“India’s methodical build of digital public goods, starting with Aadhaar, followed by Jan Dhan (bank accounts for all), and accompanied by affordable mobile connections (courtesy Jio) has led to successes such as the Unified Payments Interface (UPI). The next step in this journey seems likely to be to ensure that India Stack becomes truly transformative using Artificial Intelligence (AI) and reaches India’s 1.4 bn faster. This holds the promise of democratizing access to cutting edge technology for the masses whilst addressing issues which are unique to India e.g., giving low-income earners access to subsidies & loans; providing literacy and skilling from school through to vocational education; and providing SMEs access to voice powered bots which can service customers, take feedback, and improve the underlying product.”