Personal finance survey

At D91 Labs, we noticed a gap in understanding how ordinary people in India make decisions about their money. What drives them? What scares them? To get to the heart of these questions, Personal Finance Survey was launched in April 2020 during the lockdown. A total of 452 responses were recorded. The results of the survey were analysed and published as a report for public consumption. 

(PS: This project was conceived and executed by Dharmesh Ba with the help of colleagues at Setu. Dharmesh established D91 Labs for Setu, India's first user research lab focused on Fintech.)

CLIENT

D91 Labs

YEAR

2020

TAGS

Survey

hand picked client list

TESTIMONIALS

I haven't seen such detailed and exhaustive data collection from a research team! Moreover, this team makes the research findings relatable & concise to consume, unlike the 200 pagers one will never return to 🥲

Nandini Gangal

Lead Experice Designer, CRED

I am a big fan & happy customer of 1990 Research Labs. I have following been following Dharmesh’s work long before he started his own company. So when we needed help in setting up and calling the research function at Jar. Dharmesh and 1990 Research Labs were the first (and only ) names that came to our minds. They are a rare mixture of domain knowledge and Procedural rigor. Unlike most research firms that have a clinical and domain-agnostic approach to business and who end up spreading themselves too thin in trying to serve anyone and everyone 1990 Research Labs has chosen their niche, a niche they understand and feel passionate about. I recommend them to everyone. You can’t go wrong with them.

Prashant Singh

Head of Product, Jar

We got in touch with 1990 Labs for a foundational study before we set up the research team at ALLEN. Dharmesh made sure he understood the problem statement and asked all the right questions. He was really good at managing all key stakeholders and collaborated with us just like an internal team member would. The final insights shared were really helpful and helped us build the product strategy. Would definitely recommend working with Dharmesh.

Neelam Gulrajani

Head of Design, Allen Digital

Having worked with Dharmesh on multiple projects in the past, I have developed a high regard to the style of in-depth user research he does. He has the knack to uncover unique insights through deep empathy for the user and approaches each project without any preconceived notions. I come away smarter after each conversation with him & am happy to strongly recommend him to friends across the industry.

Krishna Hegde

Co-Founder, PYOR

Dharmesh played a pivotal role in setting up our research practice at Plum, leading initial projects and crafting a comprehensive research playbook. His expertise in product design was crucial in integrating user research seamlessly into our product development process.

Saurabh Arora

Co-Founder and CPTO, Plum Insurance

Best in industry for UX research, especially for those very specific India first problems — Dharmesh is bubbling with ideas for how to design better for the average customer, with an equal sharp eye on practical implementation and execution. These are often backed my strong research chops and empathy for users (more rare than you would think in product/tech teams!) Would recommend highly at any stage of product development (concept to final UX audit).

Lizann Fernandez

Director, Jupiter.Money

At Antler India, we had Dharmesh come in for a session on user research and spend some time with our founders addressing their questions around user research for their problem statements. Dharmesh expressed keen interest in understanding the cohort, their strengths, fears and helped them validate or even better, invalidate their ideas with his vast experience. The best thing for us at Antler India was when some founders decided to drop their problem statements after one round of user research based on Dharmesh's frameworks. And they moved to a more compelling problem statement unmarred by any subjectivity from their side!

Nandini Vishwanath

Program Director, Antler VC

I have worked with Dharmesh over multiple years and companies and always seen excellent insights on the Indian psyche towards finance that weren't evident otherwise as I was too cut off from the demographic. Spending time with Dharmesh on how he conducts research, I was also able to incorporate some techniques into my own product research activities.

Phalgun Guduthur

Head of Product, Phyllo

TESTIMONIALS

I haven't seen such detailed and exhaustive data collection from a research team! Moreover, this team makes the research findings relatable & concise to consume, unlike the 200 pagers one will never return to 🥲

Nandini Gangal

Lead Experice Designer, CRED

I am a big fan & happy customer of 1990 Research Labs. I have following been following Dharmesh’s work long before he started his own company. So when we needed help in setting up and calling the research function at Jar. Dharmesh and 1990 Research Labs were the first (and only ) names that came to our minds. They are a rare mixture of domain knowledge and Procedural rigor. Unlike most research firms that have a clinical and domain-agnostic approach to business and who end up spreading themselves too thin in trying to serve anyone and everyone 1990 Research Labs has chosen their niche, a niche they understand and feel passionate about. I recommend them to everyone. You can’t go wrong with them.

Prashant Singh

Head of Product, Jar

We got in touch with 1990 Labs for a foundational study before we set up the research team at ALLEN. Dharmesh made sure he understood the problem statement and asked all the right questions. He was really good at managing all key stakeholders and collaborated with us just like an internal team member would. The final insights shared were really helpful and helped us build the product strategy. Would definitely recommend working with Dharmesh.

Neelam Gulrajani

Head of Design, Allen Digital

Having worked with Dharmesh on multiple projects in the past, I have developed a high regard to the style of in-depth user research he does. He has the knack to uncover unique insights through deep empathy for the user and approaches each project without any preconceived notions. I come away smarter after each conversation with him & am happy to strongly recommend him to friends across the industry.

Krishna Hegde

Co-Founder, PYOR

Dharmesh played a pivotal role in setting up our research practice at Plum, leading initial projects and crafting a comprehensive research playbook. His expertise in product design was crucial in integrating user research seamlessly into our product development process.

Saurabh Arora

Co-Founder and CPTO, Plum Insurance

Best in industry for UX research, especially for those very specific India first problems — Dharmesh is bubbling with ideas for how to design better for the average customer, with an equal sharp eye on practical implementation and execution. These are often backed my strong research chops and empathy for users (more rare than you would think in product/tech teams!) Would recommend highly at any stage of product development (concept to final UX audit).

Lizann Fernandez

Director, Jupiter.Money

Best in industry for UX research, especially for those very specific India first problems — Dharmesh is bubbling with ideas for how to design better for the average customer, with an equal sharp eye on practical implementation and execution. These are often backed my strong research chops and empathy for users (more rare than you would think in product/tech teams!) Would recommend highly at any stage of product development (concept to final UX audit).

Lizann Fernandez

Director, Jupiter.Money

At Antler India, we had Dharmesh come in for a session on user research and spend some time with our founders addressing their questions around user research for their problem statements. Dharmesh expressed keen interest in understanding the cohort, their strengths, fears and helped them validate or even better, invalidate their ideas with his vast experience. The best thing for us at Antler India was when some founders decided to drop their problem statements after one round of user research based on Dharmesh's frameworks. And they moved to a more compelling problem statement unmarred by any subjectivity from their side!

Nandini Vishwanath

Program Director, Antler VC

I have worked with Dharmesh over multiple years and companies and always seen excellent insights on the Indian psyche towards finance that weren't evident otherwise as I was too cut off from the demographic. Spending time with Dharmesh on how he conducts research, I was also able to incorporate some techniques into my own product research activities.

Phalgun Guduthur

Head of Product, Phyllo

TESTIMONIALS

I haven't seen such detailed and exhaustive data collection from a research team! Moreover, this team makes the research findings relatable & concise to consume, unlike the 200 pagers one will never return to 🥲

Nandini Gangal

Lead Experice Designer, CRED

I am a big fan & happy customer of 1990 Research Labs. I have following been following Dharmesh’s work long before he started his own company. So when we needed help in setting up and calling the research function at Jar. Dharmesh and 1990 Research Labs were the first (and only ) names that came to our minds. They are a rare mixture of domain knowledge and Procedural rigor. Unlike most research firms that have a clinical and domain-agnostic approach to business and who end up spreading themselves too thin in trying to serve anyone and everyone 1990 Research Labs has chosen their niche, a niche they understand and feel passionate about. I recommend them to everyone. You can’t go wrong with them.

Prashant Singh

Head of Product, Jar

We got in touch with 1990 Labs for a foundational study before we set up the research team at ALLEN. Dharmesh made sure he understood the problem statement and asked all the right questions. He was really good at managing all key stakeholders and collaborated with us just like an internal team member would. The final insights shared were really helpful and helped us build the product strategy. Would definitely recommend working with Dharmesh.

Neelam Gulrajani

Head of Design, Allen Digital

Having worked with Dharmesh on multiple projects in the past, I have developed a high regard to the style of in-depth user research he does. He has the knack to uncover unique insights through deep empathy for the user and approaches each project without any preconceived notions. I come away smarter after each conversation with him & am happy to strongly recommend him to friends across the industry.

Krishna Hegde

Co-Founder, PYOR

Dharmesh played a pivotal role in setting up our research practice at Plum, leading initial projects and crafting a comprehensive research playbook. His expertise in product design was crucial in integrating user research seamlessly into our product development process.

Saurabh Arora

Co-Founder and CPTO, Plum Insurance

Best in industry for UX research, especially for those very specific India first problems — Dharmesh is bubbling with ideas for how to design better for the average customer, with an equal sharp eye on practical implementation and execution. These are often backed my strong research chops and empathy for users (more rare than you would think in product/tech teams!) Would recommend highly at any stage of product development (concept to final UX audit).

Lizann Fernandez

Director, Jupiter.Money

At Antler India, we had Dharmesh come in for a session on user research and spend some time with our founders addressing their questions around user research for their problem statements. Dharmesh expressed keen interest in understanding the cohort, their strengths, fears and helped them validate or even better, invalidate their ideas with his vast experience. The best thing for us at Antler India was when some founders decided to drop their problem statements after one round of user research based on Dharmesh's frameworks. And they moved to a more compelling problem statement unmarred by any subjectivity from their side!

Nandini Vishwanath

Program Director, Antler VC

I have worked with Dharmesh over multiple years and companies and always seen excellent insights on the Indian psyche towards finance that weren't evident otherwise as I was too cut off from the demographic. Spending time with Dharmesh on how he conducts research, I was also able to incorporate some techniques into my own product research activities.

Phalgun Guduthur

Head of Product, Phyllo

TESTIMONIALS

I haven't seen such detailed and exhaustive data collection from a research team! Moreover, this team makes the research findings relatable & concise to consume, unlike the 200 pagers one will never return to 🥲

Nandini Gangal

Lead Experice Designer, CRED

I am a big fan & happy customer of 1990 Research Labs. I have following been following Dharmesh’s work long before he started his own company. So when we needed help in setting up and calling the research function at Jar. Dharmesh and 1990 Research Labs were the first (and only ) names that came to our minds. They are a rare mixture of domain knowledge and Procedural rigor. Unlike most research firms that have a clinical and domain-agnostic approach to business and who end up spreading themselves too thin in trying to serve anyone and everyone 1990 Research Labs has chosen their niche, a niche they understand and feel passionate about. I recommend them to everyone. You can’t go wrong with them.

Prashant Singh

Head of Product, Jar

We got in touch with 1990 Labs for a foundational study before we set up the research team at ALLEN. Dharmesh made sure he understood the problem statement and asked all the right questions. He was really good at managing all key stakeholders and collaborated with us just like an internal team member would. The final insights shared were really helpful and helped us build the product strategy. Would definitely recommend working with Dharmesh.

Neelam Gulrajani

Head of Design, Allen Digital

Having worked with Dharmesh on multiple projects in the past, I have developed a high regard to the style of in-depth user research he does. He has the knack to uncover unique insights through deep empathy for the user and approaches each project without any preconceived notions. I come away smarter after each conversation with him & am happy to strongly recommend him to friends across the industry.

Krishna Hegde

Co-Founder, PYOR

Dharmesh played a pivotal role in setting up our research practice at Plum, leading initial projects and crafting a comprehensive research playbook. His expertise in product design was crucial in integrating user research seamlessly into our product development process.

Saurabh Arora

Co-Founder and CPTO, Plum Insurance

Best in industry for UX research, especially for those very specific India first problems — Dharmesh is bubbling with ideas for how to design better for the average customer, with an equal sharp eye on practical implementation and execution. These are often backed my strong research chops and empathy for users (more rare than you would think in product/tech teams!) Would recommend highly at any stage of product development (concept to final UX audit).

Lizann Fernandez

Director, Jupiter.Money

At Antler India, we had Dharmesh come in for a session on user research and spend some time with our founders addressing their questions around user research for their problem statements. Dharmesh expressed keen interest in understanding the cohort, their strengths, fears and helped them validate or even better, invalidate their ideas with his vast experience. The best thing for us at Antler India was when some founders decided to drop their problem statements after one round of user research based on Dharmesh's frameworks. And they moved to a more compelling problem statement unmarred by any subjectivity from their side!

Nandini Vishwanath

Program Director, Antler VC

I have worked with Dharmesh over multiple years and companies and always seen excellent insights on the Indian psyche towards finance that weren't evident otherwise as I was too cut off from the demographic. Spending time with Dharmesh on how he conducts research, I was also able to incorporate some techniques into my own product research activities.

Phalgun Guduthur

Head of Product, Phyllo

TESTIMONIALS

I haven't seen such detailed and exhaustive data collection from a research team! Moreover, this team makes the research findings relatable & concise to consume, unlike the 200 pagers one will never return to 🥲

Nandini Gangal

Lead Experice Designer, CRED

I am a big fan & happy customer of 1990 Research Labs. I have following been following Dharmesh’s work long before he started his own company. So when we needed help in setting up and calling the research function at Jar. Dharmesh and 1990 Research Labs were the first (and only ) names that came to our minds. They are a rare mixture of domain knowledge and Procedural rigor. Unlike most research firms that have a clinical and domain-agnostic approach to business and who end up spreading themselves too thin in trying to serve anyone and everyone 1990 Research Labs has chosen their niche, a niche they understand and feel passionate about. I recommend them to everyone. You can’t go wrong with them.

Prashant Singh

Head of Product, Jar

We got in touch with 1990 Labs for a foundational study before we set up the research team at ALLEN. Dharmesh made sure he understood the problem statement and asked all the right questions. He was really good at managing all key stakeholders and collaborated with us just like an internal team member would. The final insights shared were really helpful and helped us build the product strategy. Would definitely recommend working with Dharmesh.

Neelam Gulrajani

Head of Design, Allen Digital

Having worked with Dharmesh on multiple projects in the past, I have developed a high regard to the style of in-depth user research he does. He has the knack to uncover unique insights through deep empathy for the user and approaches each project without any preconceived notions. I come away smarter after each conversation with him & am happy to strongly recommend him to friends across the industry.

Krishna Hegde

Co-Founder, PYOR

Dharmesh played a pivotal role in setting up our research practice at Plum, leading initial projects and crafting a comprehensive research playbook. His expertise in product design was crucial in integrating user research seamlessly into our product development process.

Saurabh Arora

Co-Founder and CPTO, Plum Insurance

Best in industry for UX research, especially for those very specific India first problems — Dharmesh is bubbling with ideas for how to design better for the average customer, with an equal sharp eye on practical implementation and execution. These are often backed my strong research chops and empathy for users (more rare than you would think in product/tech teams!) Would recommend highly at any stage of product development (concept to final UX audit).

Lizann Fernandez

Director, Jupiter.Money

At Antler India, we had Dharmesh come in for a session on user research and spend some time with our founders addressing their questions around user research for their problem statements. Dharmesh expressed keen interest in understanding the cohort, their strengths, fears and helped them validate or even better, invalidate their ideas with his vast experience. The best thing for us at Antler India was when some founders decided to drop their problem statements after one round of user research based on Dharmesh's frameworks. And they moved to a more compelling problem statement unmarred by any subjectivity from their side!

Nandini Vishwanath

Program Director, Antler VC

I have worked with Dharmesh over multiple years and companies and always seen excellent insights on the Indian psyche towards finance that weren't evident otherwise as I was too cut off from the demographic. Spending time with Dharmesh on how he conducts research, I was also able to incorporate some techniques into my own product research activities.

Phalgun Guduthur

Head of Product, Phyllo

work with us

We value depth over breadth. Our focus is on a few projects at a time, so if you've got something exciting, hit us up.

Work With Us

AVAILABLE FOR NEW PROJECTS

work with us

We value depth over breadth. Our focus is on a few projects at a time, so if you've got something exciting, hit us up.

Work With Us

AVAILABLE FOR NEW PROJECTS

work with us

We value depth over breadth. Our focus is on a few projects at a time, so if you've got something exciting, hit us up.

Work With Us

AVAILABLE FOR NEW PROJECTS

work with us

We value depth over breadth. Our focus is on a few projects at a time, so if you've got something exciting, hit us up.

Work With Us

AVAILABLE FOR NEW PROJECTS

work with us

We value depth over breadth. Our focus is on a few projects at a time, so if you've got something exciting, hit us up.

Work With Us

AVAILABLE FOR NEW PROJECTS

© 1990 Research Labs • MADE WITH LOVE FROM BANGALORE INDIA ❤️

© 1990 Research Labs • MADE WITH LOVE FROM BANGALORE INDIA ❤️

© 1990 Research Labs • MADE WITH LOVE FROM BANGALORE INDIA ❤️

© 1990 Research Labs • MADE WITH LOVE FROM BANGALORE INDIA ❤️