A G20 document prepared by the World Bank has praised India's digital public infrastructure (DPI) for its transformative impact on the country's financial inclusion rate. The document highlights the role of the JAM (Jan Dhan-Aadhaar-Mobile) trinity, along with other ecosystem variables and policies, in driving up India's financial inclusion rate from 25% in 2008 to over 80% in the last six years. The DPI network has also facilitated transfers of $361 billion directly to beneficiaries and has brought efficiency and cost savings to the private sector.