Monday, September 26, 2016

27 September 2016: The evolution of India Stack and the Unified Payments Interface

Sanjay Jain
EkStep and iSPIRT

The Government of India’s Open API Policy (2015) stated that the Government envisaged making its services digitally accessible to citizens through multiple channels, such as web, mobile and common service delivery outlets. The JAM trinity - Jan Dhan, Aadhaar and Mobile phones makes it possible for digital services to reach every Indian.

The India Stack is a name used to collectively cover specific APIs that allow govts and businesses to utilise govt. services to deliver services to Indian residents. These APIs have been developed by various organizations over the last 7 years, starting with Aadhaar, which launched an authentication API in 2010. These APIs are owned by government departments, and other public organisations.

India Stack provides 4 distinct layers:

A presence-less layer where a universal biometric digital identity allows people to participate in any service from anywhere in the country;
A paper-less layer where digital records move with an individual's digital identity, eliminating the need for massive amount of paper collection and storage;
A cashless layer where a single interface to all the country's bank accounts and wallets democratizes payments; and
A consent layer which allows data to move freely and securely to democratize the market for data;

Each layer has a specific technology - Aadhaar authentication and eKYC, eSign and Digilocker, Unified Payments Interface, and consent architecture - with corresponding public APIs.

Date: September 27, 2016
Time: 04:30 P.M.

Conference Hall, Ground Floor
R&T Building
National Institute of Public Finance and Policy,
18/2 Satsang Vihar Marg, Special Institutional Area,
New Delhi-110067(INDIA)


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