long-tail Merchants
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In this blog, we uncover the barriers to long tail retailers' access to digital tools. Using formative research, we chart technology usage across various stages of their retail businesses.
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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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Our projects
Tales of Bharat


Designing digital financial products for last-mile users
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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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Bridging the Gaps: Enabling Technology Adoption for Long-Tail Indian Retail
By

In our fourth blog, we explore several perceptions and misconceptions that retailers hold about adopting technology and identify principles and potential solutions that might help bridge this gap
See more ↗


Identifying Technology Adoption Gaps Among Long-tail Merchants
By


In this blog, we uncover the barriers to long tail retailers' access to digital tools. Using formative research, we chart technology usage across various stages of their retail businesses.
See more ↗


Enabling P2P Lending for India's Best Asset Class - Women Business Owners
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For the 10th episode of the D91 Labs Idea Series, we have with us Neha Juneja, Co-founder and CEO at IndiaP2P. In this interview, we will delve deep into how IndiaP2P is championing women-owned businesses, and revolutionizing P2P lending by making the process of investor capital reaching the last mile more efficient.
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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?
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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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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
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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
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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 digital payment journeys of new to UPI users
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For the 9th episode of the D91 Labs Idea Series, we have with us Beni Chugh and Srikara Prasad from Dvara Research’s Future of Finance initiative In this interview, we will delve deep into understanding the new-to-UPI user’s experience where our guests will share the findings from a behavioural study with 262 respondents from Kerala and Uttar Pradesh.
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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