印度数字金融基础设施的经验做法及启示

Experience and Enlightenment of India's Digital Financial Infrastructure

数字金融具有改变新兴市场和发达经济体的潜力。印度通过开发一种“印度堆栈”的技术来提供数字金融基础设施,该基础设施的关键在于一是将数字金融基础设施作为公共设施提供,二是开放访问基础设施鼓励私有创新,三是通过监管框架提供公平竞争环境,四是要求在个人同意的前提下实现数据共享来为个人赋能。印度在数字金融基础设施的经验值得各个发展阶段的经济体研究和借鉴。

Digital finance has the potential to transform emerging markets and developed economies.India provides digital financial infrastructure through the development of an"Indian Stack"technology.The key to this infrastructure is to provide digital financial infrastructure as public facilities,open access infrastructure to encourage private innovation,and regulation The framework provides a level playing field.Fourth,it requires data sharing with individual consent to empower individuals.India’s experience in digital financial infrastructure is worth studying and learning from economies at all stages of development.