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Open Network for Digital Commerce (ONDC) is an initiative aiming at promoting open networks for all aspects of exchange of goods and services over digital or electronic networks. ONDC is to be based on open-sourced methodology, using open specifications and open network protocols independent of any specific platform.  T Koshy is the CEO of ONDC where he focuses on building digital solutions to population scale problems. He also has a long background in the finances space, having worked in NSDL and EY for over 30 years. He is a graduate of IIM-B.  Nikhil Kumar is the Co-Founder & Chief Evangelist at Setu. Nikhil was earlier with the iSPIRT Foundation, where he worked on building a vibrant developer ecosystem for Unified Payments Interface (UPI) and Goods and Services Tax Network (GSTN). Before starting up, Nikhil worked together with Infosys co-founder Nandan Nilekani on the “India Stack" of Aadhaar and UPI.