The document provides an overview of the Aadhaar project in India, highlighting its role as a unique identification system aimed at improving service delivery and inclusivity for residents. It outlines current and future opportunities associated with Aadhaar, including its application in banking, attendance verification, loyalty programs, and health records, emphasizing its potential for enhancing efficiency and accessibility. Additionally, it discusses the design choices and features of Aadhaar, such as biometric authentication and a lifelong identity system.

1. Aadhaar Overview &
Emerging Opportunities
1

2. Contents
1. Project Overview
2. Services for External Organizations
3. Opportunities – Current & Future
2

3. PROJECT OVERVIEW
3

4. Context of Aadhaar in India
• Need for a robust, reusable ID, especially to those
who do not have any ID proof
• Clean up existing databases through uniqueness
• Reduce cost of delivery of services
4

5. ID Projects have usually been created for
security / immigration objectives. However,
Aadhaar is a developmental initiative.
Aadhaar – The Foundation
5

6. RSBY
insurance
BankA/C
Issue rations
NREGA jobs
Verifying ID is a common challenge
6
NREGA jobs
 ID Document == ID
 Multiple service providers
same resident
 Establishing ID – Poor Man’s
Problem
 Birth Record
 Address Proof
 Money to beat the
system
 Poverty Premium
X
X
X
X
X

7. RSBY
insurance
Cookinggas
ID is the only focus of Aadhaar
7
Issue rations
NREGA jobs
 Aadhaar is just an instrument
 Guarantee to identity
 No guarantee to rights
 No guarantee to entitlements

8. Features of Aadhaar
Only Numbers – No Cards
Random Numbers – No Intelligence
Standard Attributes – No Profiling
All Residents – Including Children
No Guarantees to Rights, Citizenship, Entitlements, etc
Uniqueness – Ensured through biometric attributes
De-novo creation of Resident Database
Ubiquitous Online Authentication – anytime anywhere
8

9. Name
Address
Gender
Date of birth
1 person1 number
4 demographics* + 3 biometrics = 1 unique Aadhaar number
Photo
Both
iris
10
finger-
prints
9
* The resident’ mobile number and Email ID is optional information

10. Aadhaar
Letter
10 10

11. Over-arching Goals & Design Choices
 Inclusion
 Scalability
 Cost
 Speed
 Open Source
 Platform
 Standards
 Inter-operable
11

12. Aadhaar is an electronic Identity
 Unique
 Online
 Authenticable
 Portable
 Pan-India
 Designed as a service delivery platform
12

13. Efforts towards Inclusion
1. Transgender is a recognized Gender
2. Aadhaar for children, biometric collected after age 5
3. Date of Birth can be Approximate, Declared or Verified
4. Special provision to accommodate a person with biometric exceptions
5. Facility for “Introducer” based enrolment
6. Facility for “Head of Family” to introduce their family
13 13

14. Aadhaar - a life long Identity system
 One number for a person, for life
 Number once issued, will not be re-used
 Facility to update both demographic &
biometric information
 Via web portal, post, permanent centres
14 14

15. Aadhaar Services
Authentication / Verification
 1:1 matching of resident’s current
data with that existing in UIDAI
database
 Demographic Authentication
 Name, Address, Gender, DoB
 Biometric Authentication
 Finger / Iris
 Electronic Authentication
 One-Time Password (OTP)
electronic Know Your Customer (eKYC)
 Online facility to transfer resident’s
information from UIDAI to an
external organization, with
resident’s explicit consent for such
sharing
 eKYC sharing to include:
 Name
 Address
 Gender
 DoB
 Photo
 Mobile and email
15

16. NAME, GENDER, DoB . . .
YES
or
NO
Aadhaar Authentication at a Glance
and/or
and/or
Biometric
Demogrpahic
OTP
Electronic
16 16

17. 1111 2222 3333
eKYC Service
Resident’s data flows
directly to the
organization servers
with audit trail
17
Aadhaar eKYC at a Glance
Resident with
Aadhaar No.
Partner Organizations with eKYC
Authentication Device

18. OPPORTUNITIES - CURRENT
18

19. Enabling Service Delivery
Benefits for Government and Residents
Improves
efficiency of public
expenditure Easy accessibility of
services by residents
19 19

20. Aadhaar Platform for Banking
• Open bank accounts using Aadhaar
• Connect existing bank accounts
Access
Aadhaar-enabled Bank
Account (AEBA)
• Transfer funds to Aadhaar-enabled accounts
• Simplifies disbursal of funds – uses only one
account for all disbursals
Address
Aadhaar Payments Bridge
(APB)
• Withdrawal and deposit
• Check balance, peer-to-peer transfer
• Inter-operable, portable, anytime, anywhere
Transactions
Aadhaar-enabled Payment
System (AEPS)
20

21. Housing
schemes
8 IAY
Streamline
delivery of food
subsidy
7
Aided by ASHA
worker
2
School
payments
3
Merit
Scholarship
Schemes
4
Life and health
Insurance
5
Wages / Salary
6
Pension
payments
9
Pregnancy
Care
1
AADHAAR-
enabled bank
account
Aadhaar in Financial Inclusion
21

22. OPPORTUNITIES - FUTURE
22

23. Across a Conglomerate Corporate Group
23
Attendance / Presence Verification
Green/brown field projects
deploy a large workforce of
temporary manpower across
sub-contractors
Impersonation of temporary
workforce across sub-
contractors is a common
challenge
Deploying Aadhaar
authentication attendance
system can remove challenges
of impersonation
Common Loyalty Program
Group’s having several
companies involved in retail
sales across the country
A common customer loyalty
program across the group can
be created by integrating
customers’ Aadhaar number as
a common identifier
A common loyalty program
across the group can provide
invaluable opportunities on
consumer needs, demands and
behaviour

24. Innovation Opportunities
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Biometric Lock System
 Biometric locks & door handles are being
manufactured
 The existing system requires creating the
original database against which bio-auth
can be done, making it expensive,
difficult and inefficient for mass use
 Bio-locks, integrating the Aadhaar Auth
systems, can open the market for such
products in hotels, common high-end
households., and areas where restricted
access is required
Aadhaar-Verified Surveys
 Existing online surveys/polls are marred
by their inability to know and control
the participating audience
 Owing to the above limitation, online
surveys/polls are done largely on
popular topics that affect a larger
geographic area
 Integrating Aadhaar’s eKYC service in an
online poll, can make it possible to
restrict the participating audience
(based on their geographic location,
gender and age group)
 This increases the relevance of
survey findings
 Opens opportunity for conducting
polls on more specific topics for
specific target audience

25. Software Opportunities
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Residents’ Health Record Register
Ability to uniquely identify a resident with his Aadhaar number opens
opportunities to create a national infrastructure (database) of residents’
health, education & skills
While it is likely that the ownership of such registries may lie with the
central government, it will create opportunity for large software
companies to build & maintain these registries
Smaller opportunities to build and deploy systems for collecting &
sharing information from various touch points (Eg. schools, hospitals) will
also be created
 Access to anonymised data from these registries will create
opportunities for big data consulting, research, disease management, etc
Residents’ Skill & Education Register

26. Thank You
26