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
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How Fintech is Solving for Debt Collections
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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 ↗
![](https://storage.googleapis.com/d91-assets/latest/Hero_Image_3_f297d87262/Hero_Image_3_f297d87262.jpg)
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Decoding the Fintech Revolution in Underwriting
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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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![image for undefined](https://storage.googleapis.com/d91-assets/latest/Hero_Image_Digital_lending_2_2_e7e641fb0d/Hero_Image_Digital_lending_2_2_e7e641fb0d.jpg)
Decoding Emerging Digital Lending Models in India
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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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Our projects
Tales of Bharat
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![image for undefined](https://storage.googleapis.com/d91-assets/latest/Hero_Image_4_1_66c685a4e6/Hero_Image_4_1_66c685a4e6.jpg)
How Fintech is Solving for Debt Collections
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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 ↗
![](https://storage.googleapis.com/d91-assets/latest/Hero_Image_3_f297d87262/Hero_Image_3_f297d87262.jpg)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/Hero_Image_3_f297d87262/Hero_Image_3_f297d87262.jpg)
Decoding the Fintech Revolution in Underwriting
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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.
See more ↗
![](https://storage.googleapis.com/d91-assets/latest/Hero_Image_Digital_lending_2_2_e7e641fb0d/Hero_Image_Digital_lending_2_2_e7e641fb0d.jpg)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/Hero_Image_Digital_lending_2_2_e7e641fb0d/Hero_Image_Digital_lending_2_2_e7e641fb0d.jpg)
Decoding Emerging Digital Lending Models in India
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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.
See more ↗
![](https://storage.googleapis.com/d91-assets/latest/Hero_Image_55b5d6aaa6/Hero_Image_55b5d6aaa6.png)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/Hero_Image_55b5d6aaa6/Hero_Image_55b5d6aaa6.png)
Understanding the Mechanics of Digital Lending in India
By
![Wamika Das](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6/Screenshot_2024_07_01_at_5_10_54_PM_0c34055dd6.png)
![Sripal Jain](https://storage.googleapis.com/d91-assets/latest/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05/Screenshot_2024_07_01_at_5_10_32_PM_821cb3ce05.png)
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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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![image for undefined](https://storage.googleapis.com/d91-assets/latest/cover_image_6_21b81146ce/cover_image_6_21b81146ce.jpg)
Declining Household Savings Rate: An Opportunity for Fintech?
By
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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.
See more ↗
![](https://storage.googleapis.com/d91-assets/latest/Blog_8_6_873ecac36d/Blog_8_6_873ecac36d.png)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/Blog_8_6_873ecac36d/Blog_8_6_873ecac36d.png)
Digitizing Traditional Retail: Promising Fintech Solutions for Indian Merchants
By
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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.
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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
![](https://storage.googleapis.com/d91-assets/latest/cover_image_6_21b81146ce/cover_image_6_21b81146ce.jpg)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/cover_image_6_21b81146ce/cover_image_6_21b81146ce.jpg)
Declining Household Savings Rate: An Opportunity for Fintech?
By
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
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.
See more ↗
![](https://storage.googleapis.com/d91-assets/latest/FINAL_new_design_Youtube_2bee1971ba/FINAL_new_design_Youtube_2bee1971ba.png)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/FINAL_new_design_Youtube_2bee1971ba/FINAL_new_design_Youtube_2bee1971ba.png)
Designing digital financial products for last-mile users
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
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](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
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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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 ↗
![](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
Monami Dasgupta
Head of Research
![](https://storage.googleapis.com/d91-assets/latest/Vinith_Kurian_34dc88749f/Vinith_Kurian_34dc88749f.jpg)
Vinith Kurian
Research Manager