Given the similarities between the digital infrastructure that both Brazil and India have built it makes sense that as the new President of the G20, Brazil can build on all the work that India did during its Presidency to raise global attention to the concept of digital public infrastructure.
Despite India’s success in pushing the DPI agenda during its Presidency of the G20 there have been some criticisms about the actual impact of its financial inclusion efforts. While there is no doubt that we are prone to embellishment, India’s achievements in the area are substantial. Criticisms about coercion are also unfounded given some level of market orchestration is necessary — especially in low and middle-income countries that are looking for accelerated development.
In an increasingly polarised world, the 2023 New Delhi Declaration at the Leaders Summit of the G20 was a diplomatic triumph. But as you read through the pages of the text it is striking how much it covers in terms of new technologies and their governance.
Rather than simply building DPI building blocks, countries that are looking to follow India’s DPI Approach should look to develop DPI solutions that leverage individual elements of the DPI stack in an interoperable manner.
India’s Pradhan Mantri Jan Dhan Yojana (PMJDY) has significantly increased bank account ownership since 2014, with 56% of these accounts owned by women, reducing the gender gap. However, most women use these accounts only for benefit transfers, not for savings or financial products. To enhance women’s financial engagement, promoting digital payments and designing services tailored to women’s needs, considering their unique challenges, is essential. Proper training and fostering a supportive ecosystem are crucial for genuine financial inclusion.
India’s digital public infrastructure has transformed daily life, with UPI processing billions of transactions monthly. However, global innovations, like mPESA in Kenya and DCash in the Eastern Caribbean, highlight the worldwide growth of DPI. At a recent knowledge-sharing event, global participants recognized India’s leadership in DPI and sought guidance on its design and governance. India’s experience positions it to guide other nations in developing robust digital ecosystems.
New technologies, like AI, provoke existential fears in various professions - from writers to musicians and artists. While AI threatens to replace human skills, including intellectual ones, these technologies will also create new opportunities and skill sets. It is premature to worry about human obsolescence.
Digi Yatra, India’s new biometric air travel system, adequately addresses privacy concerns. It is designed to keep personal data on the user’s device and purge data from airport systems 24 hours post-flight. Despite my initial skepticism, the system is efficient and privacy-conscious.
There are concerns over India’s digital public infrastructure and the role of self-regulatory organizations like the National Payments Corporation of India (NPCI). In particular that these entities, lacking oversight, could become “Alt Big Tech,” potentially harming users and stifling innovation. While these organizations are privately operated, function under regulatory supervision and could represent a new model for governing modern techno-legal ecosystems.
A reflection on the tech policy developments in India during 2022. While my initial predictions about data protection laws and tech sector reforms didn’t unfold as expected, there have been positive strides in India’s digital public infrastructure, like the UPI payment system and Account Aggregator ecosystem. India’s upcoming G20 presidency could further spotlight its techno-legal approach to regulation.
