I work to shape digital rails and their enabling policies to drive economic shifts.

01
About

A digital specialist and practitioner economist

I trained in economics and public policy, but I spend most of my time on developing digital architectures — sitting with regulators, central banks, ministries and engineers to design digital ecosystems at national scale and then get them adopted.

India's Account Aggregator for open finance and Udyam for small business identity are two systems I helped drive into use via enabling regulation and digital upgrades. The same approach now travels: through the Centre for DPI, I help other countries craft their versions of data sharing rails.

What pulls me to this is poverty. I care about the people digital infrastructure is meant to serve, and I come at the work with high empathy for them. I'm also a bit of a technocrat — I like the architecture, the incentives and the numbers, because that's what makes the empathy count for something. The frontiers I'm focused on now are 1) Scaling models to quickly deploy DPI for foundational identities, inclusive payments, and high provenance data sharing (including VCs) to emerging economies around the world; and 2) shaping AI: how it sits inside public infrastructure, and what technology policy and regulation it needs.

I'm also curious about how nations using AI are building their own DPI rails — via MCP, sovereign AI access gateways, and beyond — to enable societies to leverage its capabilities to advance human development.

Work I'm proudest of helping shape:

65+
Countries advised on DPI
5B+
Consented data-sharing transactions via AA
₹1.67L cr
Loans facilitated via AA
₹30L cr+
MSME loan book reachable via Udyam KYC
$845M+
World Bank digital ID projects influenced
02
Selected work

Building the rails of a digital economy

Centre for DPI — taking DPI global, from zero to one

  • Cofounded and built CDPI from scratch — a global nonprofit DPI advisory based in Bangalore
  • Funded by the Bill & Melinda Gates Foundation and Co-Develop
  • A 15-person team across 7 nations advising 65+ countries on identity, payments and data sharing
  • Helped Trinidad & Tobago, Brazil and Colombia move live on digital wallet and credential infrastructure

Account Aggregator — India's open finance ecosystem

  • On the founding team alongside Nandan Nilekani, Pramod Varma and Sanjay Jain — with Siddharth Shetty and BG Mahesh — when iSPIRT was incubating what became the Sahamati Foundation
  • Policy lead for the national rollout at the Ministry of Finance
  • Drove adoption from 200 million to 1.1 billion accounts live for consented data sharing — SEBI circular, RBI Master Direction, MoF press release
  • Brought GSTN into the framework — the legal basis for 10 million GST-registered businesses to share invoices with lenders
  • Principal author of NITI Aayog's DEPA strategy paper

Udyam — digital KYC for small businesses

  • Persuaded the Ministry of MSME to issue digitally signed, machine-readable Udyam certificates through DigiLocker
  • Drove the RBI notification that made Udyam valid digital KYC
  • India's MSME credit market runs to roughly ₹30–35 lakh crore (about $360–420 billion)
  • 7.8 crore+ enterprises now Udyam-registered — a growing KYC backbone for formal lending to firms banks once found too costly to onboard

World Bank ID4D — digital identity at scale

  • Founding team member of the Identification for Development (ID4D) initiative, selected from ~14,000 applicants
  • Prepared a ~$450M ID project in Nigeria
  • Co-led the Bank's first regional digital ID operation across 10 West African countries
  • Authored the Aadhaar case study
  • Prepared the launch of the High Level Advisory Council chaired by the World Bank CEO
03
Career

Where I've worked

2023 — now

Centre for Digital Public Infrastructure

Cofounder & CEO · Bangalore — funded by the Gates Foundation & Co-Develop
2022 — 2023

Ministry of Finance, Government of India

Advisor, DPI & Account Aggregator · technical expert, G20 Finance Track
2020 — 2022

iSPIRT Foundation

Fellow & Policy Lead, Account Aggregator — founding team of Sahamati
2018 — 2019

EkStep Foundation

Digital Jobs & Skilling Lead — registries & open APIs with the Ministry of Skill Development
2016 — 2018

The World Bank Group

Operations Analyst, ID4D (founding member) · Washington D.C., Abidjan & Abuja
2014 — 2016

The Boston Consulting Group

Associate · London — Social Impact Fellow
04
Writing & publications

Selected publications

Lead or Contributing Author

Digital infrastructure for student mental health: a Viksit Bharat priority Co-author with V. Anantha Nageswaran (Chief Economic Advisor, India) · Mint Opinion, 2026
Credit where it's due: India's Account Aggregator ecosystem is ready to multiply our digital dividends Co-author with V. Anantha Nageswaran (Chief Economic Advisor, India) · Mint Opinion, 31 Aug 2025
Creating Value for Taxpayers Lead author with Tanushka Vaid & Pramod Varma · IMF Finance & Development, September 2024
The DPI Wikipedia Co-author Centre for DPI, 2024 · 120+ articles on technical and implementation aspects of various DPI building blocks
Data Empowerment and Protection Architecture (DEPA) Principal author with Siddharth Shetty · NITI Aayog, August 2020
Cost Drivers of Identification Systems Co-author with Koshy Thampy et al. · World Bank ID4D, December 2018
Strengthening Credit Flows to the MSME Sector (46th Report) Contributing author Recommendations chapter · Parliamentary Standing Committee on Finance, July 2022

Peer review

Digital Wallets Reviewer World Bank, 2024
The DPI Approach: A Playbook Reviewer UNDP, 2023
05
Boards & advisory

Boards & advisory roles

Advisory board

Centre for Public Intelligence

Advisory board of a new institution founded by Oxford researchers, working on data and AI for the public interest.

Advisory board

Code for GovTech (C4GT)

Advisory board of the govtech and digital public goods mentorship programme at IIIT-Hyderabad.

Advisor

Sahamati Foundation

Advisor to Sahamati, India's industry body for consented financial data sharing under the Account Aggregator framework.

Former Advisor

Ministry of Finance, India

Advised on Account Aggregator adoption and DPI strategy across India's public sector banks. As technical expert on India's G20 Presidency (Finance Track), supported the Department of Economic Affairs on DPI for financial inclusion and a multi-year action plan.

06
Speaking & committees

Keynotes, panels and policy bodies

I was a technical expert on India's G20 Finance Track and a contributing author to the Parliamentary Standing Committee on Finance report on strengthening MSME credit (2022). A few of the forums where I've spoken:

  • India AI Summit — invited speaker on AI and Digital Public Infrastructure
  • Carnegie Global Technology Summit — panellist on technology governance and DPI globalisation, Carnegie India
  • World Bank Spring Meetings — invited speaker on global DPI adoption and open finance, Washington D.C.
  • G20 India Presidency — speaker on DPI for financial inclusion during India's presidency
  • Account Aggregator national launch — keynote by the RBI Deputy Governor, organised with 8 banks
  • Lectures and talks at Harvard Kennedy School, Yale, Cambridge CCAF, LSE, OECD, Skoll World Forum (Oxford), Bangalore Tech Summit, iTech Law Summit, France's Digital Ambassador's office, and the DPGA 50-in-5 campaign
07
Contact

Open to conversations and initiatives on DPI, AI governance, financial inclusion and technology policy.

© 2026 Kamya Chandra Bangalore · India