Tales of Bharat

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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…
 • 
Vinith Kurian
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…
 • 
Vinith Kurian
1
Do people prefer financial advice generated by ChatGPT over certified human advisors? The response is surprising.
Can AI-generated financial advice compete with traditional human advice? Our survey findings reveal a shifting preference!
 • 
Monami Dasgupta
3
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Chit Fund 101
 • Monami Dasgupta
2
Tricked by Design: Deceptive Patterns in Indian Fintech Apps
 • Monami Dasgupta, Vinith Kurian, and Rajashree Gopalakrishnan
Imagining Digital Solutions for Small and Micro Retailers of India
 • Rajashree Gopalakrishnan
1
Banking on Women
 • Monami Dasgupta, Neeti Bhatt, and Kalpitha Jagadeesh
3
Understanding the Mechanics of Digital Lending in India
 • Sripal Jain, Wamika Das, and Vinith Kurian
Decoding Emerging Digital Lending Models in India
 • Sripal Jain, Wamika Das, and Vinith Kurian
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
4
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
2
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
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…
 • 
Sripal Jain
, 
Vinith Kurian
, and 
Wamika Das
Decoding RBI’s Recent Announcements: Enhanced Security, Financial Inclusion, and Consumer Protection
A deep-dive into the RBI's recent Monetary Policy Committee's announcements aimed at bolstering the security of digital transactions, enabling financial…
 • 
Vinith Kurian
ANNOUNCEMENT: D91 Labs Inner Circle is back!
We are thrilled to officially reopen applications for the D91 Labs Inner Circle.
 • 
Vinith Kurian
Tales of Bharat
Tales of Bharat
A publication from D91 Labs dedicated to fostering financial innovations by conducting high-quality research and developing fintech ideas for Bharat.

Tales of Bharat

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