India’s latest DPI focuses on leveraging non-financial data. By offering API-based access to a number of different data sources it will give lenders additional ways in which to evaluate the credit-worthiness of potential borrowers.
There comes a point in time when citizens voluntarily opt to formalise their business - recognising that the benefits they will receive are worth the downside of coming within the tax net. Countries can leverage this notion to unlock much needed revenue by following a three-step process.
The traditional approach to the digital transformation of governance has been to build full-stack solutions that are narrowly geared to addressing specific problems. This is highly inefficient and unless we commit to designing them so that they use shared, re-useable building blocks we are simply not going to achieve the outcomes we need.
The traditional approach to the digital transformation of governance has been to build full-stack solutions that are narrowly geared to addressing specific problems. This is highly inefficient and unless we commit to designing them so that they use shared, re-useable building blocks we are simply not going to achieve the outcomes we need.
The draft Digital Competition Bill, 2024 is so heavily influenced by European regulation that it feels like yet another example of premature imitation. Which is strange considering that we can so easily leverage our DPI to deliver much more nuanced outcomes.
Artificial Intelligence has the potential to significantly enhance our digital public infrastructure by bringing variety to a DPI approach that has so far been optimised for standardisation.
For the longest time, questions have been raised about the business model for UPI and how the industry should charge for its services. The government has prohibited MDR on UPI transactions, but it should still be possible for us to develop a new revenue model.
Last year there was widespread support for India’s DPI approach—with countries around the world hailing its achievements, and looking to emulate them. Over the past few months, however, the voices of dissent have grown steadily louder. Rather than allow arguments against DPI to go unanswered, I thought it best to deal with them head-on.
2023 was the year in which DPI assumed its rightful place on the world stage. It was also the year in which artificial intelligence came into its own. There has never been a more interesting time to be engaged in technology policy.
To ensure equitable access to digital public infrastructure, it’s crucial to address the digital divide. This involves extending connectivity infrastructure globally, reimagining digital systems for offline accessibility, and enhancing digital literacy. Innovations like offline Aadhaar enrolment and QR-code-based services, along with user-friendly design, are key to making DPI inclusive and accessible to all, regardless of their technological proficiency.
