Financial Inclusion in Action

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Lessons from the Digitisation of Government to Person (G2P) Programmes in India

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The Government of India spends about USD 71 billion every year on various G2P welfare programmes on food, fertiliser, fuel (liquefied petroleum gas (LPG) and kerosene), health, pensions, rural employment etc.    Direct Benefit Transfer (DBT) in G2P programmes is a major reform initiative launched by the Government of India on 1st January, 2013. Its… Continue reading

Learning from (and about) India´s Emerging Digital Money Grid

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  The Government of India has embarked on a remarkable path to connect all its citizens onto a digital platform through which they can, in real-time, confirm their identity, financially transact with anyone else, and store relevant documentation in natively digital format and consent to it being shared digitally with others (for instance, to support… Continue reading

Open Application Programming Interfaces (API): Purpose and Possibilities

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Application Programming Interface or API, a software programme, acts as a bridge between disparate applications. It performs the intended function when a set of instructions are provided through a user interface (UI). The front-end of UI is usually a website or mobile application. The following diagram illustrates the basic architecture of any API-based business model:… Continue reading