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ONDC-FIS-Specifications

These specifications are to enable ONDC Network Participants to expose or consume financial services on ONDC.

ONDC mobility specification is an adaptation of beckn financial specifications.

These specifications will be released in multiple phases enabling different use case and enhancements.

ONDC Financial Services developer guide link

Latest Version

v1.0.0

Earlier Versions

Version Release Date beckn Version Comments
v1.0.0 non-git release core - 1.1.0 Gift Card use case enabled doc link
v2.0.0 TBD financial-service - 0.2.0
core - 1.3.0
- Added UI for specification visual
- Credit use cases enabled

Introduction

Open Network for Digital Commerce (ONDC) is a network based on beckn open protocol and will enable local commerce across segments, such as mobility, retail etc, to be discovered and engaged by any network-enabled application.

ONDC financial services aims to build a nationwide multi-modal network that provides seamless experiences, supports growth & innovation by,

  • bringing together a diverse set of financial services players who can engage with the open network on their own terms
  • fostering collaboration, sharing & new models
  • facilitating responsive policy by bringing onboard decision making authorities

In the financial service space, the intent is to enable seamless and truly interoperatable service options by bringing in diverse inventory onboard at scale that will serve the country’s population.

This would be possible in the financial service domain by making sure all financial services apps in the network are built in such a way as to enable them to communicate with each other in the same language.

Enabled/Supported use cases on network

  • Purchase of Gift Card
  • Credit use case: Personal loan and Invoice based loan

Working with Protocol

Refer the link for details regarding how to use this repository

Evolution

The evolution of ONDC FIS specification driven by 2 factors:

  1. The beckn financial services and/or core specification evolution.
  2. ONDC Network Participants recommendation and requirement for enhancing and expanding the network use cases & experience.

To know more about how the specification evolves, visit the Network GOVERNANCE document.

To follow discussions related to the financial services specification please visit the Discussions Forum on GitHub

Each major release of ONDC financial service specification will be approved by ONDC financial service working group members for which are listed here

For minor releases for bug fix and cosmetic changes ONDC would make a minor release based on internal approval process and update the committee in the next scheduled discussion.

Contribution

Contribution to specifications

Anyone can contribute to the specification. Please refer beckn contribution guidelines.

Contribution to network

Anyone can contribute to the network enhancements. Contributors must follow the contribution guidelines.

Each contribution will be peer-reviewed by the ONDC financial services committee members. If approved, this contribution will be merged with the applicable versions of the specification.

What is Contribution to network

Addition/Modification of examples, enum, policies which are very specific to the networks scope and purview.

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