Is Digital India a Failure? Are there Gaps in UPI, ONDC and OCEN? Detailed Analysis

Digital India's initiatives like UPI, ONDC, and OCEN show promise but face significant gaps. While UPI has been successful, ONDC and OCEN struggle with user experience, bank participation, and execution. Lessons emphasize the need for follow-ups, private player incentives, and transparency to ensure these initiatives fulfill their potential.