<h1>Deputy Governor highlights digital infrastructure advances enabling financial inclusion through credit information systems and emerging technologies</h1> A Deputy Governor of India's central bank delivered a keynote address at a credit reporting company's 25th anniversary conference, discussing the evolution of India's credit infrastructure. The speech outlined how credit information companies have reduced information asymmetry between lenders and borrowers, enabling greater financial inclusion. Key developments include digital public infrastructure like unified payment systems, account aggregator frameworks, and the new Unified Lending Interface. The address highlighted emerging technologies including artificial intelligence, machine learning, and programmable digital currency for credit delivery. Initiatives targeting rural populations and small enterprises were emphasized, along with the growing role of financial technology companies in expanding credit access to underserved populations.