IT for Change's research series on Intelligence Infrastructures interrogates essential digital infrastructures that underpin the economy, society, and governance, putting the spotlight on the need for democratic control of these building blocks of tomorrow. Policies must straddle a people-centric vision of tech-design and institutional mechanisms so that these infrastructures can deepen social and public value, rather than undermine them.
Supported by International Development Research Centre (IDRC) Canada and the Fair, Green and Global Alliance (FGG), the project responds to the increasing mediation of our socio-cultural, economic, and political life by data assemblages controlled by digital corporations. How can states design accountable, inclusive, and transformative digital infrastructures of tomorrow is a key concern for the project.
Data Empowerment and Protection Architecture: Side-Stepping Empowerment for Convenience?
Policy Brief | December 2021
India has recently launched a model for data governance to facilitate increased consent-centric data sharing across sectors such as health, telecommunications, and finance, called the Data Empowerment and Protection Architecture (DEPA). The project’s first leg targets the finance sector, where DEPA has been implemented through the Account Aggregator (AA) framework with an explicit mandate to enhance financial inclusion through credit access.
While significant segments of India’s population are excluded from networks of formal credit, the combination of digital technology, dynamic start-ups, and a strong public infrastructure have the potential to significantly alleviate this problem. However, with an initiative such as DEPA, the finer details of its implementation will determine whether it serves as a genuine ‘public good’. Instead, is it just poised to extend a form of inclusion that would expose some of the country’s most vulnerable and marginalized populations to the volatile and dangerous pressures of the predatory, accumulative process driving financial capitalism today? What is the more likely outcome, given the information available? This essay attempts to engage with these questions through a careful and critical analysis of DEPA’s proposed framework, as well as the proposed regulatory mechanisms envisioned to oversee it.
Credit Scoring Algorithms as Tools for Financial Inclusion: A Development Perspective
Think Piece | February 2022
This think-piece explores the development implications of using algorithmic scoring models as tools of financial inclusion. It aims to engage with the use of such models not as a technological transformation underpinned by Big Data and machine learning, but as a fundamental political shift reflected in the willingness to dispense the task of shaping the normative framework of creditworthiness to a process of algorithmic datafication. In doing so, it raises important questions about who really benefits from the use of such infrastructures and highlights alternate imaginaries that may be required in order for them to meet the development goals of financial inclusion and economic empowerment.