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As India's DPI 2.0 evolves UPI into universal data empowerment, boosting productivity and inclusion, it also needs interoperability, competition safeg
India’s digital public infrastructure (DPI) model is a key offering to the world and is being considered, adopted or adapted by nations at varying s
Free flow in data can unlock huge social and economic value in user data that is usually locked in silos. With this motivation, Data Empowerment and Protection Architecture (DEPA), a public-private endeavour, is being developed in India as a template for users to access and share their data on their terms. Not only does this form of data sharing promote competition, but it fosters innovation as well. This brief dissects the conceptual layers of D
As data drives technological innovation in finance, open banking has gained global relevance. India has advanced in this domain through initiatives like the India Stack, as well as frameworks such as the Data Empowerment and Protection Architecture (DEPA) and the Account Aggregator (AA) framework. Additionally, the Digital Personal Data Protection (DPDP) Act is increasingly shaping India’s open banking landscape. Given the importance of data pr
