Through our solution we foresee an impactful self-sustainable business organization known for its robust tools and technology which ensures: a) Data protection and privacy of cardholders, b) No surveillance of residents, c) Welfare services to each and everyone at the bottom of the pyramid, d) Touches individuals as well as micro business entities, and e) Exporting technology and consulting services to other nations.

1. Gaurav Bhati
IIM Kozhikode
CEO
Ankita Markan
Shri Ram College of Commerce
Head of Human Resource
Yash Jain
Savitribai Phule Pune University
Head of IT
Saurabh Jawade
IIM Kozhikode
Head of Finance
Varun Dave
Merkle Sokrati
Head of Marketing
Shruti Swami
Amity University
General Manager
Developing strategic architecture for
‘AADHAAR’
to provide self-sustained business model
Team
Kalam
Ruchika Jain
Nemichand Jain College
New Team Member

2. Aadhaar
Considered a proof of residence and not a proof of citizenship, Aadhaar does not itself
grant any rights to domicile in India.
Tool for streamlining government expenditure & better targeting through JAM (Jan
Dhan, Aadhaar, Mobile) initiative. Enabler for transparent and accountable system of
public expenditure.
SC on Sept’ 2018 issued landmark decision stating that Aadhaar’s benefits outweighs its
associated risks but private entities cannot compel their customers to provide their
Aadhaar number as a condition of service to verify their identity.
Social inclusion project with a developmental focus & enabler for empowerment of poor
A 12-digit unique identity number that can be obtained by residents of India, based on
their biometric and demographic data.
Concerns raised against Aadhaar: Privacy, Surveillance, Exclusion from welfare benefits.

3. Current Features
• Only a random number – for life time,
no smart card
• All residents – for children, LGBTQ+
• Uniqueness: 1 person = 1 Aadhaar
• Minimal data collected
• Secured & Privacy of data ensured
• Ubiquitous online authentication
• Enrol & Update from anywhere
• Vendor neutrality
Data Collected through Aadhaar includes Iris, Fingers and
Face Scan along with name, DOB, Gender, Address and
Mobile/Email of Applicant

4. Problem Statement
• To increase usability and easiness without compromising privacy of an individual.
• Come-Up with your innovative plan to Increase reach of ADHAAR & completely
cover India's Population especially in remote parts of country where technology access
is nil.
• Make ADHAAR’s financial model to be a self-sustaining & independent, so that it can
help to fund its own development projects, technologies enhancements, R&D, etc.
without being government dependent.
• Restructure current ADHAAR HR Policy to avoid fraudulent activities done due to
loopholes in recruitment process and presence of mischievous elements.

5. Our Major Recommendations (1/2)
Change outsourcing model from current Project outsourcing to Professional outsourcing.
Implementing complex relation algorithm using Blockchain technology to curb
fraudulence while ensuring privacy.
Workforce should be technically competent and there should be adequate data protection
policy including non-disclosure agreements with employees as well as third –parties.
Export Aadhaar technology to interested nations and consult them wherever the
opportunity is present.
Aadhaar enabled applications for payments like tax payments or e-governance services
such as biometric attendance, healthcare, ration, etc.

6. Our Major Recommendations (2/2)
Revenue through updates of existing and enrolment of new consumers.
Timely design alterations to protect cardholders against identity breaches.
Authentication and identity verification needs to be well demarcated and a careful use
case analysis is required.
A third party auditor under independent administrative control to protect against
potential insider leaks.
Several tools and technology like storing hash of biometric data, tamper proof coding
and hardware system and secure multi-party computations to provide reasonable
guarantees for security and privacy protection.
Tech driven chatbot/AI at mobile or web module for ease in availing Aadhaar linked
services like appointments, upgrades, etc.

7. Solution – Outsourcing model
Since the organization has gained experience and achieved scale it should consider
movement from project based outsourcing (where it is/was involved with multiple agencies for
enrolment and registration) to professional outsourcing (where it will be working along with only one
big organization)
• Benefits from this Organizational Shift will be driven through
• High Cost and Time Savings,
• Expertise,
• Quality,
• No need for tracking each and every individual, therefore less transactional costs.

8. Solution – Complex Relation Algorithm
• We propose to implement complex relation
algorithm using block chain technology.
• This will prove to be useful in curbing fraud
while taking care of privacy concerns.
• Such an analysis has proven effective in
identifying organized fraud activities by
modeling relationships between entities in
claims and new business.
• Large volumes of seemingly unrelated claims
can be checked, and then patterns and
problems identified. This technique might
show a high-activity account with links from
many accounts, or a low-activity account
with strong links to a master account. Example of networking analysis showing a suspicious
network

9. Solution – Human Resource Management
Considering the nature of job we need to ensure
that the workforce is not only competent but
reliable and honest as well.
• Ethics and Integrity should be given the
maximum weightage but a non-disclosure and
confidentiality agreement should be applicable
for all the hired employees.
• Employees should have sound knowledge of
their job and they should be experts in
technology.
• Hire personal consultants and analysts to
guide, manage and control the organizational
resources.
• Data Protection Policy with third-parties to
avoid data leakages.
• Employees should go through mandatory
training and certifications to ensure adherence
to quality aspects.
Current Organization structure is based on functional
hierarchy and is suitable to ensure control and
systematic and standardized working.

10. Solution – Marketing
• Persuade citizens to adopt Aadhaar (wherever it is voluntary) to avail services and
subsidies.
• Different coloured Aadhaar cards to serve different purposes and different levels of
security (which can be upgraded on demand by applicants).
• Consulting projects to different nations.
• Export Aadhaar technology to other nations as several countries have shown interest
in Aadhaar like system.
• Aadhaar Payments App to provide banking services hassle free, like instant application
and loan reimbursement.
• Aadhaar enabled Biometric attendance to ensure increased productivity, system
transparency and increased efficiency in government organizations.
• Connect lending to MSME through Aadhaar. Till now the focus was only on citizens,
but now the time is ripe to extend it to entities.
• Online loans (e-signature linked to the accounts)

11. Solution – Finance
• Revenue models include
• Updating existing Aadhaar card
details
• Enrollment of left out 15 crore
applicants or the newly eligible
(newborns) residents.
• Charging a nominal fee from CBDT
(Tax authority) or other government
organizations utilizing Aadhaar
platform for Aadhaar enabled services
like Tax payments or digital loan
services.
• Revenue through consulting or
leveraging advertisement revenue
opportunities on the Aadhaar
website.
• Cost includes, cost of chatbot
services and departments annual
budgetary expenses.
FY 2019-
20 (E)
FY 2020-
21 (E)
FY 2021-22
(E)
FY 2022-
23 (E)
Revenue from
Enrollment
Rs. 376.50
Cr
Rs 58.80
Cr
Rs. 59.56 Cr Rs. 60.32
Cr
Comm. from
Tax Depart
Rs 4 Cr Rs 4 Cr Rs 4 Cr Rs 4 Cr
Cost Incurred
by Hiring cyber
Professional
Rs 12 Cr Rs 12 Cr Rs 12 Cr Rs 12 Cr
Net Additional
Income
Rs 368.50
Cr
Rs 50.80
Cr
Rs 51.56 Cr Rs 52.32
Cr
Future Revenue Projections

12. Solution – Information Technology
• Our IT solution must provide for potential identity breaches of Aadhaar
card holders. A timely design alteration is needed to address the same.
• Authentication and identity verification need to be well demarcated and a
careful use case analysis is required to determine precisely what is
required for each application.
• Finally, we should also provide for potential insider leaks. A third party
auditor under independent administrative control can prove to be a
effective solution for the same.
• Several tools and technology can provide reasonable guarantees for
security and privacy protection. For e.g. Storing hash of biometric data,
tamper proof coding and hardware system and secure multi-party
computations.

13. Impact
We foresee an impactful self-sustainable business organization known for
its robust tools and technology which ensures
• Data protection and privacy of card holders,
• No surveillance of residents,
• Welfare services to each and everyone at the bottom of the pyramid,
• Touches individuals as well as micro business entities, and
• Exporting technology and consulting services to other nations.

14. References
• https://uidai.gov.in/
• https://main.trai.gov.in/sites/default/files/presentations_&_cv/Day-
3_25Aug2017/Session2_Digital%20world/Digital%20Identifiers_Ashok%20Kum
ar.pdf
• https://en.wikipedia.org/wiki/Aadhaar#2016%E2%80%93present
• https://factordaily.com/aadhaar-india-stack-export/
• https://www.firstpost.com/tech/news-analysis/how-aadhaar-compares-to-
other-biometric-national-identification-systems-around-the-world-
3700543.html
• https://www.bloombergquint.com/law-and-policy/the-future-of-aadhaar
• https://www.sas.com/content/dam/SAS/en_us/doc/whitepaper1/simplifying-
fraud-analytics-105573.pdf

15. Thank You