DFS Lab has leveraged its status as a market actor and investor to create a world-class research and insights team with deep market knowledge, access, and convening power. Our team does rigorous fieldwork and end-user research to understand the perspective of people and businesses adopting digital products.

Conversational interfaces and the long tail of languages in developing countries
This paper explores the ability to use Natural Language Processing to create conversational interfaces for digital products and services used by low-income people. Companies may be able to use artificial intelligence and natural language processing to improve agriculture, disaster response, health, and financial services for low- income people. Governments and NGOs may also be able to use these technologies to improve service design and delivery.

Opportunities to expand financial inclusion within Indonesia’s digital platform economy
This paper takes a critical look at the potential for digital platforms to be partners in expanding financial inclusion in Indonesia. While we focus on financial inclusion, many of the strategies and interventions we discuss might also be beneficial seen through the lens of economic empowerment and growth.
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