IRMA collaborated with Grameen Foundation India and J.P. Morgan to develop and pilot test a solution to improve the usage of financial services. The research, led by IRMA, and conducted in rural Uttar Pradesh and urban NCR aimed to identify the key triggers of dormancy in bank accounts, the economic outcomes of financial inclusion, and the current penetration of digital financial services. The results of the research were disseminated at a recently concluded National Seminar on ‘Scaling Financial Inclusion: The Promise of Digital' in New Delhi on October 18, 2016.

The keynote address was delivered by Shri Amarjeet Sinha, Secretary, Rural Development, MoRD. The research findings were presented by Prof. Hari K. Nagarajan, IRMA's RBI Chair and Prof. Jeemol Unni. The event also hosted panel discussions on role of digital and policy interventions.