Building DPI for Credit: Technology, Trust,and the Promise of ULI
What if credit worked like UPI?
In this sharp, future-focused session, Sahil Kini, CEO of the Reserve Bank Innovation Hub (RBIH), breaks down how India is building a Digital Public Infrastructure (DPI) for credit designed not just for scale, but for trust.
Instead of fragmented lending systems, the vision is a unified digital credit fabric powered by open APIs, consent architecture, and real-time intelligence.
This isn’t just about faster loans.
- It’s about:
- Platformizing credit delivery
- Embedding trust and consent at the protocol level
- Using AI and alternate data for smarter underwriting
- Enabling real-time, interoperable credit rails
Building public-good infrastructure for inclusive growth
