14. Digital Consent Framework
Digital Consent Framework
Electronic or Digital consent is the digital equivalent of a physical letter of permission given by the user which, when presented, allows the data provider to share information regarding the user with a data consumer, for a particular purpose. Just as Aadhaar e-KYC, eSign, and Digital Locker provides digital equivalents of the corresponding physical paper based process, electronic consent allows for data to be electronically and securely shared with service providers on an as-needed basis, while maintaining traceability to ensure that the data trails can be audited in the future.
With this framework in place India is gearing up to put in place what it calls a “consent architecture,” a system which allows users to digitally share their data with service providers in exchange for easier access to credit, insurance and other services. When fully operational, this could bring a big change in the way businesses, individuals, services providers and others use digital data in their day-to-day operations.
The architecture, gives the control of data to the end user. Take, for instance, small business lending. Currently, when a small business applies for a loan, it has to provide reams of documents including KYC documents, audited financials for three years, tax returns and bank documents. The consent architecture allows sharing of the business’s data with a lender. With this machine readable data, the bank can perform credit evaluation in seconds. If the system works as proposed, India could even have real-time data on the economy.
Source: IndiaStack - ISPIRT
Source: ISPRIT
Reference
- http://dla.gov.in/sites/default/files/pdf/MeitY-Consent-Tech-Framework%20v1.1.pdf
- https://factordaily.com/consent-architecture-indiastack/