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We are publishing a draft of the technical standards of the Personal Health Records (PHR) component of the National Health Stack (NHS)! As a refresher, these standards govern the consented sharing of health information between Health Information Providers (HIPs) - like hospitals, pathology labs, and clinics - and Health Information Users (HIUs) like pharmacies, medical consultants, doctors, and so on. The user’s consent to share their health data is issued via a new entity called a Health Data Consent Manager (HDCM). The problem today is that the electronic health records listed in one app or ecosystem are not easily portable to other systems. There is no common standard that can be used to discover, share, and authenticate data between different networks or ecosystems. This means that the electronic medical records generated by users end up being confined to many different isolated silos, which can result in frustrating and complex experiences for patients wishing to manage data lying across different providers. With the PHR system, a user is able to generate a longitudinal view of their health data across providers. The interoperability and security of the PHR architecture allows users to securely discover, share, and manage their health data in a safe, convenient, and universally acceptable manner. For instance, a user could use a HDCM to discover their account at one hospital or diagnostic lab, and then select certain electronic reports to share with a doctor from another hospital or clinic. The flow of data would be safe, and the user would have granular control over who can access their data and for how long. Here is a small demo of the PHR system in action. The standards in the draft released today offers a high-level description of the architecture and flows that make this possible.
Health Information Flows Technical Standards - V 0.5
Health Information Flows Technical Standards - V 0.5
ProductNation/iSPIRT
India recently kicked off the Data Empowerment architecture, a framework for consented data sharing across the financial sector. This allows Nandini (Persona) to share data on her business’ regular invoices or GST payments seamlessly and securely. Any bank or NBFC can now offer a regular stream of small-ticket working capital loans based on her demonstrated ability to repay. This is in sharp contrast to the status quo, where banks typically offer only larger loans backed by collateral. Using cash flows rather than collateral as the basis for credit is known as Flow-Based lending. Because producing collateral is a roadblock for the poorest Indians, Flow-Based lending may be their only opportunity to access the credit they sorely need for growth.
Nandan Nilekani: Identity, Payments, Data empowerment 2019
Nandan Nilekani: Identity, Payments, Data empowerment 2019
ProductNation/iSPIRT
In July 2018, NITI Aayog published a Strategy and Approach document on the National Health Stack. The document underscored the need for Universal Health Coverage (UHC) and laid down the technology framework for implementing the Ayushman Bharat programme which is meant to provide UHC to the bottom 500 million of the country. While the Health Stack provides a technological backbone for delivering affordable healthcare to all Indians, we, at iSPIRT, believe that it has the potential to go beyond that and to completely transform the healthcare ecosystem in the country. We are indeed headed for a health leapfrog in India! Over the last few months, we have worked extensively to understand the current challenges in the industry as well as the role and design of individual components of the Health Stack. In this post, we elaborate on the leapfrog that will be enabled by blending this technology with care delivery.
Towards A Holistic Healthcare Ecosystem
Towards A Holistic Healthcare Ecosystem
ProductNation/iSPIRT
Key Issue Plaguing Startups And Indian Investors Recommendations
Angel Tax Presentation To DIPP [Section 56(2)(viib)]
Angel Tax Presentation To DIPP [Section 56(2)(viib)]
ProductNation/iSPIRT
High share premium is not the basis of a high valuation but the outcome of valid business decisions. This new whitepaper by iSPIRT highlights how share premia is a consequence of valid business decisions, why 56(2)(viib) is only for unaccounted funds and measures to prevent valid companies from being aggrieved by it
White paper on the analysis of High share premium amongst Startups in India
White paper on the analysis of High share premium amongst Startups in India
ProductNation/iSPIRT
Angel Tax (Section 56(2)(viib)) has become a cause celebre in Indian startup circles due to its broad-reaching ramifications on all startups raising capital. This paper traces the origin of this section, it's analysis, impact, how it adversely affects startups. Special mention is also made of the seldom covered Section 68 and it's used in conjunction with Section 56(2)(viib). The paper also proposes recommendations to ensure that genuine companies are not aggrieved by this while the original intent of the section is preserved.
[Angel Tax] White Paper On Section 56 (2)(viib) And Section 68
[Angel Tax] White Paper On Section 56 (2)(viib) And Section 68
ProductNation/iSPIRT
New digital lending architecture: As Indian consumers and business go from being data poor to data rich in next 3 years, a new lending architecture which is digital, based on data footprints and using algorithms can scale up rapidly to provide credit for the underserved. This includes P2P lending. The Electronic Consent layer of the India Stack will leverage this data tsunami.
Building For A Billion
Building For A Billion
ProductNation/iSPIRT
We believe that India is at a unique tipping point where only a fraction of its users have gone online, and a majority are yet to do so. Therefore, it is critical that we build the right set of protections and empowerments for these users as they enter the digital world. It is equally important not to limit our thinking to simply “protection” of data. We must also question how we can “empower” individuals, who will be data rich before they are economically rich, with better access to their own healthcare data such that they can become more engaged participants and managers of their health care. We welcome the proposed DISHA Act that seeks to Protect and Empower Individuals in regards to their electronic health data - we have provided our feedback on the DISHA Act and have also proposed technological approaches in this response
iSPIRT's Response on Digital Information Security in Healthcare Act (DISHA)
iSPIRT's Response on Digital Information Security in Healthcare Act (DISHA)
ProductNation/iSPIRT
Welcome to the Third edition of the India SaaS Survey by DCS Advisory, India’s largest software investment banking advisory practice, in partnership with iSPIRT
India SaaS Survey Results 2017 in partnership with DCS Advisory
India SaaS Survey Results 2017 in partnership with DCS Advisory
ProductNation/iSPIRT
It is widely known that the amount of data generated daily worldwide is rising at an incredibly exponential rate. Yet, what remains shrouded is how this data, particularly those data types concerning or generated by us, as individuals, are being used and stored by both the public and private sector. As we move into a data-driven world, it is crucial that the laws developed around Data center on the premise of both empowering and protecting the individual. In fact, the main purpose of the 4th layer of India Stack, the “consent layer”, is just this: to provide for a set of tools and utilities, as part of the Data Empowerment and Protection Architecture (DEPA), that empower citizens to assert control over their data. The Justice Srikrishna led committee of experts has released a White Paper articulating their provisional thoughts on the Data Protection Framework, and are seeking public comments on the subject. iSPIRT has submitted a formal response to the White Paper. You can also read the blog post lays out our current views regarding Data Protection here: http://pn.ispirt.in/india-in-a-digital-world/
iSPIRT’s Response- White Paper on Data Protection Framework for India
iSPIRT’s Response- White Paper on Data Protection Framework for India
ProductNation/iSPIRT
Bharat BillPay System workshop at Bengaluru on 7th February 2018 at Thought Factory Welcome Address by A.R. Ramesh – Chief Project Officer, BBPS 2 Key Note Address by Dr. Pramod Varma – Member, Technology Advisory Committee, NPCI 3 BBPS Product & Business overview – Rahul Tandon, AVP – BBPS 4 BBPS Technology Walk Through – Arulananda Selvakumar – VP – Technology, BBPS 5 BBPS – Virtual API Sandbox Launch – Dr Pramod Varma
BBPS Workshop in partnership with NPCI | Product, Business & Technology Overview
BBPS Workshop in partnership with NPCI | Product, Business & Technology Overview
ProductNation/iSPIRT
Platforms help create more open platforms. Indian entrepreneurs will address the scale and diversity of India by building smart solutions on top of these DIGITAL PLATFORMS!
India's Platforms Leapfrog by Dr Pramod Varma
India's Platforms Leapfrog by Dr Pramod Varma
ProductNation/iSPIRT
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iSPIRT’s Official Response to the Draft Drone Rules 2021
iSPIRT’s Official Response to the Draft Drone Rules 2021
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In our research paper titled "Qualitative Analysis on Tax Evasion and Reasons for Reluctance to Join ATL in Pakistan," we delve into the intricate dynamics of tax compliance and explore the underlying reasons why individuals in Pakistan might hesitate to become a part of the Active Taxpayer List (ATL) within the framework of business law and taxation. With a multidisciplinary approach, our team of five researchers embarked on an in-depth exploration of tax evasion behaviors and the factors influencing them. Through qualitative analysis, we aimed to unravel the complex interplay of socio-economic, cultural, and institutional factors shaping tax compliance attitudes among Pakistani taxpayers. Drawing on a diverse range of qualitative research methods, including interviews, focus groups, and content analysis, we gathered rich insights from a diverse sample of individuals representing various sectors of the economy. By immersing ourselves in the lived experiences and perceptions of taxpayers, tax advisors, and legal experts, we uncovered nuanced perspectives on tax evasion practices and attitudes toward ATL membership. Our findings highlight the multifaceted nature of tax evasion in Pakistan, shedding light on both the motivations driving non-compliance and the barriers to ATL enrollment. From perceived inefficiencies in the tax system to cultural norms and trust deficits in governmental institutions, our research identifies a myriad of factors contributing to tax evasion behavior and reluctance to join ATL. Furthermore, our study offers valuable implications for policymakers, tax authorities, and business stakeholders seeking to enhance tax compliance and foster a culture of transparency and accountability in Pakistan's taxation landscape. By addressing the underlying drivers of tax evasion and promoting the benefits of ATL membership, policymakers can design more effective strategies to broaden the tax base and promote sustainable economic development. In conclusion, our research paper represents a comprehensive endeavor to deepen our understanding of tax compliance dynamics in Pakistan and elucidate the complexities surrounding ATL enrollment. By unraveling the intricacies of tax evasion behaviors and attitudes, we hope to contribute to informed policymaking and foster a culture of tax compliance and integrity in Pakistan's business and taxation environment.
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Rewriting the Script of a Nation - Indian Software Product Industry Round Table
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