Vinith Kurian

A revolution in finance is built on understanding real-world impact. And as one of the #BuildersOfFinternet, @vinithkurian is turning research into inclusion. Vinith's journey began with research in diverse communities, studying how innovative financial products can transform lives by giving people agency and opportunity. At Finternet Labs, Vinith embraces uncertainty, showing up each day ready to learn, pick problems, and build solutions that connect the internet to inclusion, one use case and deep research dive at a time. For him, true inclusion goes beyond access. The Finternet is about making value exchange as simple as sending an email or a message; intuitive, accessible, and human-centred. Watch the video on Youtube: youtu.be/PSlg01ky67w Become a part of the Finternet. Register as a volunteer here: finternetlab.io/support-our-wo… #Finternet #Inclusion

Across 3 days, we rolled up our sleeves to map early pilots - or calibrated takeoffs - in credit, identity, climate, and cross-border payments. The energy was real. Outcomes from this workshop are now shaping the next phase of Finternet Labs’ work. 3/4

India’s next digital leap isn’t about scale. It’s about trust. UPI moved ₹23.9T in April '25. Aadhaar verified 27B+ identities last FY. Ayushman Bharat touches 500M people. But the real test now? Data quality. #DigitalGovernance #DataQuality #DPI

Regulatory singularity’ might sound like sci-fi — but as @BryanZhangZ of @CambridgeJBS @CambridgeAltFin lays out, it may be a strategic necessity. It’s the vision of regulation that co-evolves with financial innovation in (near) real time.

🎧New Podcast Alert! What do astrology, global SaaS, and Indian capital controls have in common? They all collide at one chokepoint: cross-border payments. And where payments fail, trust breaks. Here's what we uncovered. 🔗Tune in: youtu.be/ppQjW3Ab2ck #trust #fintech

Think of your passport — it proves who you are, but it can be lost, forged, or stuck in manual checks. In our latest concept explainer, we explore how tokenization can make it do so much more. scalingtrust.substack.com/p/beyond-bits-… #Tokenization #ScalingTrust

Scaling Trust was thrilled to participate in the Tokenized Toast Club (TTC)—Bengaluru Edition event! Our Research Lead, @vinithkurian, moderated an insightful panel discussion on '#Tokenizing the Future: Infrastructure, Assets and Opportunities for #Startups'

📢 Catch @vinithkurian, Research Lead at Scaling Trust, speaking on "Building Personal Financial Solutions for Her" at Bharat Inclusion Sprint by @IIMAVentures 📍 Feb 27, Bengaluru Details ➡️ linkedin.com/feed/update/ur… #Fintech #Bengaluru #FinancialInclusion #ScalingTrust

The RBI has just released its Statement on Developmental and Regulatory Policies! These updates bring changes to lending practices, UPI limits, payment security, and more. Let’s break down what each update means for the financial ecosystem. 🧵👇 #RBI #Fintech #DigitalPayments

@_ssujan @sakshamm_bansal looks faster than the real one! :P

@sakshamm_bansal 🤩 Ok, me needs this.

Finished working on this beauty in Bali 🏎️

📣 FOR A LONG time, I have always dreamt of unbundling UPI and providing access to it's APIs as is to developers to build amazing things. Today, we realise that dream. We're launching the most advanced developer platform for UPI (for acceptance). 1/n

🔎 As fintechs consider funding options to fuel their lending platforms, they face critical choices in selecting the right model that balances risk, control, and potential revenue. We explore this in our second blog of our Digital Lending Series. d91labs.substack.com/p/decoding-eme…

@parthk_ @PeteJaison Thanks Parth. This is useful feedback.

@PeteJaison Caveat: My preference is probably representative of < 1% of people-who-track-finances TG

I've been speaking about personal finance management for the last several months. In order for us to go deeper in this, we need to understand how consumers think about their financial data. We've created a short survey for this. Please take a few mins and help fill up this form. surveymonkey.com/r/V8DFC3M

💰 Understanding the Mechanics of Digital Lending In India today, securing a loan is as simple as your last online order. in our latest blog, we're diving deep into how digital lending is democratizing access to credit and fuelling a $350 billion market. open.substack.com/pub/d91labs/p/…

🚨 Good news: Important updates in Health Insurance. IRDAI made some changes in health insurance, through their recently released regulations. These come in force from 1st April 2024. Thread 🧵👇🏻

Blume’s Indus Valley report 2024 estimates that India’s true consumption class (or the age-old question of what’s the true TAM) to be ~30M households or ~120M people. But there are a lot of misconceptions of who these people are. 1/n

We have UPI now, who even carries cash? Le Bharat: Average withdrawal: 500 Rupees Why?: Won’t get cash for next 3 days. Monday leave and no cash van Tuesday for village. Why not ATM?: Don’t have a debit card. Take one?: Cannot afford ₹ 118/- charges😶 Bharat!=India

I agree w/ many of these critiques: We need to be much more careful about ethics * We need ++ consideration of the harms v. benefits to participants, local ownership, alignment w/ national priorities etc. But, these are not unique to RCTs ~ why make them [always] the focus?

🌐 On this International Women's Day, we highlight our playbook for designing gender-intelligent interfaces in digital financial applications. This offers practical guidance for developing financial applications that address and reduce the gender gap in digital finance usage.

💡Declining Household Saving Rates: An Opportunity for Fintech? We deep-dive into this crucial topic in our latest blog! Read on to learn more! 🌐💡 d91labs.substack.com/p/declining-ho… PS: Happy Financial Literacy Week #FintechInnovation #Savings #FinancialInclusion #DigitalFinance #Bharat