Open Credit Enablement Network (OCEN)

It is essentially part of the IndiaStack. It is part of the APIs which provide a common set of applications or utilities. There LSPs or intermediaries are able to access information freely even though they have access to some information. Several lenders can access the information. OCEN is a set of open APIs that enables the competition. More than 90 customer-facing entities are engaging to become OCEN-enabled LSPs like tax and legal filing applications, neobanks, accounting & khata app companies, kirana tech, supply chain financiers, B2B e-commerce, social networks, agri-tech, payment gateways, and loan selection platforms.