Financial Inclusion

Investment Strategy

Omidyar Network India invests in the pioneering use of technology, from mobile to electronic currency, to make financial products more affordable, flexible, and convenient. Moreover, we work closely with entrepreneurs to ensure that these innovations are responsibly and successfully brought to market. Thus, we support policy reforms, consumer research, and innovations that deliver formal financial services to the mass market. In India, we support financial services targeted at the next half billion, small businesses, and small and marginal farmers in improving their financial outcomes.

Our work focuses on the following themes

• Consumer-centric neo-banks: Digital only, mobile-first banks that give consumers greater control over finances by delivering highly personalised service at lower costs.
• InsureTech: Business models that disrupt insurance markets with data, technology, and customer-centric design.
• Digital credit: Digital innovations that expand access to formal credit, particularly for small businesses, informal workers, low-income households, and for income-generating uses.
• Modernising regulation: Supporting regulation and supervision of finance to be digitally native, innovation-friendly, consumer-centric, and risk-proportionate by working with regulators, policy entrepreneurs, and tech innovators.