Indradeep Ghosh is the executive director of Dvara Research, where he oversees all of the research streams that study various aspects of financial inclusion, including the design of financial institutions and systems, customer protection, digital finance and data privacy, household financial behavior, and the design of social welfare policies. Before his position at Dvara, Indradeep was a professor of economics for several years in the US and for a few years in India. He has a PhD in economics.