iSPIRT works to transform India into a hub for new generation software products, by addressing crucial government policy, creating market catalysts and grow the maturity of product entrepreneurs. Welcome to the Official Insights!
One was a 2 week ransomware siege that forced India’s top public hospital onto pen and paper. The other was a month-long espionage operation, hidden inside trusted software that went undetected across the US government and Fortune 500 companies until a security firm found it by accident. Most major breaches aren’t masterminds at work, they …
Continue reading “AIIMS Delhi and SolarWinds: When Trust in Digital Infrastructure Collapses”
As India advances toward an AI-enabled healthcare ecosystem, robust frameworks for data curation, sharing, and governance are essential to ensure that innovation is ethical, interoperable, privacy-preserving, and trusted. High-quality, discoverable, and reusable health data forms the foundation for responsible AI applications in healthcare, ranging from clinical decision support and population health management to medical research …
Every day, businesses in India spend countless hours navigating multiple government portals, repeatedly submitting the same information and managing fragmented compliance processes—not because regulations require it, but because government systems do not work together. For years, reforms have focused on improving the Ease of Doing Business (EoDB) by simplifying regulations and reducing procedural burden. While …
At iSPIRT, our work on digital public infrastructure for data has consistently focused on a core question: how do we unlock value of data while preserving the rights and trust of individuals? With DEPA (Data Empowerment and Protection Architecture), we established a consent-driven framework that empowers individuals to control how their data is shared for …
For a long time, cybersecurity was seen as a defensive measure used to block threats, fulfill compliance requirements and was considered a burdensome cost to be handled by the IT team alone. As technology has evolved, so has our perspective. Today, cybersecurity plays a direct role in driving business growth, ensuring operational continuity and building …
Financial ecosystems are rarely transformed overnight. Instead, they evolve through the steadyalignment of technology, policy, and trust. Over the past year, the Open Credit EnablementNetwork (OCEN) has been moving quietly in this direction, acting as a digital bridge betweencredit-starved MSMEs and a diverse pool of lenders.The Growth Narrative: In Q1-2025, the network facilitated 5,641 loans …
Continue reading “Broadening Credit Access: The Quiet Evolution of OCEN”
We’ve rolled out some exciting updates for DEPA‑Training, making it easier to rapidly prototype and run diverse training scenarios — complete with electronic contracts, confidential cleanrooms, privacy-preservation and configurable training SDKs. ✨ What’s new 👉 GUI for end-to-end execution 👉 Step-by-step guide to create and run your own training scenarios 👉 New scenarios introduced for complex …
iSPIRT Foundation, a technology think-and-do tank, believes India’s hard problems can be solved only by leveraging public technology for private innovation. iSPIRT, as a think-and-do-tank, pioneered the concept of Digital Public Infrastructure (DPI) The Budget starts by acknowledging that India is facing “an external environment in which trade and multilateralism are imperilled and access to …
We had published a Blog in 2016 on Sofex form confusion. It became one of the most-read pieces on our blog. Read here for ready reference. Since then, we have been exhorting the Government to remove the Softex and, more specifically, after GST came into existence. Softex forms have been replaced by RBI in a …
The calendar year 2025 has been a transformative period for the Open Credit Enablement Network (OCEN), evolving from a digital protocol into a powerhouse for financial inclusion. During 2025, OCEN successfully facilitated approximately 70,000 loans, resulting in over ₹1,600 Crore in disbursements. This journey is not just about the numbers; it is about proving that …
November 2025 has officially set a new standard for the future of cash flow based digital lending for MSMEs in India. For the first time, monthly disbursements through the OCEN protocol have breached the ₹200 Crore mark, proving that the shift toward cash flow-based lending is not just a pilot—it is a powerhouse. As we …
Continue reading “OCEN Crosses the ₹200 Crore Monthly Milestone: Redefining MSME Credit Quality”
The Micro, Small, and Medium Enterprises (MSME) sector is the engine of the Indian economy, yet for years, it has been choked by a massive credit gap. Traditional, collateral-heavy lending processes simply could not keep pace with the dynamic, short-tenure funding needs of small businesses. Open Credit Enablement Network (OCEN): Built on the principles of …
This is a two part blog series. The following is the second part. In Part 1, we traced how data collaborations are being reimagined, and laid out the conceptual foundations. From redefining consent through the Account Aggregator framework, to recognizing the limits of consent. We explored how privacy-preserving frameworks like differential privacy protect individuals even …
Continue reading “Privacy in the Age of AI: New Frameworks for Data Collaboration-Part-2”
This is a two part blog series. The following is the first part. Every day, we generate vast amounts of digital data — withdrawing cash, visiting doctors, ordering groceries, using various mobile apps. These data trails have the potential to streamline services, personalize experiences, and drive breakthroughs in fields from medicine to finance. Yet they …
Continue reading “Privacy in the Age of AI: New Frameworks for Data Collaboration-Part-1”
The backbone of our economy—the Micro, Small, and Medium Enterprises (MSMEs)—often face amassive hurdle of securing timely and affordable credit. Cash Flow Based Lending can solve formillions of creditworthy small businesses which are underserved. For a growing MSME, their truehealth lies in their daily or monthly business transactions and cash flow—the consistent stream ofmoney coming …
Continue reading “Cash Flow based Lending on OCEN: Fuelling the MSME Growth Engine”