Social Impact and Last Mile Inclusion

Large sections of India’s population remain excluded from digital financial systems—not because of lack of intent, but because current solutions assume constant connectivity, smartphones, literacy, and formal employment.Rural communities face unreliable internet and power. Women often lack independent access to devices, accounts, and consent-driven financial tools. Non-smartphone users are locked out of app-only services. Gig and informal workers, who form the backbone of the economy, are paid in cash and remain invisible to credit, insurance, and social security systems. These gaps are further compounded for refugees, older adults, and low-literacy users.

These communities face overlapping challenges — limited or unaffordable devices, low digital literacy, language and cultural barriers, fragmented identity records, and mistrust of centralized data collectors. Our programs prioritize inclusive, practical solutions: offline-capable tooling, low-bandwidth protocols, support for feature phones and smartcards, simplified UX, local-language flows, and privacy-preserving verifiable credentials with clear consent.

We partner with community organisations, local clinics and schools, and micro-entrepreneurs to co-design pilots, measure outcomes (adoption, retention, reduced friction), and iterate with users. We also explore affordability mechanisms and standards-based interoperability to reduce vendor lock-in while embedding local training and governance so communities retain agency over data stewardship.