Sagari Gupta

India’s rapid shift toward a digitally mediated financial system has delivered gains in efficiency, inclusion, and transaction speed. At the centre of this transformation is the Unified Payments Interface, now processing billions of transactions each month and functioning as the backbone of retail payments. This architecture improves access and reduces friction, but it also concentrates operational dependence within a tightly connected system where vulnerabilities can scale quickly. Recent...

India’s AI curriculum broadens access, but risks widening the employability gap. India’s Economic Survey 2024-25 flagged the tension directly. Chief Economic Advisor V. Anantha Nageswaran noted that while technology eventually creates more jobs than it displaces, the critical period lies in between. That interval requires supporting institutions, changed academic curricula, and changed workplace practices. India’s AI education policy, rolled out through CBSE from 2026-27, is one such...

The government’s school reform agenda promises transformation, but delivery gaps in staffing, infrastructure and funding threaten to blunt its impact. India’s school education system is undergoing its most significant structural change in a decade. From the 2026-27 academic session, the Central Board of Secondary Education (CBSE) is implementing three reforms simultaneously: a mandatory third language from Class 6, computational thinking (CT) and artificial intelligence (AI) integrated into...