Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do.

There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Thursday, 1 December 2016

Do Not Stop Here !

DNAINDIA website carried following report on 01 Dec 2016 :

"  Government wants Aadhar-enabled Payments to replace cards "

The report goes on to read :


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 to MAD : 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.


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 !


In my email to Ministers / Secretaries ( dt 27 Nov 2016 ) , I suggested as follows :


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 !


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


02  Dec  2016

www.hemenparekh.in / blogs