Digital Public Infrastructure: Governance Models and Implementation Challenges

Julian Morris May 28, 2025

TechREG Chronicle, May 2025 View Original Source

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Abstract

This paper examines the concept of Digital Public Infrastructure (“DPI”) with a focus on digital identity systems and real-time payment (“RTP”) networks across various countries. It compares different ownership, control, and regulatory models. The evidence suggests that while government-led DPI initiatives can achieve rapid adoption, they typically create market distortions and inhibit innovation through self-preferencing and regulatory capture. More decentralized approaches tend to foster competition and innovation while avoiding technological lock-in, ultimately leading to more sustainable digital ecosystems.