Tales of Bharat

D91 Labs
At D91 we aim to understand the financial journeys of last-mile customers. Our research attempts to bridge the knowledge and empathy gap between various stakeholders of the digital financial services community.
Created 08 Aug 2019
  • Covid-19 Pandemic and the Fintech Industry - Key Takeaways
    12 Nov 2021 • 5 min read
    Our introductory blog provides a quick overview of this study. The Covid-19 pandemic had a strong and loud impact on the fintech industry in India. The pandemic witnessed a significant change in consu...
  • Covid-19 Pandemic and the Fintech Industry
    21 Oct 2021 • 1 min read
    Covid-19 had a strong impact on the fintech industry in India. Strict lockdown restrictions to enforce physical distancing have pushed people to adopt digital payments platforms overnight. The fintech...
  • Banking for Rural Bharat
    01 Oct 2021 • 7 min read • 1 0
    “Banking is necessary, but banks are not” – Bill Gates, 1994. This was a powerful statement for the 1990’s. Up until then, an individual’s bank was an integral (albeit, sometimes formidable) instituti...
  • The fintech call for women-led businesses
    20 Sep 2021 • 10 min read • 2 0
    From adeptly saving small amounts of money for personal expenses, intuitively managing the entire household income to running multi-million dollar businesses, women of Bharat have been forging their f...
  • Credit where credit is due - Enabling MSME businesses through the AA framework
    10 Sep 2021 • 11 min read • 3 0
    MSMEs a.k.a. micro, small and medium enterprises are undeniably the lifeblood of the Indian economy. What’s more? About 20% of MSMEs are rural-based, which means a significant section of deployment of...
  • Bridging the credit gap with 'Buy now Pay Later' products
    03 Sep 2021 • 10 min read • 5 4
    Role of credit Credit is a key driver of personal and economic growth. It allows a person to borrow from potential future income to fulfill needs and aspirations today. However, access to formal credi...
  • Pagdi rent system - 101
    27 Aug 2021 • 6 min read • 4 0
    Imagine you live in a prime location in Mumbai like Colaba or Worli, facing the sea, surrounded by high-rise buildings, and maybe even spotting a celebrity every now and then. Like a dream, isn’t it? ...
  • Securing financial futures and the case for goal based financial planning
    20 Aug 2021 • 5 min read
    Where were we? “A goal without a plan is just a wish”. When the French writer Antoine de Saint-Exupéry said this in the early 1900s, he was probably not talking about financial planning but it rings t...
  • Designing for Account Aggregators
    17 Aug 2021 • 6 min read • 2 0
    Design principles for data sharing through Account Aggregator apps. Usually, a person’s or entity’s financial data is spread across multiple financial institutions. For instance, a person’s savings ac...
  • 'Bridging' the data gap one consensual data transfer at a time.
    13 Aug 2021 • 6 min read • 1 0
    Let us weave you a story of Jigneshbhai, an upstanding member of a small village in Gujarat in the late 1960s. Jigneshbhai spent most evenings with a small cohort of businessmen in his village discuss...
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