The Open Credit Enablement Network (OCEN) is an initiative that emerged in 2020 as a beacon of hope in the world of digital finance. Spearheaded by iSPIRT, the visionary non-profit think tank behind Aadhar and UPI, OCEN seeks to revolutionize credit access for MSMEs in India. It addresses the persistent issues brought on by the MSME credit gap, estimated at $250 billion. It sets standardized guidelines for the core aspects of credit flow, creating a fairer playing field for lenders, borrowers, and LSPs (Loan Service Providers). OCEN has improved its digital capabilities by bridging the gap between cutting-edge fintech businesses and conventional financial institutions. This initiative envisions a future characterized by paperless, cashless, and remote lending, empowering emerging MSME entrepreneurs to reshape India’s credit landscape. OCEN is driving financial inclusion and creating a more accessible and dynamic credit ecosystem for all the players.