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.

August 24, 2017: The nine-judge Constitution Bench rules that right to privacy is “intrinsic to life and liberty” and is inherently protected under the various fundamental freedoms enshrined under Part III of the Indian Constitution

"Never doubt that a small group of thoughtful, committed citizens can change the World; indeed it's the only thing that ever has"

“Arguing that you don’t care about the right to privacy because you have nothing to hide is no different than saying you don’t care about free speech because you have nothing to say.” - Edward Snowden

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.


Thursday, April 14, 2016

9828 - Your mobile phone to double up as debit card - Business Standard


As UPI gets popular, cash transactions will come down as most small payments will be routed through this
BS Reporter  |  Mumbai 

April 12, 2016 Last Updated at 00:37 IST

The National Payments Corporation of India (NPCI)'s unified payments interface can usher in a digital payments revolution in the country. Its appeal lies in the simplicity and interoperability. The method of sending and receiving money is as easy as sending a text message from a phone and money can be used across payment channels, devices and institutions.

As this service can also be used for small everyday transactions, it has the potential to bring down cash transactions in the economy if it becomes popular. India is still a cash-intensive economy with cash-to-GDP ratio of 12%, according to JM Financial's report on UPI. "As per various estimates, 95% of consumer transactions by volumes and 65% by value in India are carried out in cash," the report states.

To start using the UPI, individuals need to go through the initial sign-up process after which doing transactions gets easy. At present, a person can use the UPI on mobile only. Of the 29 banks that have currently adopted UPI, some have integrated the payment gateway to their existing mobile app and some have launched completely new app for this.

The individual will need to download the UPI app, if the bank has a separate one. Then, register and set MPIN and a virtual ID. Your bank account details will be mapped to the virtual ID. When someone wants to send you money, all they need is your virtual ID - there won't be any need for bank account number or IFSC code.

Add your bank details to the UPI and you are good to send and receive money. Suppose you are shopping at a website and reach the payments page. All you will need to enter there is your virtual ID.

Immediately, you will receive a notification on the mobile app asking to authorise the transaction. After you enter the PIN, the payment will go through. Similarly, if a person wants money from you, he will use the UPI and send a request asking you to transfers the specific amount. Once you authorise, the money will be transferred.

You can transfer money using UPI even if the receiver doesn't have a virtual ID. In this case, you will need to add the receiver as a beneficiary using the bank account and IFSC code, just like it happens in case of National Electronic Funds Transfer (NEFT) and Immediate Payment Service (IMPS). If the receiver's Aadhaar is linked to the bank account, you can also transfer money using the Aadhaar number.

NPCI has launched the UPI as a pilot project with 29 banks. All major banks, except State Bank of India, will offer it. For now, it will only work on mobile through the netbanking apps. But, all kinds of account holders can use it - be it regular savings bank accounts or Jan Dhan accounts. The limit for each transaction via UPI is ~1 lakh. However, if your bank has set any lower limit on mobile transactions, the bank's limit will apply.

The transactions done using the UPI are as secure as any other banking transaction like NEFT or IMPS. While the user enters only MPIN, at the backend, two-factor authentication takes place.

"Currently, the average transaction through IMPS is ~5,000. This is likely to go down as people will now use UPI for making payments of smaller amounts," says Dilip Asbe, chief operating officer, NPCI.