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Rural Inclusivity of Digital ID @Seamless Asia 2019

Rural Inclusivity of Digital ID @Seamless Asia 2019

my talk at Seamless Asia 2019, Singapore
demonstrating how India has transformed into a Digitally Inclusive nation and positive impacts in the lives of people living in Rural India.

my talk at Seamless Asia 2019, Singapore
demonstrating how India has transformed into a Digitally Inclusive nation and positive impacts in the lives of people living in Rural India.

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Rural Inclusivity of Digital ID @Seamless Asia 2019

  1. 1. Rural Inclusivity of ABHISHEK RANJAN Chief Technology Officer, CSC EGOV Seamless Asia June 2019 Digital ID
  2. 2. India’s Geography Location types 7 large metro city, 65 cities, approx. 700 towns and 668 thousand villages Mobile More than 1 billion mobile subscribers are now active Population – 1.34 billion As per records the current population is 1.34 billion in the year 2019 of which 33.5% live in urban areas while 66.5% in rural locations. 48.2% 51.8% Female Male Bank Accounts 20 million above 15 years are unbanked, recently 336 million were introduced into formal banking system between 2015- 2018 Urban 452 million. 233 million Males 219 million Females Rural 897 million. 463 million Males 434 million Females
  3. 3. Paper IDs Passport Accepted globally trust on the genuine print and doc similarly the currency Electronic Photo ID Card Issued by the Election commission of India entitles one to Vote. Driving License Allows one to drive vehicles Photo Pensioner Card Issued to one who is enrolled as a pensioner. PAN Card Permanent account number used for filing income tax returns in India. Job Cards NREGA job card issued to rural folks registered under the employment scheme Common paper based ID issued & used in India. Arms License Issued to one who would require to keep firearms in possession. Ration Card Used for availing food subsidy and other related services
  4. 4. ID Challenges Common challenges faced by rural citizens in usage of paper based ID including issues related to viability as well as issuance of such ID. 1 2 3 5 4 Enrolment Cumbersome registration and issuance process with delays Acceptance Widespread usage and consistently not acceptable across Digitization Verification Security ID data is not available in digitized form, mostly recorded & issued on paper Physical documents prone to damage, theft, loss or duplication & impersonation Lack of standardised mechanism for document verification
  5. 5. What is a Digital ID? A digital ID is the electronic equivalent of an individual's identity card. A digital ID can be presented electronically to prove an individual's identity and their right to access information or services online. Non Repudiable assurance that someone cannot deny something Unique & Secure de-duplicated before issuance and secure for usage Verification & Reliability authenticate ID holder online & electronically.
  6. 6. Digital ID Portable nationwide portability as it can be authenticated anywhere on-line, millions of Indians migrate from one state to another or from rural area to urban Secure number is a random number devoid of any intelligence E-KYC Online electronic know your customer to facilitate registrations and resident info validation. Financial Address Bank accounts linked with Aadhaar becomes your financial address for use in financial transactions Welfare Scheme Entitles for seamless benefits under state run social welfare schemes like PDS, Scholarships. Unique achieved through the process of demographic and biometric de-duplication Direct Benefit Transfer Aadhaar can be used to get benefits for popular welfare programs be transferred to linked bank account. To empower residents of India with a unique identity and a digital platform to authenticate anytime , anywhere Scalable UID architecture is open and scalable. Resident’s data is stored centrally and authentication can be done online from anywhere
  7. 7. Aadhaar Events 2010 2012 2016 2019 2012 20 million Aadhaar were issued by September 2012. Online verification of Aadhaar was also launched. 2019 Over 1.20 billion Aadhaar have been issued till date. 30 billion authentications done till date. 2016 1 billion Aadhaar was issued in April 2016. The Aadhaar Act was also notified. 2009 - 2010 UIDAI was formally started, with policy drafts, field tests initiated to build the worlds largest identity platform in the year July 2009, while the first Aadhaar was delivered in September 2010.
  8. 8. Aadhaar Enrolment Enrolment To enrol in Aadhaar you would require to visit the nearest Aadhaar centre. Review & Submission The enrolment data and your consent will be read out and accordingly you will be handed over with an acknowledgement citing your Enrolment number. Biometric Bio data will be captured along with the demographic including 10 fingerprints, 2 Iris & Face Data & Documents Minimum data would be asked and pre-listed documents to help you complete your Aadhaar enrolment
  9. 9. Aadhaar Authentication Authentication authentication is the process wherein the UID, VID or UID Token along with other attributes can be verified with information available at CIDR. The authentication service responds with a yes/no only. E-KYC resident authorizes UIDAI post Aadhaar authentication to provide their basic demographic data for POI & POA along with photograph to service provider. facilitates complete paperless KYC experience and helps avoid repeated KYC, reduces paper handling, storage and risk of handling forged document. digital online verification platform that enables residents to prove their identity & confirm who they say they are
  10. 10. Authentication Statistics E-KYC over 7 billion transactions AUTHENTICATION over 30.6 billion transactions Demographic over 7.5 billion transactions Biometric Fingerprint over 21.5 billion transactions Biometric Iris over 598 million transactions OTP over 719 million transactions MALE 51.6% FEMALE 48.3% 2015 2019 550 million 30 billion Daily Average of 28 million authentications and 2 million e-KYC
  11. 11. Digital India flagship programme launched by the Government of India to ensure service delivery to citizens electronically initiative includes plans to connect rural areas with high-speed internet networks the development of secure & stable digital infrastructure, delivering govt. services digitally, and universal digital literacy CONNECTIVITY Broadband Mobile Public Internet E-GOVERNANCE Government systems, databases to be build online SERVICES Government services to be delivered electronically & systems be made transparent MANUFACTURING Facilitate electronics manufacturing to foster reduced imports CAPACITY Increase job opportunities, setup facilities for early incubation of prospective systems for digital operations
  12. 12. JAM Mission JAN DHAN YOJANA 190 million 168 million 358 million 212 million in rural 146 million in urban 18 % higher in rural location. AADHAAR 600 million 638 million 1.24 billion 797 million in rural 442 million in urban 18 yrs+ 5-18 yrs 0-5 yrs 73% 23.2 %3.7% 183 million 838 million 1.02 billion subscribers 458 million in rural 563 million in urban 500 million Aadhaar linked subscribers MOBILE
  13. 13. Digital Payments empowers a bank customer to use Aadhaar to access Aadhaar enabled bank account 24x7 Facilitates cash withdrawal, cash deposit, balance enquiry, mini statements & fund transfer. payments made using digital instruments, the payer and the payee, both use electronic modes to send and receive money Aadhaar Enabled Payment System is a bank led model which allows online interoperable financial inclusion transaction of any bank using the Aadhaar authentication Aadhaar Payment Bridge central key for electronically channelizing the Government subsidies and benefits in the Aadhaar Enabled Bank Accounts of the beneficiaries transfers benefits & subsidies in a seamless & timely manner and directly into the Aadhaar linked Bank Account.
  14. 14. Digital Signature Secure Service the signature is done on backend by trusted service providers licensed as Certifying Authority, enhance security and prevent misuse Private keys are created on HSM and destroyed immediately after use Flexible & Easy configurable authentication options to verify the identity of the signer and enables users easy access to legally valid Digital Signature service Tax Return Tax returns require them to be digitally signed and submitted. Respects Privacy ensures the privacy of the signer by requiring that only the thumbprint (hash) of the document be submitted for signature function G2C Services Largely for services which require some or the other form of signed documents to be submitted. electronic signature service is an innovative initiative for allowing easy, efficient, and secure signing of electronic documents E-Sign uses Aadhaar authentication for real time paperless KYC for issuance of a DSC electronically process includes signer consent, Certificate issuance request, Digital Signature creation & affixing as well as Certificate acceptance in accordance to IT Act over 70 million eSign done Government Applications, Banks, Lending etc.
  15. 15. PMG Disha unique initiative for digital literacy in rural India under the Digital India Programme, which will train 60 million citizens objective of the scheme is to empower citizens by training them to operate computers or digital access devices like tablets and smart phones target to reach 40% of the rural households by covering one member from every eligible household, while in 2014 only 6% of rural households were on- boarded 52% 48% Female Male 60 million targeted 22.9 million covered Digital Payments increased by 16% in rural locations CSC Centres 171 thousand VLEs Certifications Daily 34 thousand examinations 2017 2019 11.7 million registered & 5.8 million certified 9.91 million registered & 6.69 million certified
  16. 16. Ayushman Bharat aims to provide health protection cover to poor and vulnerable families against financial risk arising out of catastrophic health episodes provides financial protection (health insurance) to poor, deprived rural families & identified occupational categories of urban worker families with a benefit cover of 500 thousand per family. covers medical & hospitalization expenses for almost all secondary care and most of tertiary care procedures 1,350 packages covering surgery, medical & day care treatments including medicines, diagnostics are defined 107 million families 80.3 million in rural 23.3 million in urban Health Centres over 16 thousand centres Beneficiaries over 37.4 million cards issued Treatments over 2.9 million treated 2018 2019 3.9 million registered and 0.6 million treated 33.5 million registered and 2.3 million treated
  17. 17. ShramYogi Mandhan aims at providing pension support for unorganized workers across the country pension scheme for the unorganized workers to ensure old age protection for subscribers workers engaged as home based workers, street vendors, landless labourers, agricultural workers with monthly income up to 15 thousand of age group 18-40 years 400 million workers 266 million in rural 134 million in urban Benefits over 120 billion estimated Contributions over 363 million submitted Age over 1.69 million in 26-35 yrs 54% 46% Female Male 1 2 1.64 million females & 1.42 million males 3 million registered & 1.68 million in rural locations
  18. 18. Direct Benefits Governance regime to ensure a simple and user-friendly G2P interface and directly deliver entitlements re-engineer the existing cumbersome delivery processes using modern technology to transfer benefits directly to beneficiary accounts preferably Aadhaar seeded Electronic transfer of benefits, minimizes levels involved in benefit flow, reduced delay in payments, accurate targeting of beneficiaries as well as in curbing pilferage & duplication 53.4% 46.6% Female Male beneficiaries 458 million in rural 563 million in urban 2017 2018 APB 39.1% through Aadhaar 439 schemes with savings of 1.4 trillion in funds 232 million people 104 billion worth benefits 273.5 million Aadhaar seeded 590 million beneficiary 133 million bank accounts linked Transfers 39 billion in 2019 & up to 7.4 trillion till date
  19. 19. Fasal BimaYojana government sponsored crop insurance service for farmers for their yields. One nation one scheme PMFBY aims to provide a comprehensive insurance cover against failure of the crop thus helping in stabilizing the income of the farmers aims to reduce the premium burden on farmers and ensure early settlement of crop assurance claim for the full insured sum, uniform premium of 2% for farmers 2016 2017 40.2 million farmers 1.3 trillion sum assured 34.7 million farmers & 1.2 trillion sum assured Aadhaar Based over 6.9 million registrations Claims Processed over 880 million Land Covered over 90 million Hectares
  20. 20. Common Service Centre mission mode project under Digital India created as frontend access points for service delivery across the nation physical facilities for delivering Government of India e-Services to rural and remote locations where availability of computers and Internet was negligible or mostly absent delivery of essential public utility services, social welfare schemes, healthcare, financial, education and agriculture services, apart from host of B2C services to citizens in rural and remote areas of the country Aadhaar Authentication 300 million transactions DigiPay 84.4 million banking transactions Economic Survey 0.9 million enumerators 2015 2019 100 thousand kiosks 28 million e-transactions 378 thousand active kiosks 172 million e-transactions Aadhaar 192 million enrolment Ayushman Bharat 25 million registrations PMG Disha 22.9 million registrations Insurance 1.2 million new insurance PM-SYM 3 million enrolment PAN Cards 7.2 million applications
  21. 21. Have Questions
  22. 22. Thank You Rural Inclusivity of Digital ID Abhishek Ranjan

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