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Financial Literacy Curriculum
- eWallets -
Guidance note for
Trainers / Volunteers
Objective
• To facilitate financial inclusion
through provision of two
essentials i.e. literacy and
easy access of money i...
Tools to Cashless Transactions
Prerequisites for Beneficiaries
• The beneficiary should be literate enough to solve basic mathematics
• The beneficiary s...
Prerequisites for Volunteers and training
• Volunteers need to carry their own smartphones when visiting
beneficiaries
• V...
Parameters of Success
• The beneficiary needs to feel in total control and completely
comfortable of his/her money while u...
The Curriculum Modules
• Debit cards
• eWallets
• UPI
• USSD
• Aadhar Enabled Payment System (AEPS)
About the Curriculum
The Curriculum gives an in-detail, step by step process to make people
comfortable with all of the ca...
eWallets
Most used
mobile
wallets
Use them anywhere!
How to register to an eWallet (eg: Paytm)
How to Register to an eWallet Eg: Paytm
• Step 1 – Go to playstore – For
Android (www.play.google.com),
search for Paytm a...
How to Register to an eWallet Eg: Paytm
• Step 2 – Install and launch the
Paytm app, choose your
preferred language and pr...
How to Register to an eWallet Eg: Paytm
• Step 3 – Register as a new user
• You can register as a new user
with your mobil...
How to Register to an eWallet Eg: Paytm
• Step 4 – The Next screen will ask
you for an OTP which will be
messaged to your ...
How to put money in eWallet Eg: Paytm
• Step 1 – To use Paytm features
you will need to add some
PayTm money. The best way...
How to put money in eWallet Eg: Paytm
• Step 2 – Key in the amount of
money you want in the paytm
wallet.
This is just lik...
How to put money in eWallet Eg: Paytm
• Step 3 – The app takes you to
‘Complete your Payment’ page.
Here you complete your...
How to put money in eWallet Eg: Paytm
• Step 4 – The app then asks for your Debit card details:
• Key in your debit card n...
How to put money in eWallet Eg: Paytm
• Step 5 – The app takes you the
payment gateway. Make sure
that you don’t close the...
How to put money in eWallet Eg: Paytm
• Step 5 – Within a few seconds,
an OTP message comes to your
mobile phone. Never sh...
How to put money in eWallet Eg: Paytm
• Step 5 – You are taken back to your wallet with a sign saying
‘SUCCESS’ meaning th...
How to use an eWallet Eg: Paytm
• Step 1 - Tap on any one of the
option – Say recharge your
prepaid mobile
How to use an eWallet Eg: Paytm
• Step 2 - Enter the mobile
number you want recharged.
• The paytm app automatically
recog...
How to use an eWallet Eg: Paytm
• Step 3 – If you have money in
your paytm wallet, the recharge
amount is deducted from th...
How to pay money using an eWallet to a
Kirana / Retail shop Eg: Paytm
• Step 1 – open the app and login
to your account
• ...
How to pay money using an eWallet to a
Kirana / Retail shop Eg: Paytm
• Step 3 – Click on ‘pay’ and scan
the code that the...
How to pay money using an eWallet to a
Kirana / Retail shop Eg: Paytm
• Step 4 – The shop keeper receives the money and th...
How to transfer money back to
your bank from an eWallet Eg: Paytm
• Step 1 – open the app and login
to your account
• Step...
How to transfer money back to your bank
from an eWallet Eg: Paytm
• Step 3 – A screen opens
showing you your current
balan...
How to transfer money back to your bank
from an eWallet Eg: Paytm
• Step 5 – Enter the amount you
need transferred back to...
How to transfer money back to your bank
from an eWallet Eg: Paytm
• Step 6 – After filling all these details, press send.
...
FAQs
• Can I go for a different eWallet than Paytm?
You are free to use any eWallet you like and most of the functionaliti...
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Financial literacy curriculum e wallets

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Financial literacy curriculum e wallets

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Financial literacy curriculum e wallets

  1. 1. Financial Literacy Curriculum - eWallets -
  2. 2. Guidance note for Trainers / Volunteers
  3. 3. Objective • To facilitate financial inclusion through provision of two essentials i.e. literacy and easy access of money in a cashless Environment. • To sensitize the beneficiary on the various tools available to him/her to make his/her transactions completely cashless.
  4. 4. Tools to Cashless Transactions
  5. 5. Prerequisites for Beneficiaries • The beneficiary should be literate enough to solve basic mathematics • The beneficiary should ideally have at least a basic phone with basic internet connectivity and knowledge of how to operate it • The beneficiary should have a bank account in at least one of the recognized banks Good to have: • A debit card from the bank
  6. 6. Prerequisites for Volunteers and training • Volunteers need to carry their own smartphones when visiting beneficiaries • Volunteers need to be completely aware and comfortable with at least one option from among the tools mentioned earlier • Volunteers need to train only on those tools in which they think they are most comfortable • Volunteers must remain with their beneficiaries through open transactions, in order to ensure they are completed properly
  7. 7. Parameters of Success • The beneficiary needs to feel in total control and completely comfortable of his/her money while using at least one of the cashless modes of transactions • The process to be made completely sustainable for beneficiary and his /her family to start using the cashless systems
  8. 8. The Curriculum Modules • Debit cards • eWallets • UPI • USSD • Aadhar Enabled Payment System (AEPS)
  9. 9. About the Curriculum The Curriculum gives an in-detail, step by step process to make people comfortable with all of the cashless transaction tools • The curriculum will start with a basic video to sensitize both volunteers and beneficiaries on how easy the transactions can be introducing everyone to the cashless tools • This will be followed by an interactive slide based session on where can the tool be used and what problems does it solve • This will be followed by a step by step process for registration and usage of the tool • Last section will be about the FAQs that may come up for each tool
  10. 10. eWallets
  11. 11. Most used mobile wallets
  12. 12. Use them anywhere!
  13. 13. How to register to an eWallet (eg: Paytm)
  14. 14. How to Register to an eWallet Eg: Paytm • Step 1 – Go to playstore – For Android (www.play.google.com), search for Paytm and download the first app you find. Its free.
  15. 15. How to Register to an eWallet Eg: Paytm • Step 2 – Install and launch the Paytm app, choose your preferred language and press continue • Step 2.1 – Allow various accesses to your phone required by Paytm How to Register to an eWallet Eg: Paytm
  16. 16. How to Register to an eWallet Eg: Paytm • Step 3 – Register as a new user • You can register as a new user with your mobile number and email id, create a password and press the ‘Sign up’ button. How to Register to an eWallet Eg: Paytm
  17. 17. How to Register to an eWallet Eg: Paytm • Step 4 – The Next screen will ask you for an OTP which will be messaged to your phone number within seconds. • Key in the OTP and you will have registered How to Register to an eWallet Eg: Paytm
  18. 18. How to put money in eWallet Eg: Paytm • Step 1 – To use Paytm features you will need to add some PayTm money. The best way to do that is through your Debit card. • Click on ‘Add Money’ icon on the home page.
  19. 19. How to put money in eWallet Eg: Paytm • Step 2 – Key in the amount of money you want in the paytm wallet. This is just like going to a bank atm, withdrawing money and keeping it in your wallet. Just that here, your phone, is your bank. Your money is still safe with your in your account. How to put money in eWallet Eg: Paytm
  20. 20. How to put money in eWallet Eg: Paytm • Step 3 – The app takes you to ‘Complete your Payment’ page. Here you complete your payment by registering your debit card with paytm. • Choose the option ‘Debit card’ How to put money in eWallet Eg: Paytm
  21. 21. How to put money in eWallet Eg: Paytm • Step 4 – The app then asks for your Debit card details: • Key in your debit card number • Expiry Date of the debit card • Name on the card • CVV number (three digits below the black stip on the back side of your debit card) • Then press ‘pay now’ button How to put money in eWallet Eg: Paytm
  22. 22. How to put money in eWallet Eg: Paytm • Step 5 – The app takes you the payment gateway. Make sure that you don’t close the app on this page, otherwise the transaction will not happen. Now you choose for OTP option How to put money in eWallet Eg: Paytm
  23. 23. How to put money in eWallet Eg: Paytm • Step 5 – Within a few seconds, an OTP message comes to your mobile phone. Never share this OTP with anyone. Key in this OTP number on the site and press ‘Submit’ or ‘Pay’ button How to put money in eWallet Eg: Paytm
  24. 24. How to put money in eWallet Eg: Paytm • Step 5 – You are taken back to your wallet with a sign saying ‘SUCCESS’ meaning that now your paytm wallet has the desired money in it. • You will also get a sms from your bank that the same amount of money has been deducted from your bank account. How to put money in eWallet Eg: Paytm
  25. 25. How to use an eWallet Eg: Paytm • Step 1 - Tap on any one of the option – Say recharge your prepaid mobile
  26. 26. How to use an eWallet Eg: Paytm • Step 2 - Enter the mobile number you want recharged. • The paytm app automatically recognizes your service provider – idea, airtel, Vodafone, Jio etc. • Enter the amount for recharge • You can also select any of the offers the app provides from below or fast forward it to payment screen How to use an eWallet Eg: Paytm
  27. 27. How to use an eWallet Eg: Paytm • Step 3 – If you have money in your paytm wallet, the recharge amount is deducted from the same and you receive a message of success from your service provider How to use an eWallet Eg: Paytm
  28. 28. How to pay money using an eWallet to a Kirana / Retail shop Eg: Paytm • Step 1 – open the app and login to your account • Step 2 – Ask the shopkeeper for the bill of your purchases and the final amount.
  29. 29. How to pay money using an eWallet to a Kirana / Retail shop Eg: Paytm • Step 3 – Click on ‘pay’ and scan the code that the shopkeeper will show you or ask him for his Paytm registered mobile number and enter the mobile number directly and press send. How to pay money using an eWallet to a Kirana / Retail shop Eg: Paytm
  30. 30. How to pay money using an eWallet to a Kirana / Retail shop Eg: Paytm • Step 4 – The shop keeper receives the money and the same gets deducted from your paytm wallet. How to pay money using an eWallet to a Kirana / Retail shop Eg: Paytm
  31. 31. How to transfer money back to your bank from an eWallet Eg: Paytm • Step 1 – open the app and login to your account • Step 2 – Tap on Passbook
  32. 32. How to transfer money back to your bank from an eWallet Eg: Paytm • Step 3 – A screen opens showing you your current balance in the wallet app. • Tap on Send money to bank • Step 4 – Click on Transfer How to transfer money back to your bank from an eWallet Eg: Paytm
  33. 33. How to transfer money back to your bank from an eWallet Eg: Paytm • Step 5 – Enter the amount you need transferred back to the bank • Enter bank account specific details like: • Account Holder’s Name • Account Number • IFSC Code How to transfer money back to your bank from an eWallet Eg: Paytm
  34. 34. How to transfer money back to your bank from an eWallet Eg: Paytm • Step 6 – After filling all these details, press send. • An OTP will be sent to you. Key in the OTP and the money will get transferred to your bank account • You will receive an sms in some time that the money has been credited to your bank account How to transfer money back to your bank from an eWallet Eg: Paytm
  35. 35. FAQs • Can I go for a different eWallet than Paytm? You are free to use any eWallet you like and most of the functionalities are the same • Can I transfer money from one eWallet to another? You can transfer the money to your bank account and then transfer it to another eWallet but currently there is no way to directly transfer it from one eWallet to another • If I transfer money back to my bank, is there a fees attached to it? If you want to transfer the money back to the same account it came from, then no fees is charged. Although, if you have received it from someone else, and then transfer it to your account, a 2% fees is charged. Eg: if you receive Rs. 100 from your friend and want to now transfer them to your bank, only Rs. 98 will be sent to your bank and Rs. 2 will be deducted as service charges. • Is there a limit to transactions on eWallets? Yes, every wallet will have a per month usage limit. For Paytm, it is Rs. 20,000 • My daughter works in Dubai, can I ask her to send money from there through this? If she has an Indian bank account, she can link that account with her ewallet and send it to you. But if you want to send money to someone abroad, this payment system will not be useful.

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