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Navigating the Digitalisation of Finance: User experiences of risks and harms: by Amrita Sengupta, Chiara Furtado, Garima Agrawal, Nishkala Sekhar, Puthiya Purayil Sneha, and Vipul Kharbanda — published Apr 08, 2025 — last modified Apr 10, 2025 05:49 AM — filed under: Financial Platforms, Digital Financial Harms, Homepage, Digital Financial Services, Featured, Researchers at Work
Our study unpacks the experiences of marginalised users navigating the digitalisation of finance. Through a survey of 3,784 users, 18 interviews and 7 focus group discussions, our study’s findings highlight user experiences of risks and harms while accessing digital financial services, unpacking experiences specifically of persons with disabilities, transgender persons, gender and sexual minorities, elderly persons, women, regional language-first users, and persons facing digital and economic vulnerabilities.
Located in RAW
User Experiences of Digital Financial Risks and Harms: by Amrita Sengupta, Chiara Furtado, Garima Agrawal, Nishkala Sekhar, Puthiya Purayil Sneha, and Yesha Tshering Paul — published Dec 15, 2023 — last modified Dec 22, 2023 04:05 PM — filed under: Financial Technology, Financial Platforms, Digital Financial Harms, Researchers at Work, Featured, RAW Blog, Accessibility, Digital Lending, RAW Research, Research, Homepage
The reach and use of digital financial services has risen in recent years without a commensurate increase in digital literacy and access. Through this project, supported by a grant from Google(.)org, we will examine the landscape of potential risks and harms posed by digital financial services, and the disproportionate risk that information asymmetry and barriers to access pose for users, especially certain marginalised communities.
Located in RAW

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The Centre for Internet and Society (CIS) is a non-profit organisation that undertakes interdisciplinary research on internet and digital technologies from policy and academic perspectives. The areas of focus include digital accessibility for persons with disabilities, access to knowledge, intellectual property rights, openness (including open data, free and open source software, open standards, open access, open educational resources, and open video), internet governance, telecommunication reform, digital privacy, and cyber-security. The research at CIS seeks to understand the reconfiguration of social processes and structures through the internet and digital media technologies, and vice versa.

Through its diverse initiatives, CIS explores, intervenes in, and advances contemporary discourse and regulatory practices around internet, technology, and society in India, and elsewhere.