Financially Empowering 100 Million Families

Summary

In 2025, Haqdarshak committed to launching its AI-driven Discovery-Eligibility-Application-Redressal (D-E-A-R) framework to financially empower 100 million families across India, Kenya, Brazil, Indonesia, and South Africa over five years, unlocking $100 billion in welfare benefits by 2030. With its unique solution of combining technology with assisted agent services, Haqdarshak will leverage its extensive experience in social protection delivery and a proven platform that has already unlocked more than $2 billion in benefits for 6.5 million citizens and 30,000 agents and offers strong field implementation capabilities. Haqdarshak will scale its agent training platform for providing training services to agent networks and last mile organizations, including hyperlocal community organizations, government agencies, banking correspondent networks, factory workers, and gig workers, who will in turn reach the target population of individuals. Haqdarshak will also leverage its Yojana CardTM product, enabling individuals to access social benefits in the same account they use for banking. For the unbanked, this the start of their journey of financial inclusion and empowerment.

Approach

In 2025, Haqdarshak commits to launching its Discovery-Eligibility-Application-Redressal (D-E-A-R) framework to financially empower 100M families across India, Kenya, Brazil, Indonesia and South Africa over a five year period. The framework will leverage Haqdarshak’s existing foundational strengths, Digital Public Infrastructure (DPI) principles, which include inclusivity, sustainability, interoperability and transparency to reach scale, and generative AI. Haqdarshak will open up its proprietary Discovery and Eligibility engine (part of the D-E-A-R framework) to generate demand for benefits application support services from individuals via a mobile-first approach including a chatbot, in local languages. These individuals – farmers, workers, micro entrepreneurs – are part of communities identified on the basis of public data made available by the government. The generated demand for Application support will be met by scaling its agent training platform for providing services to agent networks and last-mile organizations including hyperlocal community organizations, government agencies, and banking correspondent networks.
In addition, Haqdarshak will leverage its Yojana CardTM product, which allows individuals to access both government to citizen (G2C) and financial services in tandem with a bank-linked card. Individuals can access social welfare benefits in the same account as they use for banking. For the unbanked, this then becomes a start to their journey of financial inclusion.
Through this commitment, Haqdarshak will unlock $100 billion in welfare benefits, at a sustainable cost of $10 per family (cost covers all expenses incurred to reach and provide support to one individual) . With its unique solution of combining technology with assisted agent services, Haqdarshak’s proven model has unlocked over $2 billion in benefits for 6.5 million individuals and trained 30,000 agents.
This commitment will be implemented in collaboration with local governments to ensure scale, philanthropies for expert advice and funding, civil society to enable last-mile access and the private sector for business sustainability.

Action Plan

In Year 1 (2025) , Haqdarshak will focus on receiving and making foundational investments in technology and human infrastructure. Key initiatives include enhancing the D-E-A-R framework by building the Discovery and Eligibility platforms on the DPI principles, launching the chatbot and strengthening the training platform. Localization studies will be initiated in 2 African and Southeast Asian countries to identify partners for rolling out the model.
In Year 2 (2026) , Haqdarshak will complete any tech builds pending from the earlier year and focus on scaling infrastructure and piloting solutions. At least 15,000 agents will be onboarded on the training platform. Pilots in two international locations will focus on onboarding local partners, and initiate research work.
In Year 3 (2027) , the operational framework will expand to 50,000 agents, in turn servicing 20M families. The focus will shift to leveraging artificial intelligence for predictive vulnerability mapping – which communities are more vulnerable to financial shocks thereby prioritising them for social protection coverage. Digital and financial literacy campaigns will target Self-Help Groups and rural networks.
In Year 4 (2028) , Haqdarshak will add two new countries and achieve a total of 150,000 agents, servicing an additional 40M families.
By Year 5 (2029) , Haqdarshak will achieve a total of 200,000 agents in India, operationalizing the Yojana CardTM platform in five countries, distributing 10 million Yojana Cards, and servicing a total of 100M families.

Background

Article 22 of the Universal Declaration of Human Rights states: “Everyone, as a member of society, has the right to social security.” Global data, however, shows massive gaps in accessing social security along with other social protection programs. According to the International Labour Organization (2021) , more than half the population in Asia and the Pacific lacks access to even a single form of social protection, compared to 84% in Europe and Central Asia and 64.3% in the Americas. In Africa, only 17.4% of the population has access to any form of social protection. In a 2004 research paper by the US-based National Bureau of Economic Research (NBER) , economist Janet Currie explains that even in rich Western countries, lack of information and a high cost of enrollment are major reasons for low enrollment in welfare programs.
A deeper study of disparities reflects systemic underinvestment, fragmented delivery systems, and the absence of inclusive, citizen-centric mechanisms.
India mirrors most of these global trends. Despite allocating over USD $258 billion annually to more than 14,000 social welfare programs, only 40% citizens are able to apply for such programs (World Bank, 2017) . The gap is more pronounced for women. 82% of working women are employed in the informal sector, leaving them without protections such as maternity benefits, pensions, or health insurance (ILO, 2022) .
Addressing these challenges globally, requires bold, tech-enabled, participatory solutions that make welfare delivery inclusive, transparent, and impactful. Efficient delivery of these benefits is critical to ending generational poverty across the globe.

Progress Update

Partnership Opportunities

Catalytic Funding – Haqdarshak seeks catalytic funding to develop its technology infrastructure further, undertake research, and implement its adaptive model across India and expansion across other identified developing countries.

Research Partners – Research institutions across to support research of social protection landscapes across international geographies.

Local Implementation Partners – Non-profit organizations or social enterprises for capacity building and adoption of technology and model for scale.

Government Collaborations across Kenya, South Africa, Brazil, and Indonesia,Digital Assets / Technology Infrastructure – Haqdarshak will offer technology / DPI innovations that will allow other organizations to enable easy benefits access for individuals and stakeholders.

Schemes Research and Design Expertise – Partner organizations will get access to Haqdarshak’s knowledge assets and expertise in conducting research as well as designing implementation of adaptive social protection models.

Capacity Building – Local implementation partners will receive capacity building including their field cadres in providing welfare delivery services at scale to service citizens at the last-mile.