Tales of Bharat
Tales of Bharat is a blog by D91 Labs, where we regularly publish insights on fintech, financial inclusion and the financial journeys of Bharat.
Join us in our efforts by signing up for Inner circle ↗, a collaborative research initiative for anything fintech in India.
Recent articles
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Bridging the Gaps: Enabling Technology Adoption for Long-Tail Indian Retail
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![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
In our fourth blog, we explore several perceptions and misconceptions that retailers hold about adopting technology and identify principles and potential solutions that might help bridge this gap
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Identifying Technology Adoption Gaps Among Long-tail Merchants
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
In this blog, we uncover the barriers to long tail retailers' access to digital tools. Using formative research, we chart technology usage across various stages of their retail businesses.
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Imagining Digital Solutions for Small and Micro Retailers of India
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![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
Our second blog in the series on digitising Indian retail businesses covers the various digital tools available and how they could benefit a small or micro retailer
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Digitizing Small and Micro-Merchants in India - What’s missing?
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
Our first blog of this series explores the current landscape of small and micro-merchants in India and the potential for digitization to improve business outcomes.
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Embedded Finance - 101
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
This blog articulates the meaning, mechanisms and business motives behind offering embedded finance solutions.
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Playbook: Designing Financial Products for the Women of Bharat
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
Proposing ideas and interventions across the user journey by leveraging the insights collected from interviews in the Banking on Women series.
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Tricked by Design: Deceptive Patterns in Indian Fintech Apps
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
We conducted an audit of popular fintech apps and assessed for deceptive design used by them. Here's what we found.
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Can ‘Offline’ Drive Digital Payments in India?
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
In the fifth blog of the Digital Payments for the Next Half Billion series, we explore the importance of 'offline' digital payments in furthering financial inclusion in India.
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Women's obscure path from awareness to adoption of insurance products
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![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
The fourth blog of the insights from the “Banking on Women” series covers our respondents’ views and apprehensions when it comes to insurance policies.
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Understanding digital payment journeys of new to UPI users
By
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
For the 9th episode of the D91 Labs Idea Series, we have with us Beni Chugh and Srikara Prasad from Dvara Research’s Future of Finance initiative In this interview, we will delve deep into understanding the new-to-UPI user’s experience where our guests will share the findings from a behavioural study with 262 respondents from Kerala and Uttar Pradesh.
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Women’s choice between savings and investments to gain financial freedom
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![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
The third blog of the insights from the “Banking on Women” series covers our respondents’ views on savings, investments and emergency funds
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Can Credit on UPI drive Financial Inclusion in India?
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
Our fourth blog examines the implications of enabling credit on UPI for financial inclusion in India. Is it an effective concept or just a case of much ado about nothing?
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Women’s journey from access to the usage of bank accounts and digital payment platforms
By
![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
Blog one of this series contains insights on banking habits, digital payments and household expense tracking practices among the respondents.
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Voicing Their Needs: Can Voice Technology Make Payments Easier for Digital Newcomers?
By
![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
Our third blog of the Digital Payments for the Next Half Billion series explores if voice technology can bridge the digital divide and provide a more accessible way of making transactions digitally.
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Can WhatsApp drive financial inclusion in Rural India?
By
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
For the 8th episode of the D91 Labs Idea Series, we have with us Pooja Haldea and Vartika Shukla, from the Centre of Social and Behaviour Change (CSBC) at Ashoka university.
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Will ONDC solve problems faced by small sellers?
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![Rutvik Paikine](https://storage.googleapis.com/d91-assets/latest/Rutvik_Paikine_7cf3559d83/Rutvik_Paikine_7cf3559d83.png)
In this blog, we share insights from our interviews with small sellers in India on how they imagine ONDC will alter business for them.
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Can ‘e-RUPI’ enable digital payments for the unbanked?
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
In our second blog of the Digital Payment for the Next Half Billion series, we explain the e-RUPI voucher-based payment, its usefulness for 'Bharat', and potential design flaws that could derail it.
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Digital Pension - Making retirement planning easy for Bharat
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
Our guest for the 6th episode of the D91 Labs Idea Series is Kuldeep Parashar, Founder, and CEO of PensionBox.
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Has UPI Lite solved for small-value transactions in India?
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![Vinith Kurian](https://storage.googleapis.com/d91-assets/latest/PXL_20220902_024125648_PORTRAIT_c3eb211a8e/PXL_20220902_024125648_PORTRAIT_c3eb211a8e.jpg)
![Rajashree Gopalakrishnan](https://storage.googleapis.com/d91-assets/latest/Full_Size_Render_c5aaef39e7/Full_Size_Render_c5aaef39e7.jpg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
In our first blog for the Digital Payment for the Next Half Billion series, we explain the UPI Lite model, and its various use cases along with design suggestions for payment apps offering UPI Lite.
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Re-imagining B2B e-commerce with the advent of ONDC
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![Rutvik Paikine](https://storage.googleapis.com/d91-assets/latest/Rutvik_Paikine_7cf3559d83/Rutvik_Paikine_7cf3559d83.png)
ONDC might solve the distribution & discovery of small producers and sellers. Read to know how.
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Does ONDC address the competition concerns that plague Indian e-commerce?
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![Rutvik Paikine](https://storage.googleapis.com/d91-assets/latest/Rutvik_Paikine_7cf3559d83/Rutvik_Paikine_7cf3559d83.png)
In this blog, we closely evaluate the extent to which an unbundled and interoperable e-commerce network might undo existing competition concerns.
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Why do we need ONDC for e-commerce?
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
This blog is a quick introduction to the ONDC model and its intended purpose of providing better e-commerce access to the merchants of Bharat
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The QR code revolution in payments — what's missing?
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![Kalpitha Jagadeesh](https://storage.googleapis.com/d91-assets/latest/Photo_138137dd1f/Photo_138137dd1f.jpg)
Delving into digital payment usage patterns of small vendors, and the role of UX research and design in building financially inclusive products for new smartphone users.
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#17 Pavitra | The power of starting small
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![Kalpitha Jagadeesh](https://storage.googleapis.com/d91-assets/latest/Photo_138137dd1f/Photo_138137dd1f.jpg)
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
I am happy where I currently am because there have been many ups and downs in my life before. Therefore, I feel as long as things are going smoothly, it’s fine.
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Financial report card of the people of India (Assets)
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
We have parsed through the All India Debt and Investment Survey (2019) to map where Indians stand in terms of accessing and using financial products and services.
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Women are buyers, they cannot be sold to!
By
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
We hosted a webinar on women’s financial inclusion by bringing together the experience of 6 women working at the intersection of finance, tech & research for women. Here’s our final learnings!
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Every woman entrepreneur without exception has had to have jugaad to get her legs off the ground!
By
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
We hosted a webinar on women’s financial inclusion by bringing together the experience of 6 women working at the intersection of finance, tech & research for women. Here’s part 2 of our key learnings!
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Good girls don't talk about money!
By
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
We hosted a webinar on women’s financial inclusion by bringing together the experience of 6 women working at the intersection of finance, tech & research for women. Here’s part 1 of our key learnings!
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![](https://storage.googleapis.com/d91-assets/latest/Webinar_a268580077/Webinar_a268580077.jpeg)
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Moving from access to usage—Making formal finance work for women
By
![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
Join us on an insightful discussion on the many facets of a woman’s financial and entrepreneurship journey.
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Banking on women
By
![Kalpitha Jagadeesh](https://storage.googleapis.com/d91-assets/latest/Photo_138137dd1f/Photo_138137dd1f.jpg)
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
Introducing a series chronicling the financial journeys of the women of Bharat
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Pagdi rent system — 101
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
What if we told you that you could live in South Bombay and pay a rent of Rs. 500. Would you believe me? Well, you can. Read to know more
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Securing financial futures and the case for goal-based financial planning
By
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
Part 2 — How Indian households can turn their financial dreams to reality.
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Designing for Account Aggregators
By
![Dharmesh BA](https://storage.googleapis.com/d91-assets/latest/Dharmesh_BA_166489c709/Dharmesh_BA_166489c709.jpeg)
![Geetika Shukla](https://storage.googleapis.com/d91-assets/latest/Geetika_Shukla_622f0f5b8e/Geetika_Shukla_622f0f5b8e.jpeg)
![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
![Lakshmi Ajayan](https://storage.googleapis.com/d91-assets/latest/Anurag_Gupta_eed3563668/Anurag_Gupta_eed3563668.jpeg)
Design principles for data sharing through Account Aggregator apps.
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'Bridging' the data gap one consensual data transfer at a time.
By
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
What Jigneshbhai's daily life and activities tells us about account aggregators!
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![](https://storage.googleapis.com/d91-assets/latest/Financial_Planning01_cfcb52b887/Financial_Planning01_cfcb52b887.png)
![image for undefined](https://storage.googleapis.com/d91-assets/latest/Financial_Planning01_cfcb52b887/Financial_Planning01_cfcb52b887.png)
Securing financial futures and the case for goal-based financial planning
By
![Neeti Bhatt](https://storage.googleapis.com/d91-assets/latest/Neeti_Bhatt_f5630ee62d/Neeti_Bhatt_f5630ee62d.jpeg)
Part 1—Why do people 'save' the way they do?
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Can no-code and low-code applications boost digitization and financial inclusion?
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![Naresh](https://storage.googleapis.com/d91-assets/latest/Naresh_fdadd7680b/Naresh_fdadd7680b.jpeg)
Applications that empower small businesses and institutions in building a digital presence without detailed know-how in software development.
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The future of microloans—Part 2
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
Can tech aid in the implementation of the RBI's proposals?
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The future of microloans—Part 1
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![Atulaa Krishnamurthy](https://storage.googleapis.com/d91-assets/latest/Atulaa_Krishnamurthy_e5352a5bec/Atulaa_Krishnamurthy_e5352a5bec.jpeg)
![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
How RBI's new consultation paper provides impetus to innovate and places customers at the core of the sector.
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Chit Fund 101
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![Monami Dasgupta](https://storage.googleapis.com/d91-assets/latest/Monami_Dasgupta_39ecae917c/Monami_Dasgupta_39ecae917c.jpg)
How is a standard chit fund product designed and what makes this instrument so attractive
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India ❤️s F.D and they need a digital makeover!
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
Why Indian startups don't distribute F.Ds
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Whatsapp and the future of lending
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
What would an end to end digital experience using account aggregators look like?
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Tales of Bharat — Issue #14
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“To be successful, you have to have your heart in your business, and your business in your heart.” —Thomas Watson, IBM
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Tales of Bharat — Issue #13
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
“A small business is an amazing way to serve and leave an impact on the world you live in.” -Nicole Snow
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Tales of Bharat — Issue #12
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
Discussing millenial banking journeys in the context of neobanking
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Tales of Bharat — Issue #11
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
'How might we help micro-finance institutions to enable digital loan repayments in the times of COVID’
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Tales of Bharat — Issue #9
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![D91 Labs](https://storage.googleapis.com/d91-assets/latest/D91_9d1d68d69c/D91_9d1d68d69c.gif)
Most of India gets paid based on the hours they work, trips they complete, parcels they deliver or the days they cook. They are the only asset in their business. When they stop the business shuts. Think about it. In this edition we bring two such stories from the ‘other side’ in our Rural Journey series.
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