India Has Solved Financial Access. Has It Solved Financial Confidence?

NEW DELHI [INDIA]: August 31: At a time when India is witnessing unprecedented digital adoption and financial inclusion, a new pan-India neuroscience-based study by Terragni Consulting has identified a growing confidence gap in the country’s financial services ecosystem. While millions of Indians can now access financial products digitally, many still struggle to understand processes, evaluate risks and engage with financial services confidently.

The latest edition of Terragni Consulting’s flagship Ease of Engagement Score (EAS) 2026 Study examines how customers actually experience financial services across the country. The study finds that while digitisation has successfully removed physical barriers to banking, insurance and investments, millions of consumers continue to experience confusion, uncertainty and emotional fatigue when making critical financial decisions.

Unlike traditional perception surveys, the EAS framework applies consumer neuroscience and behavioural science principles to evaluate how customers cognitively process and emotionally respond to financial journeys. The study evaluates engagement across key financial categories, including Health Insurance, Life Insurance, Mutual Funds and Personal Loans, concluding that India’s financial sector is increasingly facing not an access gap, but a confidence crisis.

Source: PTI News

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