As digital identity programs mature around the world, the biggest challenges are shifting from technology deployment to governance, interoperability and adoption. Governance before technologyRajesh Bansal is the former CEO of Reserve Bank Innovation Hub, and one of the founders of India’s Aadhaar national digital identity scheme. She says it’s also critical to keep digital ID optional – and making the experience good by offering “a smooth way in.” The ideas that underpin digital ID are not a hard sell: privacy, convenience, security, inclusivity. Article TopicsCambridge University | digital ID | digital inclusion | financial inclusion | Financial Innovation for Impact | KYC