G20+通过数字公共基础设施促进金融包容性和生产力收益的政策建议：2023+年金融包容性全球伙伴关系-英-79页_1mb

Advancing Financial Inclusion and Productivity Gains Through Digital Public Infrastructure

Digital Public Infrastructure (DPI) refers to interoperable, open, and inclusive digital systems that support essential public and private services. DPI, including digital IDs, payment systems, and data exchange platforms, can advance financial inclusion by reducing barriers to accessing financial services, enabling account opening, government-to-person payments, remittances, and MSME finance. This leads to productivity gains through cost reductions, increased competition, and improved user experiences.

Key risks include operational, legal, insolvency, exclusion, and consumer protection challenges, which require robust governance, risk management, and inclusive design. Policy recommendations emphasize fostering DPI use, developing well-designed systems, implementing risk-based regulation, ensuring sound governance, and safeguarding consumer interests.

Country case studies, such as India's UPI, Bangladesh's e-KYC, and Rwanda's digital initiatives, demonstrate DPI's transformative impact on financial inclusion, particularly in underserved populations. Overall, DPI enables leapfrogging digital transformation in both developed and emerging economies, supporting broader goals like sustainable development and inclusive growth.