Natasha D’cruze holds a master’s degree in development economics from SOAS, University of London, as well as a bachelor’s degree in economics from Delhi University. Currently, she is a Research Associate with the Household Finance Practice at Dvara Research, where she works on projects aimed at understanding what financial inclusion means for low-income households. In the past, she has worked as an action researcher on the digital and Aadhaar-based delivery mechanisms of social welfare schemes in Jharkhand (India), where she did field research and collaborated with civil society organisations and village communities to help advocate for better local accountability. Natasha has worked on the ground to study Ayushman Bharat, the national public health insurance scheme, in Jharkhand and has explored topics in evaluating development through the capability approach lens during her engagement with the Oxford Poverty and Human Development Initiative (OPHI).