The next DPI — how India can commoditise AI

India made identity, payments, and data free. Intelligence is next. No other country has deliberately built all three as a digital public infrastructure (DPI) stack at India’s scale. Others have developed only pieces of this. Estonia has a world-class digital identity system, but nothing comparable to UPI. Brazil’s Pix is an excellent free payments rail, but it stands alone. Singapore has Singpass and SGFinDex, while Europe has open banking and data portability. India’s genuine claim to global leadership in public digital infrastructure lies in this unique combination. Its distinctiveness is not any single component, but the integration of Aadhaar, the Unified Payments Interface (UPI), and DEPA/Account Aggregator as interoperable public digital rails.

Between September 2016 and 2019, the cost of a gigabyte in India fell from about $4 to under 30 cents, making it among the cheapest in the world. The result was not a telecom story. It was a civilisational one: 500 million people came online in half a decade, powering India’s digital economy such as payment volumes, the startup ecosystem, the direct-benefit transfers reaching the last village. Aadhaar enrolled 1.4 billion people and turned identity verification from an expensive paper process to a low-cost API call. UPI made digital payments effectively free, processing around 20 billion transactions a month at near-zero cost. India made data free not by subsidising it, but by letting one player absorb the fixed costs of a nationwide 4G network, price at marginal cost, and force every incumbent to match or die.