The behavioural mechanics that make notice-and-consent models ineffective
In this post, we present our findings from our literature review based on which we conducted the behavioural study.
Designing effective consent artefacts under the Account Aggregator framework
Dvara Research and Final Mile are collaborating on a behavioural science informed primary study to unpack the barriers that customers currently face in engaging with and understanding consent artefacts….
Making UPI payments more customer-centric for new-to-UPI users
This study was conducted through a donation from WhatsApp Pay. All material created under this study is made available as a public good, accessible through this page.
Can information disclosures influence life insurance purchase decisions for low-income households?
This report documents the results from a study conducted to understand if information disclosures can influence life insurance purchase decisions for low-income households. The study finds that accurate disclosures…
Managed Competition in Colombia
The embedment of managed competition principles in an environment characterized by low-state presence and weak rule of law makes Colombia an interesting setting to analyse, holding valuable lessons for…
Health Insurance Ownership in India
In this study, we conduct a quantitative analysis of household finance data to understand the status of health insurance ownership in India, identify the determinants of health insurance ownership,…
Managed Competition in the National Health Insurance System of Israel
In this paper, we characterise the National Health Insurance system of Israel, its universal public healthcare system, as one which has adopted managed competition and achieved remarkable outcomes. We…
NSSO’s latest Debt and Investment survey points to significant disparities in net worth among Indian households
In this post, we find that the distribution of net worth is skewed as there is a higher concentration of households with lower levels of net worth. It is…
Report: The costs of using Buy Now, Pay Later (BNPL) products (Updated November 2022)
This report studies the BNPL market in India to understand
the costs customers can incur in using them based on (i) analysing publicly available information,
(ii) recording experiences of using BNPL…
Towards designing UPI services for constrained users
This blog post summarises literature regarding users who are most likely to face difficulties in using digital payments, and some design principles and best practices that could simplify digital…