D91 Labs—our vision

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


What we research on

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 quite often accustomed to digital products and can be onboarded with ease. This, however, is not representative of our country as a whole.

Large parts of India are still part of the informal economy. People 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 better and design financial solutions for them.


Who we research for

The research and design insights we generate 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


Our output

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