Hi everyone, We are glad to share a report that Centre for Internet and Society, India has released on ‘Navigating the Digitalisation of Finance: User experiences of risks and harms’. In this report, we unpack experiences of marginalised users navigating the digitalisation of finance in India. Through a survey of 3,784 users, 18 interviews and 7 focus group discussions, our findings highlight user experiences of risks and harms while accessing digital financial services, foregrounding experiences of persons with disabilities, transgender persons, gender and sexual minorities, elderly persons, women, regional language-first users, and persons facing digital and economic vulnerabilities. We highlight gaps in access and accessibility for marginalised users, their experiences with exclusions, inadequate platform design, and other socioeconomic harms when using digital financial services and accessing social protection. We also discuss users’ experiences of digital financial fraud in the context of increasingly complex ways used to defraud users, and challenges users face with redressal. You can find the full report online here: https://cis-india.org/raw/navigating-the-digitalisation-of-finance We welcome your feedback and encourage you to share the report with your networks. Best, Chiara (on behalf of the digital harms team at CIS) -- Chiara Furtado Senior Researcher Centre for Internet and Society +91 6360112829