DNAINDIA website carried following report on 01 Dec 2016
:
"
Government wants Aadhar-enabled Payments to replace cards "
The report goes on to read :
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The Unique Identification Authority of
India has planned to increase biometric authentication
capacity through Aadhaar to 40 crore a day from 10 crore to encourage more use of the
platform for realising a cashless society.
The government is concurrently working on developing a common
mobile phone app that can be used by shopkeepers and merchants for receiving
Aadhaar-enabled payments bypassing credit and debit cards, pin and password.
Through this mobile application, the handset
will be used for authenticating biometrics of customers making Aadhaar
enabled payment.
Shri Ajay Bhushan ( CEO - UIDAI ) explained that these biometric
authentications include attendance marked by
employees
of government establishments.
{ This was suggested in my blog / email : From BAD toMAD : dt 01 June 2016 }
{ http://myblogepage.blogspot.in/2016/06/from-bad-to-mad.html }
The 12-digit number has already been issued
to 1.08 crore people and 99 per cent of adults have been covered.
People can link their Aadhaar with their bank accounts and use Aadhaar
Enabled Payment System (AEPS) for funds transfer, balance enquiry, cash deposits or
withdrawals and inter-banking transactions.
AEPS allows users to make payments to merchants or shopkeepers without
credit or debit cards using their Aadhaar number and biometric
authentication.
They just need to quote
Aadhaar and authenticate it through biometrics. The money is directly
transferred from the customer's bank account to the merchant's.
Subscribers of 118 public and private banks can use AEPS at
present.
NITI Aayog CEO Amitabh
Kant said the government is working on incentivising cashless
transactions and disincentivising cash transactions.
"We are asking mobile manufacturers to
see if all mobiles made in India should be in-built with iris or thumb
identification system to help Aadhaar-enabled transactions,"
Kant said.
Kant is part of the chief ministers
committee that will lay out a road map for implementation of digital payments
over the next one year. The first meeting is scheduled today.
IT Secretary Aruna Sundarajan said
the ministry has kept aside Rs 100 crore to incentivise enrolment of merchants
on to the digital platform to help push the drive.
"IT department is providing incentive
of Rs 100 for every merchant
enrolled through over two lakh common service centres across India. The
ministry will undertake a major outreach communication campaign starting from
Monday," she said.
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This is one more proof that Ministers / Secretaries of
NDA government , not only read every suggestion received from ordinary citizens
, but also implement the same , if found good - and double-quick
too !
PROOF
:
In my email to Ministers / Secretaries ( dt 27 Nov 2016
) , I suggested as follows :
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Dear Shri Amitabh Kant :
There is no doubt , you will encourage PRIVATE SECTOR players to
launch Mobile Wallet apps
But you have this opportunity to SIMPLIFY the use of Mobile
Wallet Apps - the use , which appears " daunting " to rural
folks
Here is how :
mobile app , linked to Jan Dhan A/c and to
Aadhar Biometric
verification of the user )
* Citizen can download M-Rup ( whether on
Smart phone or on feature phone ) ,from
Google App store
* M-Rup can be activated only after
user enters his Jan Dhan A/c number / his Aadhar
Card number and his Mobile number , in
the App
* At the time of " Activation ", let the M-Rup wallet get
filled up with Rs 100 ( as a freebie )
* This initial loading of M-Rup with Rs 100,
to happen, even if the user has no Jan Dhan a/c
* This initial loading will enable the users to " experiment "
transferring or receiving digital
money ( even between friends , none of whom have
Jan Dhan accounts !). Make it FUN !
I am sure , you will say :
" How does this make M-Rup any DIFFERENT
from any other Mobile Wallet app ?
Where is that
SIMLIFICATION of use ? "
Dear Shri Amitabh :
Like you ( and of course , Shri Modiji ) , I have a great faith
in the ability of Indian software engineers ( local or NRI ) to come up with
revolutionary solutions / innovations !
Just ask Sundar Pichai , Sam Pitroda , Satya Nadela , Sachin Katti , Pranav Mistry , Sanjay Sarma , Nandan Nilekani etc , if they
will help implement the following :
* Buyer buys something worth Rs 100 from a
shopkeeper
* Buyer and the Seller , look into their own
mobile-cameras ( of smart phones
loaded with M-Rup ) for biometric Aadhar
identification / linked to Jan Dhan a/c
* Seller speaks in his mobile : " Muze Sau Rupiah
dedo "
* Buyer speaks in his mobile : " Inko Sau Rupiah dedo "
* Message flashes in the mobile screen of Seller : " Tumhare account-me
Sau Rupiah
Jamah ho gaya / GST bhi kaat ke Sarkar-ko bhej diya
"
* Message flashes in the mobile screen of Buyer : " Tumhare account-se ,
Sau Rupiah inko
Bhej Diya . Abhi balance me teen sau sath rupiah bacha
hai "
I request all concerned , not to insult our engineers /
scientists / geeks , by doubting if such SIMPLIFICATION ( based on day
to day spoken language ) is possible
Doubting Thomas may want to look up ... PILOT
{ http://www.waverlylabs.com/ }
This is the only way rural India can bypass the Jurassic Age of
Plastic Cards to usher into a CASH-LESS society !
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Dear Shri
Amitabh Kant :
While congratulating you - and your entire team of dedicated
professionals - I request you , not to stop with launch of AEPS
mobile app
Please, do come up with a version which enables millions of not-so-savvy
Indians to just give a " Voice based
Instructions " to AEPS app , for all of their Digital Payment
transactions, in language of their choice
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02 Dec 2016
www.hemenparekh.in / blogs
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