Phase IFoundation
Background
Overview
The sustainability and financing model of DPI like UPI are crucial for India's digital economy vision, financial inclusion, and innovation. UPSC examines how the government balances the provision of public goods with economic viability, and the role of various stakeholders in funding such critical infrastructure, reflecting broader public finance and governance challenges.
Digital Public Infrastructure (DPI), such as the Unified Payments Interface (UPI), provides essential public services and drives digital transformation. However, its development, operation, and maintenance incur significant costs, posing a challenge for sustainable financing models that balance accessibility, innovation, and cost recovery.