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Publications

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.

Op-ed December 2, 2025

Opinion | India is easing its regulatory burden on businesses, but the battle against its inspector raj will be hard fought

By Dr. Niranjan Rajadhyaksha

India is finally cutting back onerous regulations, but overcoming the inspector raj will require deeper, faster reform to unlock true economic freedom for businesses.

Op-ed November 18, 2025

Opinion | Strong growth with macro stability: Is India’s economy on an impressive new path?

By Dr. Niranjan Rajadhyaksha

India’s recent mix of fast growth and macro stability looks promising—but its durability will depend on deeper structural improvements.

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.

Op-ed November 6, 2025

Opinion | As UN climate talks approach, it’s innovation that we should bet on for an energy transition

By Dr. Niranjan Rajadhyaksha

While CoP-30 at Belém will have another round of global climate deliberations, it’s the world’s innovators—public and private—we must rely on to rewrite the script.

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

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