Yesterday , PM Shri Modiji
launched a Mobile Wallet App , called BHIM
He went on to say :
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The country already had more than 100 crore
Aadhaar holders with most of the adult population covered.
There was a time, he said, when illiterate
people were called "angootha chap". But now, the thump impression
would make way for a person's bank, identity and even business, he said.
"After two weeks, when the new
(Aadhaar-based) system will be launched, BHIM will be the BIGGEST WONDER OF THE WORLD,"
Modi said.
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BUT HERE IS WHAT NEWS18 REPORTED :
However, in our tests we found that
while money sent to UPI addresses with a mobile number worked seamlessly, all
attempts to transact with a custom UPI address couldn't get through. Also the
transactions don't happen as fast as they claim.
There have been reports of app freezes and "device binding
failed" errors. Some users say their back button don't work.
Even though for an app that has just
been launched, some of the processes - such as verifying an user or making a
payment - took us much longer than expected. Also the lack of on-screen
confirmations confuses. All messaging happens as notifications, which adds
additional steps and also increases the chances of a users failing to notice
them.
This are early days for the app and MORE FEATURES AND IMPROVEMENTS ARE EXPECTED SOON.
The USP of the app is its simplicity and it might make cashless payments
more appealing for more people if the little creases are ironed out soon.
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Dear Shri Narendrabhai :
No doubt , this is a great
initiative which will help citizens to migrate to DIGITAL PAYMENTS
But , if BHIM has to obsolete Credit- Debit cards / Card Swiping Machines / Point
of Sales ( PoS ) machines / ATMs etc , and
truly become THE BIGGEST
WONDER OF THE WORLD, then it would have to be SPEECH ENABLED , as
suggested in my
following email :
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Friday, 9 December 2016
Google
Can Read Your Mind ?
May be not yet , but it can most certainly read every blog and
every email !
And even take " ACTIONS " , if it contains any useful
suggestion
In my blog ( sent as email to NDA Ministers / Secretaries etc,
on 02 Dec 2016 ) , I wrote
:
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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 :
* Based on UPI / Indiastack ,
come out ( in next 6 days ? ) , with M-Rup ( RuPay
based
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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Question : Did Sundar Pichai ( Google ) read this
email ?
Answer :
Absolutely ! In case of doubt , read following news appearing in
today's ( 09 Dec 2016 ) , Hindustan Times :
GOOGLE TAKES ' ACTIONS ' TO ITS AI ; TO PARTNER INDIA's GUPSHUP
Internet giant Google on Thursday said it was bringing Google
Actions to its powerful artificial intelligence platform, Google
Assistant
Called Actions on Google, the development interface will allow companies to integrate direct
actions or directly embed the Google Assistant in a range of devices....
" Coming soon : Build Conversation Actions using API.AI and
other tools ", the web site said
" The bot landscape has grown exponentially in the past
year , enabling a world where intelligent , conversational interfaces will be
all around us : at work, at home, on everyone of our devices and appliances
" , Beerud Sheth , CEO ,Gupshup said
In view of the ongoing shift to CASHLESS TRANSACTIONS , banks and NBFCs can take advantage
of the move to build INTERACTIVE VOICE-DRIVEN apps
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Besides Google , I hope members of the Chief Ministers'
Committee appointed to advise the government on DIGITAL PAYMENTS , will read
this email - then call up Beerud Sheth on,
+1-855-982-2997
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31 Dec
2016
www.hemenparekh.in / blogs
