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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 …
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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 …
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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 …
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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 …
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The DEPA AI Chain is central to operationalising data sharing for AI development and runtime use, while preserving privacy and maintaining verifiable provenance across the entire AI lifecycle — spanning dataset creation and licensing through training, release, inference, and content distribution. Risks and returns are managed through contracts and programmable controls; oversight is delivered via …
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Micro, Small, and Medium Enterprises (MSMEs) are the backbone of India’s economy, driving growth and generating millions of jobs. Yet, despite their importance, MSMEs continue to face a massive credit gap. Traditional collateral-based lending often leaves them underserved, making access to timely and affordable credit one of their biggest challenges. Over the years, schemes like …
Continue reading “Cash Flow-Based Lending: Unlocking Credit Access for India’s MSMEs”
This blog continues our discussion on the techno-legal regulation of artificial intelligence (AI), building on our original post from 03.09.25—with a focus on key outstanding issues that required in-depth consideration, alongside the responses and questions we received from stakeholders as of 12.09.25. Question 1: Since technology is constantly evolving, wouldn’t relying on technology to enable …
Continue reading “FAQs and Facts on Techno-Legal Regulation 2.0”
This blog is an invitation to advance public discourse on techno-legal regulation of artificial intelligence (AI). It builds on an article by Rahul Matthan (15 January 2025), in which he raised reservations about applying techno-legal regulation to AI governance and expressed concerns about the practicability of techno-legal artefacts-particularly their ability to establish liability chains among …
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In just a decade, India has redefined how nations can harness technology for the public good. Through Digital Public Infrastructure (DPI), such as Aadhaar, UPI, and Account Aggregator, followed by newer innovations like OCEN and ONDC, India has shown the world how open, interoperable, and inclusive digital systems when designed as privately provisioned, public infrastructure; …
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MSME Lenders need to start looking beyond AUM to truly value short-term loan pools. OCEN helps minimize loan processing costs and provide easy access to new borrower segments at scale. Specialized roles, including collections partners, help reduce the burden on lenders. Short-term lending products for marketplaces where Loan Agents also control the income-source for the …
Open Credit Enablement Network (OCEN) is designed to serve borrowers across all turnover bands — including micro and small businesses whose buyers are not large enough to qualify for TReDS. This inclusivity enables it to reach segments of the MSME sector that remain underserved by formal credit channels. OCEN’s ability to leverage alternative underwriting models, …
June 27 – International MSME Day Micro, Small, and Medium Enterprises (MSMEs) are the unsung heroes of India’s economy. Employing over 11 crore people and contributing nearly 30% to the country’s GDP, MSMEs are not just businesses – they are drivers of innovation, inclusion, and local development. On this MSME Day, we celebrate their resilience …
Continue reading “Empowering India’s Growth Engines: The Critical Role of Credit for MSMEs”
The Open Credit Enablement Network (OCEN) post its initial pilot deployment and continuous upgrades and improvements has seen growing participation across the ecosystem. OCEN’s transition from its early stages into the growth phase is now reflecting in its growing volumes and addition of new ecosystem partners. Monthly Progress Report: With the start of the new …
The volumes and traction on Open Credit Enablement Network (OCEN) continues to grow month on month. The growing trajectory highlights OCEN’s ability to streamline and democratise credit access for MSMEs by leveraging digital public infrastructure and fostering collaboration among lenders, agents, and technology providers. Here is a snapshot of the OCEN ecosystem’s key updates for …
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