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Publications

Filtering by: Technology and Innovation

Op-ed December 12, 2025

Inside the UPI decade: How a cash-first nation learned to pay differently

By Nikita Kwatra, Khushi Baldota & Anushri Pundit

UPI’s greatest unrealised potential lies not just in bringing the next 250 million users into the system, but in deepening what participation enables.

Blog November 14, 2025

Bhasha SLMs are the future of Indian AI

By Dr. Hemant Adarkar & Sridhar Ganapathy

The future lies not in mimicking Silicon Valley but in embracing the Bharat-first approach: regionalized AI, powered by small language models and built on the bedrock of accessible hardware.

Paper November 1, 2025

An Analysis of DPIs Value-Generating Ability

By , Vikram Sinha, Sandeep Radhakrishnan & Ruhi Nadkarni

The paper analyses how open and well-governed Digital Public Infrastructure can drive private sector innovation and inclusive economic growth, positioning it as a “really new” institutional innovation between SaaS and general-purpose technologies.

Paper November 1, 2025

DPI: Rewriting the Rules of Commerce

By , Nikita Kwatra, Anushri Pundit & Ruhi Nadkarni

The paper explores how the layered structure of Digital Public Infrastructure (spanning identity, payments, data sharing, and discovery) drives economic transformation when effectively integrated and governed as a coherent, networked system.

Blog October 17, 2025

Data Exchange Systems For Governance

– By Aditi Choudhary

Report September 19, 2025

DPI Safeguards: How MOSIP Aligns with the Universal DPI Safeguards Framework

By Brinda Lashkari, Neha Jain, & Sridhar Ganapathy

This study assessed how effectively the MOSIP platform supports countries in aligning their Digital Public Infrastructure (DPI) with the recommendations of the UN Universal DPI Safeguards Framework, released in September 2024.

Report September 12, 2025

Understanding UPI through User Experience: Insights from the Ground

By Nikita Kwatra, Lakshay Narang, Khushi Baldota, Anushri Pundit & Neha Jain

This study uncovers how UPI is unfolding on the ground – what’s working, what’s not, and why – through the lens of users’ and merchants’ perceptions and experiences.

Press Release August 1, 2025

iGOT Karmayogi onboards The DPI Academy to deliver courses

The first course went live on the iGOT platform following the signing of a Memorandum of Understanding (MoU) between Karmayogi Bharat and The DPI Academy

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