Amulya Neelam Amulya Neelam is a research associate in financial systems design at the Dvara Research Foundation. By Amulya Neelam Blog03 August 2021 Digital Consumer Credit in India – Time to Take a Closer Look As media reports of abusive lending practices emerge amid India’s digital consumer credit boom, the country can steer digital credit in a more promising direction by ramping up its efforts to listen to consumers and taking the necessary actions.