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Blog Entry 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: , , , , ,
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.
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We invite researchers, practitioners, artists, and theoreticians, both organisationally and as individuals, to engage with us on topics related internet and society, and improve our collective understanding of this field. To discuss such possibilities, please write to us at communications[at]cis-india[dot]org with an indication of the form and the content of the collaboration you might be interested in.

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About Us

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.

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