India’s Ease of Doing Business journey has evolved beyond policy reforms. While government initiatives such as the Business Reforms Action Plan (BRAP), National Single Window System (NSWS), and the Reducing Compliance Burden programme have simplified regulations, a new generation of startups is helping businesses overcome operational bottlenecks from hiring and payments to software deployment and access to credit. Together, they are building the digital infrastructure that enables enterprises and MSMEs to operate faster, more efficiently, and at lower cost.
1. MiFiX.ai – Simplifying enterprise software deployment
While government reforms have reduced regulatory complexity, enterprises still spend months converting business requirements into deployable software. For banks and regulated industries, every new lending product, compliance update or workflow often requires long development cycles.
MiFiX.ai, developed by New Street Technologies, is addressing this execution gap through its AI-native, configuration-led platform. Rather than replacing existing core systems, it enables organisations to build and deploy enterprise applications, lending journeys, operational workflows and compliance processes in days instead of months while maintaining governance, auditability and banking-grade control.
As enterprises increasingly look beyond AI experimentation towards operational execution, platforms like MiFiX.ai are helping organisations reduce deployment timelines, improve productivity and lower the total cost of software ownership.
Ease of Doing Business contribution: Faster enterprise execution, reduced software deployment timelines, lower implementation costs, and simplified compliance-led technology transformation.
2. Apna – Helping businesses hire at scale
For millions of MSMEs, retailers, logistics companies and BFSI firms, finding skilled talent remains one of the biggest barriers to growth. Apna has built one of India’s largest jobs and professional networking platforms, connecting businesses with job seekers through AI-powered matching and skill-based communities.
The platform enables employers to fill roles more quickly while helping workers access verified employment opportunities, interview preparation and professional networking. With more than 10 million users and over 100,000 employers on the platform, Apna has become an important hiring partner for businesses across sectors.
Ease of Doing Business contribution: Faster hiring, improved workforce availability, and reduced recruitment costs for businesses.
3. Razorpay – Making financial operations frictionless
Running a business today involves much more than accepting payments. Companies need integrated banking, vendor payouts, payroll, invoicing and working capital.
Razorpay has evolved from a payment gateway into a full-stack financial platform, enabling businesses to manage payments, business banking through RazorpayX, payroll automation and capital requirements from a single ecosystem. By reducing operational complexity, it allows startups and MSMEs to focus more on growth than financial administration.
Ease of Doing Business contribution: Simplified digital payments, automated financial operations and faster access to business banking services.
4. Kiwi – Expanding access to formal credit
Access to working capital remains a challenge for many young professionals and small businesses. Kiwi is helping bridge this gap by combining the convenience of UPI with the benefits of credit cards, enabling users to make everyday UPI payments using a credit line.
Operating across 580+ cities, the platform is helping drive broader adoption of formal digital credit while making credit more accessible through familiar payment behaviour.
Ease of Doing Business contribution: Greater access to formal credit, improved cash-flow flexibility and wider adoption of digital financial services.
5. Zoho – Powering business operations from one platform
As businesses grow, managing customer relationships, finance, HR, collaboration and productivity across multiple software tools becomes increasingly complex.
Zoho has built one of India’s most comprehensive enterprise software ecosystems, enabling businesses to manage sales, accounting, HR, customer support, collaboration and operations through an integrated cloud platform. Particularly for startups and MSMEs, this reduces technology costs while improving operational efficiency.
Ease of Doing Business contribution: Affordable business software, streamlined operations and improved productivity across functions.
The bigger picture
The next phase of Ease of Doing Business will not be driven by regulatory reform alone. It will increasingly depend on technology companies that remove friction from everyday business operations—whether that’s hiring talent, accessing credit, managing payments, deploying enterprise software or running business operations. Together, these platforms are helping transform government reforms into real business outcomes.
