D91 Labs—our vision

Build an open source community to provide resources for fintech and financial inclusion


D91 Labs conducts in-depth research to empower fintech creators, developers and designers to build high-quality financial products for Indians.

Usually, financial services are built for people with steady incomes, who are accustomed to digital products and can be onboarded with ease. This, however, does not represent all of India.

Many Indians are still part of the informal economy. They earn variable incomes, undertake mostly cash-based transactions and depend highly on informal sources to service their financial needs. We are yet to understand their lives and design better financial solutions for them.


A brief history of D91 Labs


Who we research for

All our research and design insights are open source, to support the work and efforts of various stakeholders in the fintech ecosystem—

Fintech and financial institutions

User researchers and designers

Regulatory and industry bodies

Last mile customers


What we publish

Know more about our work or collaborate with us—

  • Reach out to us on d91@setu.co

  • Join the Inner circle, to collaborate with D91

  • Subscribe to our blog, Tales of Bharat, for write-ups on financial inclusion, fintech, and the financial journeys of Indians