uid

When I opposed Aadhaar in 2010 , I was called a BJP stooge. In 2016 I am still opposing Aadhaar for the same reasons and I am told I am a Congress die hard. No one wants to see why I oppose Aadhaar as it is too difficult. Plus Aadhaar is FREE so why not get one ? Ram Krishnaswamy

First they ignore you, then they laugh at you, then they fight you, then you win. -Mahatma Gandhi

In matters of conscience, the law of the majority has no place. Mahatma Gandhi

“The invasion of privacy is of no consequence because privacy is not a fundamental right and has no meaning under Article 21. The right to privacy is not a guaranteed under the constitution, because privacy is not a fundamental right.” Article 21 of the Indian constitution refers to the right to life and liberty -Attorney General Mukul Rohatgi

“There is merit in the complaints. You are unwittingly allowing snooping, harassment and commercial exploitation. The information about an individual obtained by the UIDAI while issuing an Aadhaar card shall not be used for any other purpose, save as above, except as may be directed by a court for the purpose of criminal investigation.” -A three judge bench headed by Justice J Chelameswar said in an interim order.

Legal scholar Usha Ramanathan describes UID as an inverse of sunshine laws like the Right to Information. While the RTI makes the state transparent to the citizen, the UID does the inverse: it makes the citizen transparent to the state, she says.

Good idea gone bad
I have written earlier that UID/Aadhaar was a poorly designed, unreliable and expensive solution to the really good idea of providing national identification for over a billion Indians. My petition contends that UID in its current form violates the right to privacy of a citizen, guaranteed under Article 21 of the Constitution. This is because sensitive biometric and demographic information of citizens are with enrolment agencies, registrars and sub-registrars who have no legal liability for any misuse of this data. This petition has opened up the larger discussion on privacy rights for Indians. The current Article 21 interpretation by the Supreme Court was done decades ago, before the advent of internet and today’s technology and all the new privacy challenges that have arisen as a consequence.
Rajeev Chandrasekhar, MP Rajya Sabha

“What is Aadhaar? There is enormous confusion. That Aadhaar will identify people who are entitled for subsidy. No. Aadhaar doesn’t determine who is eligible and who isn’t,” Jairam Ramesh

But Aadhaar has been mythologised during the previous government by its creators into some technology super force that will transform governance in a miraculous manner. I even read an article recently that compared Aadhaar to some revolution and quoted a 1930s historian, Will Durant. Rajeev Chandrasekhar, Rajya Sabha MP

“I know you will say that it is not mandatory. But, it is compulsorily mandatorily voluntary,” Jairam Ramesh, Rajya Saba April 2017


Special

Here is what the Parliament Standing Committee on Finance, which examined the draft N I A Bill said.

1. There is no feasibility study of the project]

2. The project was approved in haste

3. The system has far-reaching consequences for national security

4. The project is directionless with no clarity of purpose

5. It is built on unreliable and untested technology

6. The exercise becomes futile in case the project does not continue beyond the present number of 200 million enrolments

7. There is lack of coordination and difference of views between various departments and ministries of government on the project

Quotes

What was said before the elections:

NPR & UID aiding Aliens – Narendra Modi

"I don't agree to Nandan Nilekeni and his madcap (UID) scheme which he is trying to promote," Senior BJP Leader Yashwant Sinha, Sept 2012

"All we have to show for the hundreds of thousands of crore spent on Aadhar is a Congress ticket for Nilekani" Yashwant Sinha.(27/02/2014)

TV Mohandas Pai, former chief financial officer and head of human resources, tweeted: "selling his soul for power; made his money in the company wedded to meritocracy." Money Life Article

Nilekani’s reporting structure is unprecedented in history; he reports directly to the Prime Minister, thus bypassing all checks and balances in government - Home Minister Chidambaram

To refer to Aadhaar as an anti corruption tool despite overwhelming evidence to the contrary is mystifying. That it is now officially a Rs.50,000 Crores solution searching for an explanation is also without any doubt. -- Statement by Rajeev Chandrasekhar, MP & Member, Standing Committee on Finance

Finance minister P Chidambaram’s statement, in an exit interview to this newspaper, that Aadhaar needs to be re-thought completely is probably the last nail in its coffin. :-) Financial Express

The Rural Development Ministry headed by Jairam Ramesh created a road Block and refused to make Aadhaar mandatory for making wage payment to people enrolled under the world’s largest social security scheme NRGA unless all residents are covered.


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Monday, February 15, 2016

9368 - Digital 'consent architecture' could make getting loans easier: Nilekani by Harichandan Arakali - Forbes India

UPFRONT/SPECIAL | Feb 13, 2016 | 2306 views

Digital 'consent architecture' could make getting loans easier: Nilekani

by Harichandan Arakali

This would allow lenders to legally access, in digital form, the financial transactions history of potential borrowers



Image: Jagadeesh Nv / Reuters


Nandan Nilekani is the former chairman of the Unique ID Authority of India


A perennial problem for small businesses and startups in India is access to capital, especially for ongoing business operations, even when payments from buyers are imminent.

This problem could be ameliorated to a certain extent by a digital "consent architecture" that might soon be in place in the country, which would allow lenders to legally access, in digital form, the financial transactions history of potential borrowers, Nandan Nilekani, former chairman of the Unique ID Authority of India, told reporters in Bangalore on Saturday.

Nilekani was speaking at a press conference as part of a workshop on India's Unique Payments Interface organised by the National Payments Corporation of India, or NPCI, which is inviting software developers to build mobile apps and online programmes that would tap into the interface.

"As more and more payments become digital, then it creates a digital footprint of your (financial) activity and then you can give consent to say that a bank can use my digital footprint to give me a loan," Nilekani said.

While UPI, which is part of the financial backbone that NPCI has built to facilitate retail money transactions, is not directly addressing this task, India will soon have a consent architecture, which can tap into this growing digital footprint of financial transactions.

"I, as a user, can authorise my digital footprint to go to a lender, who can use it to check my activities and based on that give me a loan," he said. While it's not directly part of UPI, "it's a layer on top of UPI, which we hope will be developed in the coming months."

NPCI has partnered with the Indian Software Product Round Table to organise a hackathon to get developers interested in building apps and programmes to use the Unique Payments Interface. Among those who participated on Saturday, when the month-long hackathon was opened for registration, were developers and product managers from the biggest e-commerce companies doing business in India, including Amazon, Flipkart, Snapdeal and others, A.P. Hota, chief executive of NPCI said.

NPCI is providing what are called application programme interfaces or APIs to developers, which would allow them to build apps that can talk to the backbone network operated by NPCI. This would in turn allow consumers and merchants alike to make and get payments using smartphones and by providing either the Aadhaar unique ID number or a virtual payments address that can be generated on a one-time basis from the bank of one's choice.

NPCI is also rolling out the facility of receiving money on its immediate payment system (IMPS) platform, using Aadhaar or the virtual payments address, while so far IMPS has only been used in a "push" form to send money. So, be it school fees or vendor payments, any user with a virtual payment address can send it to another user and ask for money to be sent to that ID.

This will start rolling out from April 8, and 29 banks have partnered NPCI in the first phase, Hota said. NPCI expects to partner more banks, and eventually independent mobile wallet providers as well. NPCI and iSPIRT will also identify some of the best apps and solutions developed in the hackathon by then, Sharad Sharma, one of the founders of the sofwtare products round table said at the press conference. iSPIRT, which is conducting the online hackathon, expects about 1,000 contestants, he said.

Read more: http://forbesindia.com/article/special/digital-consent-architecture-could-make-getting-loans-easier-nilekani/42307/1#ixzz40C6XsUFz