Digital public infrastructure has given millions of MSMEs the tools of inclusion - digital identity, instant payments, and data exchange. Yet most remain invisible to lenders, because the data that could prove their creditworthiness stays locked inside proprietary platforms. The barrier is no longer infrastructure, it is governance. Without common standards, consent-based sharing, and portable identity, transaction data cannot move with the business; competition stays limited; and credit assessment cannot be automated or scaled. Across borders, the absence of interoperable identity and data-sharing frameworks compounds the problem. This panel asks what it takes to turn DPI into MSME finance outcomes; the regulatory and institutional changes that unlock open, consent-based data sharing; the machine-readable standards and portable digital identities that let MSMEs carry verifiable financial histories across platforms; the role of verifiable credentials and digital wallets to make this happen; and the governance models that widen access to credit and cross-border markets.
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