I’ve been tracking India’s enterprise technology landscape for years—initially to spot Indian companies looking to expand globally, and over time, to understand how European tech firms view India as a growth market.
Today, it’s the latter that dominates my conversations. And almost every time, the discussion starts with a version of the same question:
“Can we really make it work in India?”
The answer isn’t a simple yes or no. India’s enterprise tech landscape has matured dramatically—from being an outsourcing hub to a full-blown, outcome-driven innovation ecosystem.
With the digital transformation market expected to grow from $108.42 billion in 2025 to $276.95 billion by 2030, the opportunity is being redefined.
This blog post (Part 1 of a 2-part series) is about what I see on the ground—from compliance clocks to low-code pilots, Digital Public Infrastructure (DPI) to AI paradoxes.
Whether you’re an enterprise buyer, startup founder, or a European partner looking to scale in India, here’s your briefing on where the real digital shift is happening.
Theme 1: The Great Pivot—From Cost Arbitrage to Outcome Obsession
India’s enterprise technology story has evolved far beyond cost savings. The focus now is on delivering measurable business outcomes at speed—especially in Artificial Intelligence (AI), but also across hyperautomation, low-code platforms, cloud, and digital infrastructure.
According to IBM’s 2024 AI Adoption Index, India leads globally in enterprise AI deployment, with 59% of organisations actively deploying AI and 74% ramping up AI investments in the past 24 months.
For instance, Bajaj Finance has launched over 300 generative AI pilots, delivering results in lending, customer service, and fraud detection. The company migrated the majority of its workloads (over 90%) to the cloud, streamlining operations and using digital adoption platforms to reduce loan onboarding time and costs.
L&T Finance (LTF) has deployed an AI-driven underwriting system (“Project Cyclops”) to enable rapid credit decisions, mobile-first customer journeys, and real-time data integration. Combining bureau, alternate, and account aggregator data with Aadhaar-based onboarding, LTF serves both rural and urban clients. Through its “PLANET” app ecosystem, LTF now handles customer acquisition, loan disbursal, and risk assessment digitally—cutting sanction times from days to minutes. The platform is deployed across 25+ rural sites with strong uptake in agriculture and group lending.
Key takeaway: Speed-to-impact and outcome certainty now drive technology purchasing, spanning Tier-1 banks to state agencies and SMEs. Regulatory compliance, DPI integration, and cloud-native modernisation reinforce this outcome-led mindset.
Theme 2: Technology Stack Reality—What’s Actually Working
Indian enterprises adopt pragmatic, modular, and scalable technology stacks, prioritising:
- AI/ML: Predictive analytics, fraud detection, customer experience
- Cloud-native platforms: For agility and rapid scale
- Blockchain: Secure transactions, especially in supply chain and banking
- 5G: Unlocking IoT and real-time services for logistics and utilities
Consider these examples:
- Softlabs Group created AI-driven inventory and logistics management tools that improved traceability and virtually eliminated stock mismatches.
- Infosys BPM supports financial institutions globally to achieve real-time, highly regulated, and efficient digital finance operations by embedding automation, artificial intelligence, and compliance into Infosys BPM solutions. In May 2025, Infosys BPM unveiled AI agents integrated into finance workflows to automate invoice processing with advanced decision-making capabilities, boosting efficiency and accuracy.
Theme 3: BPM, Low-Code & Constellation Architectures—Agility Engineered
Within these modern stacks, Business Process Management (BPM) and low-code/no-code platforms stand out for driving agility and compliance. BPM orchestrates workflows across systems, while AI and automation plug into this framework to deliver faster, smarter, and more auditable processes. Today’s BPM platforms increasingly integrate these technologies to enable compliant, adaptive execution enterprise-wide.
For example:
- Union Bank of India adopted a modular digital cash and payments management platform, modernising customer engagement.
- Axis Bank leveraged Robotic Process Automation (RPA) to automate claims processing, reducing turnaround times substantially.
- The Hyderabad Metro Water Board digitised field inspections in just 15 days using Quixy’s no-code tools.
These cases illustrate how BPM and low-code platforms accelerate compliance, reduce time-to-market, and empower business users—critical capabilities as Indian enterprises navigate rapid regulatory shifts and innovate business models.
This renewed emphasis on BPM and low-code/no-code isn’t isolated;
it reflects broader shifts toward agility, measurable outcomes, rapid scaling, and compliance-first thinking.
BPM and low-code bridge strategy and execution, enabling Indian enterprises to move beyond cost arbitrage toward impactful, fast innovation.
Theme 4: The DPI Advantage—India’s Digital Infrastructure Power Play
India’s Digital Public Infrastructure (DPI)—including Aadhaar, UPI, DigiLocker, and ONDC—forms the backbone of the country’s leapfrog digital service transformation.
- DigiLocker has issued over 6 billion electronic documents, reducing paperwork by over 80% and accelerating KYC and onboarding for financial services.
- The Open Network for Digital Commerce (ONDC) opens e-commerce access to small sellers in Tier-2/3 cities via open, interoperable platforms beyond Amazon and Flipkart.
For European firms, DPI acts as a multiplier—not just an alternative—drastically lowering infrastructure and compliance thresholds for MSMEs, fintechs, and public programs.
Theme 5: Pilots First, Proof Later—India’s Smart Risk Model
Traditional multi-year RFPs are being replaced by fast pilots that prove value before major investments.
NASSCOM’s Digital Enterprise 2025 report notes that over 55% of Indian enterprises complete pilot-to-production transitions in under six months, with AI projects often demonstrating measurable value within 2–3 months. Additionally, more than 40% of large enterprises and over half of mid-sized firms now take a pilot-first approach.
ICICI Bank: Digital Loan Origination Pilot
ICICI Bank piloted a digital loan origination process for personal and MSME loans, focusing on automating credit decisions and document processing with AI-driven workflows. After proving faster approvals and improved compliance in the pilot phase, the solution was rapidly scaled nationwide, improving operational efficiency and customer experience.
Tata Power Delhi Distribution Limited (TPDDL): Smart Meter Pilots and Scalable Grid Modernization
Tata Power Delhi Distribution Limited began phased smart meter pilot projects in 2018 to monitor energy usage and reduce losses. The pilots reduced Aggregate Technical & Commercial (AT&C) losses and improved billing accuracy, enabling real-time load management. The successful pilot-to-scale approach emphasised iterative testing and staff training, positioning TPDDL as a model for utility digitisation in India.
Adani Green: Low-Code Platform for Rapid Procurement Digitization
Adani Green Energy Ltd. leveraged low-code/no-code platforms to redesign procurement workflows within weeks. This pilot-first method allowed rapid validation of governance and operational efficiencies before full-scale rollout.
Key Takeaway
India’s digital market isn’t about cost savings alone—it’s about fast pilots, built-in compliance, and public infrastructure leverage. The case studies above are not exceptions. They are the new rule.
India rewards technology partners who co-create, experiment, and iterate quickly—while staying audit-ready.
What’s Next?
In Part 2, we’ll dive deeper into:
- Sector-specific tech stacks (BFSI, Manufacturing, Logistics, EdTech, Public Sector)
- Compliance, data sovereignty, and explainable AI
- How Indian enterprises really select vendors
- The hybrid model (European design + Indian execution)
- What European tech firms must adapt to succeed
Stay tuned: subscribe to InsightKraft or follow me on LinkedIn for the next part. The lesson for European firms? The Indian market won’t wait—but it will reward those who show up ready to experiment and deliver.
