Smriti Parsheera

Smriti Parsheera

Research Ambassador, Interledger Foundatin

Smriti Parsheera

Smriti Parsheera is lawyer and public policy researcher focused on issues at the intersection of technology and society. She is a current Interledger Research Ambassador working on a project to understand the lived experiences of digital and financial inclusion in the remote Himalayan district of Lahaul-Spiti in northern India. She is also a Non-Resident Fellow with the CyberBRICS Project at FGV Law School, Brazil and serves on the board of Point of View, an organization that explores digital technologies through a feminist lens. Smriti has contributed to numerous research publications and book projects on topics that include privacy and data governance, digital public infrastructure and competition policy. Her edited book, Private and Controversial: When Public Health and Privacy Meet in India, was published by HarperCollins in 2023. Smriti studied law at the National Law School of India University, Bangalore followed by a LLM from the University of Pennsylvania School of Law. She is currently pursuing a PhD in policy studies from the Indian Institute of Technology Delhi.

The promise and peril of DPI for competition policy: 'Alt big tech' in the making?

Many countries have reaped the benefits of financial inclusion, efficiency and scale from building DPIs in the field of digital payments. India's Unified Payments Interface (UPI) and the Brazilian PIX system are among the commonly cited examples. A large part of the success of such systems can be attributed to the design principle of pursuing interoperability among market players through the use o…

Competition and financial inclusion: competing or complementing goals in DPI & interoperability

Interoperability in the payments ecosystem and the implementation of a digital public infrastructure (DPI) for digital payments have the potential of fostering two separate goals: market competition and financial inclusion. Nevertheless, depending on the authority advancing each measure and the legal mandate it has been entrusted with, those objectives could be regarded as competing (one is consid…