Under the Digital India initiative, the government has mandated an open API policy for five key programmes, meaning data from these programmes must be made accessible for similar creative use. The emerging solutions could further the cause of financial inclusion and reduce complexities in transactions.
The five programmes are Aadhaar, e-KYC (know your customer), e-Sign (a mechanism for digitally signing documents that is legally accepted), proposed privacy-protected data sharing, and the Unified Payments Interface or UPI, an initiative of the National Payments Corporation of India which will allow fund transfer between banks with the help of a single identifier.
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