About D91 Labs:

D91 labs is an open-source initiative by setu.co to help Bharat build great fintech products. We organize and publish user research, insights, and frameworks for fintechs in India.

About the newsletter:

‘Tales of Bharat’ is a research-based blog from D91 Labs. We write on topics related to financial inclusion, fintech, and the financial journeys of the people of India.

Read our research series:

Our qualitative research is published as stories under open source license for the community to consume. Do check them out on our medium publication

Banking on Women

Kirana Chronicles

Rural Journeys

Millennial Banking

Inner Circle


Monami Dasgupta
Head of Research, D91 Labs
Kalpitha Jagadeesh
Designer | Researcher | Architect
Anurag Gupta
Learner focusing on Life and Product Thinking. Working in product in fintech industry in India. Articles are my personal opinions, and do not reflect views of my organizations.
Neha Beri
Product Manager at Principal Financial Group. Interested in all things product, technology and finance
Vishal Ramprasad
Interested in: - The complexities of cities and its systems - Digital and financial inclusion - Emerging tech and its ethical, social and political implications and - Dogs!
Neeti Bhatt
Lawyer, researcher and curious about all things finance, tech and inclusion.
D91 Labs
We are an open design community for fintech
Anushri Uttarwar
A law student (delightfully) stuck in a matrix, where technology, finance, and law intersect.
Rajashree Gopalakrishnan
Researcher at D91 Labs.