Digital Money, Financial Capability and Financial Inclusion

Technology and Empowerment (TEM) is a research umbrella at Microsoft Research India. We build and study socio-technical systems that seek to have a meaningful impact on the daily lives of underserved people and communities.

MSR India's Center for Societal impact through Cloud and Artificial Intelligence (SCAI) focuses on creating, nurturing and deploying technologies that will have large scale impact on society.