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
Transforming Credit Access with Digitized Life Insurance Policies
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This article explores how digitized financial assets like life insurance policies can enable credit access for underserved households, offering affordable liquidity and building credit profiles.
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Can digital payments increase the access to capital for a small business?
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Using proprietor data from the Indifi - a lending fintech, this research paper highlights the positive relationship between digital payments and fintech lending in India.
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Why Everybody Loves a Good PFM App but It's So Hard to Build One!
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Can PFM apps transform personal finance? With AI, automation, and the Account Aggregator framework, they might finally deliver the smarter, personalized insights users need to stay engaged!
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Our projects
Tales of Bharat
Transforming Credit Access with Digitized Life Insurance Policies
By
This article explores how digitized financial assets like life insurance policies can enable credit access for underserved households, offering affordable liquidity and building credit profiles.
See more ↗
Can digital payments increase the access to capital for a small business?
By
Using proprietor data from the Indifi - a lending fintech, this research paper highlights the positive relationship between digital payments and fintech lending in India.
See more ↗
Why Everybody Loves a Good PFM App but It's So Hard to Build One!
By
Can PFM apps transform personal finance? With AI, automation, and the Account Aggregator framework, they might finally deliver the smarter, personalized insights users need to stay engaged!
See more ↗
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?
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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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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
Why Everybody Loves a Good PFM App but It's So Hard to Build One!
By
Can PFM apps transform personal finance? With AI, automation, and the Account Aggregator framework, they might finally deliver the smarter, personalized insights users need to stay engaged!
See more ↗
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 ↗
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