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.
India needs highly scalable solutions and ‘public goods’ should act as a key enabler for building such solutions. IndiaStack is one such emerging system, which entrepreneurs and startups should embrace.
Presence-less, paperless, cashless Service Delivery for a Billion people is a very big task. The large-scale systems needed to cost-effectively deliver such a solution would only be built with the combined participation of all parties, including government bodies and private companies or startups. The government systems will enable critical capabilities made available to entrepreneurs who could build diverse set of Apps useful in reaching the services to a wide mass of people through mobile phones.
Increasing eCommerce & Online Transactions in IndiaP J
How Reserve Bank of India (RBI) can facilitate eCommerce and Online Transactions in India through Credit Cards, Debit Cards & Internet Banking. Does India Require its own Electronic Payment Processing Network?
This Ppt includes interesting data on;
Unbanked population,usage of SMART PHONES,FB,Jhan Dhan Yojana Accounts,Cholamandalam plan to opt out for payment bank,Introduction of Unified Payment Interface that is overriding the concept of e-wallets in India
Demonetization effect on digital payments solutions in india by Balaji Prince Bala
The aim of the research is to identify the impact of demonetization in india on the digital payment platform.
This research helps to MBA students for their better understanding about the final year project format...i hope my research will help you.. thank you..
Presentation given by R S Sharma, Director General, UID Authority of India, Government of India on August 2nd, 2011 at eWorld Forum (www.eworldforum.net) in the session Unique Identification Number (UID)
India needs highly scalable solutions and ‘public goods’ should act as a key enabler for building such solutions. IndiaStack is one such emerging system, which entrepreneurs and startups should embrace.
Presence-less, paperless, cashless Service Delivery for a Billion people is a very big task. The large-scale systems needed to cost-effectively deliver such a solution would only be built with the combined participation of all parties, including government bodies and private companies or startups. The government systems will enable critical capabilities made available to entrepreneurs who could build diverse set of Apps useful in reaching the services to a wide mass of people through mobile phones.
Increasing eCommerce & Online Transactions in IndiaP J
How Reserve Bank of India (RBI) can facilitate eCommerce and Online Transactions in India through Credit Cards, Debit Cards & Internet Banking. Does India Require its own Electronic Payment Processing Network?
This Ppt includes interesting data on;
Unbanked population,usage of SMART PHONES,FB,Jhan Dhan Yojana Accounts,Cholamandalam plan to opt out for payment bank,Introduction of Unified Payment Interface that is overriding the concept of e-wallets in India
Demonetization effect on digital payments solutions in india by Balaji Prince Bala
The aim of the research is to identify the impact of demonetization in india on the digital payment platform.
This research helps to MBA students for their better understanding about the final year project format...i hope my research will help you.. thank you..
Presentation given by R S Sharma, Director General, UID Authority of India, Government of India on August 2nd, 2011 at eWorld Forum (www.eworldforum.net) in the session Unique Identification Number (UID)
613a1b0c7cdc6424dfb7sdasb13c_PPT - India Case Study 2 final.pptxakhil48267
India case study - A digital infrastructure known as the India Stack is widening access to financial services in an economy where retail transactions are heavily cash based.
IndiaStack is a set of APIs that allows governments, businesses, startups and developers to utilise an unique digital Infrastructure to solve India’s hard problems towards presence-less, paperless, and cashless service delivery.
The presentation involves about Fintech industry, the technologies involved, various UPI's, regulators of Fintech Industry in India and Payment Sytstem in India
Digital payment systems are the backbone of digital commerce. Indian government along with the corporate community is making a significant push to build infrastructure for digital payments along with encouraging the citizens towards a cashless economy.
India Payment Market, Size, Share, Growth, Key PlayersRenub Research
India Payment Market size is envisioned to attain US$ 8,137.3 Billion by 2028. The virtual fee panorama in India has passed through an enormous transformation, indicating the profound effect it will have on the populace. This shift signifies that a majority of Indians in 2022 belong to a technology that is tremendously talented or exposed to era. Tech-savvy generation has a greater reliance on superior, automated, quicker, and extra efficient technology and offerings. Consequently, there may be a rapid growth inside the demand for India payment marketplace within the coming years.
Over the past several years, India has embarked on a remarkable journey towards becoming a digitally enabled society. This digital transformation has not only reshaped the nation's socioeconomic landscape but also served as a global model for how technology can be harnessed to uplift and connect diverse and large populations.
At the heart of this transformation lies the concept of Digital Public Infrastructure (DPI), a strategic framework that has provided the rails to propel India onto the global stage as a digital powerhouse.
With the Indian internet economy projected to reach USD 1 trillion by 2030, DPIs are primed to continue playing a significant role in democratizing this growth and ensuring a digital future that is inclusive and expansive.
Apply For PMAY At CSC Centres Via The CSC Login Or The Digital Seva Portal.pdfyamunaNMH
The Ministry of Electronics & Information Technology in India created the Digital Seva government programme to provide digital facilities to residents in rural and remote areas. It is a component of the larger Digital India programme, which the Indian government unveiled in 2015.
Digital lending is quickly growing among the 'thin file' borrowers i.e. the borrowers with no or negligible credit history. These borrowers can be both consumers or businesses.
But, in recent months the digital lenders are struggling with liquidity crises due to the pandemic. As RBI extended loan moratorium to borrowers, the Digital Lenders are in a catch-22 situation. While their borrowers expect them to extend the moratorium, financial institutions they borrow from (Banks and large NBFCs) are either refusing to or delaying to extend the moratorium to the digital lenders. digital lenders Association of India (DLAI) has already approached the RBI to get the moratorium benefits.
It is quite expected that many digital lenders (especially ones with weaker balance sheets) will not survive not only because of the liquidity crisis but also exposure to less creditworthy borrowers who are often small businesses and less creditworthy individuals. The economic repercussions of the lockdown may leave many of the borrowers unable to repay as small businesses shut down and people lose employment.
Although, the lockdowns have caused rapid digital adoption which is beneficial for the industry in the long-term. This indicates that the industry is expected to go through a lot of consolidation as cash strapped players look to be acquired to get some exit.
Let us understand this industry.
Similar to Rural Inclusivity of Digital ID @Seamless Asia 2019 (20)
A process server is a authorized person for delivering legal documents, such as summons, complaints, subpoenas, and other court papers, to peoples involved in legal proceedings.
Many ways to support street children.pptxSERUDS INDIA
By raising awareness, providing support, advocating for change, and offering assistance to children in need, individuals can play a crucial role in improving the lives of street children and helping them realize their full potential
Donate Us
https://serudsindia.org/how-individuals-can-support-street-children-in-india/
#donatefororphan, #donateforhomelesschildren, #childeducation, #ngochildeducation, #donateforeducation, #donationforchildeducation, #sponsorforpoorchild, #sponsororphanage #sponsororphanchild, #donation, #education, #charity, #educationforchild, #seruds, #kurnool, #joyhome
ZGB - The Role of Generative AI in Government transformation.pdfSaeed Al Dhaheri
This keynote was presented during the the 7th edition of the UAE Hackathon 2024. It highlights the role of AI and Generative AI in addressing government transformation to achieve zero government bureaucracy
Canadian Immigration Tracker March 2024 - Key SlidesAndrew Griffith
Highlights
Permanent Residents decrease along with percentage of TR2PR decline to 52 percent of all Permanent Residents.
March asylum claim data not issued as of May 27 (unusually late). Irregular arrivals remain very small.
Study permit applications experiencing sharp decrease as a result of announced caps over 50 percent compared to February.
Citizenship numbers remain stable.
Slide 3 has the overall numbers and change.
Russian anarchist and anti-war movement in the third year of full-scale warAntti Rautiainen
Anarchist group ANA Regensburg hosted my online-presentation on 16th of May 2024, in which I discussed tactics of anti-war activism in Russia, and reasons why the anti-war movement has not been able to make an impact to change the course of events yet. Cases of anarchists repressed for anti-war activities are presented, as well as strategies of support for political prisoners, and modest successes in supporting their struggles.
Thumbnail picture is by MediaZona, you may read their report on anti-war arson attacks in Russia here: https://en.zona.media/article/2022/10/13/burn-map
Links:
Autonomous Action
http://Avtonom.org
Anarchist Black Cross Moscow
http://Avtonom.org/abc
Solidarity Zone
https://t.me/solidarity_zone
Memorial
https://memopzk.org/, https://t.me/pzk_memorial
OVD-Info
https://en.ovdinfo.org/antiwar-ovd-info-guide
RosUznik
https://rosuznik.org/
Uznik Online
http://uznikonline.tilda.ws/
Russian Reader
https://therussianreader.com/
ABC Irkutsk
https://abc38.noblogs.org/
Send mail to prisoners from abroad:
http://Prisonmail.online
YouTube: https://youtu.be/c5nSOdU48O8
Spotify: https://podcasters.spotify.com/pod/show/libertarianlifecoach/episodes/Russian-anarchist-and-anti-war-movement-in-the-third-year-of-full-scale-war-e2k8ai4
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
Presentation by Jared Jageler, David Adler, Noelia Duchovny, and Evan Herrnstadt, analysts in CBO’s Microeconomic Studies and Health Analysis Divisions, at the Association of Environmental and Resource Economists Summer Conference.
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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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