Vinith Kurian

Has UPI Lite solved for small-value transactions in India?

In our first blog for the Digital Payment for the Next Half Billion series, we explain the UPI Lite model, and its various use cases along with design suggestions for payment apps offering UPI Lite.

Can ‘e-RUPI’ enable digital payments for the unbanked?

In our second blog of the Digital Payment for the Next Half Billion series, we explain the e-RUPI voucher-based payment, its usefulness for 'Bharat', and potential design flaws that could derail it.

Digital Pension - Making retirement planning easy for Bharat

Our guest for the 6th episode of the D91 Labs Idea Series is Kuldeep Parashar, Founder, and CEO of PensionBox.

Voicing Their Needs: Can Voice Technology Make Payments Easier for Digital Newcomers?

Our third blog of the Digital Payments for the Next Half Billion series explores if voice technology can bridge the digital divide and provide a more accessible way of making transactions digitally.

Can Credit on UPI drive Financial Inclusion in India?

Our fourth blog examines the implications of enabling credit on UPI for financial inclusion in India. Is it an effective concept or just a case of much ado about nothing?

Can ‘Offline’ Drive Digital Payments in India?

In the fifth blog of the Digital Payments for the Next Half Billion series, we explore the importance of 'offline' digital payments in furthering financial inclusion in India.

Tricked by Design: Deceptive Patterns in Indian Fintech Apps

We conducted an audit of popular fintech apps and assessed for deceptive design used by them. Here's what we found.

Digitizing Small and Micro-Merchants in India - What’s missing?

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.

Identifying Technology Adoption Gaps Among Long-tail Merchants

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.

Enabling P2P Lending for India's Best Asset Class - Women Business Owners

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.

Digitizing Traditional Retail: Promising Fintech Solutions for Indian Merchants

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.

Declining Household Savings Rate: An Opportunity for Fintech?

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.

Understanding the Mechanics of Digital Lending in India

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.

Decoding Emerging Digital Lending Models in India

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.

Decoding the Fintech Revolution in Underwriting

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.

How Fintech is Solving for Debt Collections

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.

UPI's Next Frontier: Delegated Payments and the Future of Financial Access for Dependents

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?

Why Everybody Loves a Good PFM App but It's So Hard to Build One!

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!

Mapping consumer-led frauds in digital lending

Digital lending fraud is rising rapidly. This blog maps fraud risks across lending stages and explores how lenders can balance trust, innovation, and risk mitigation.

Outsmarting Fraudsters in Digital Lending: Detection and Mitigation Strategies for Lenders

Part 2 of our blog series maps how digital lenders are using AI, analytics, and collaboration to combat fraud, ensuring security while maintaining seamless UX in a rapidly evolving threat landscape.