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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Tuesday, May 31, 2016

10072 - At IDFC's Bharat Banking, micro ATMs hold key to govt subsidy and micro finance business - Busniess Standard


Nearly 32,000 pensioners will be using the IDFC Bank Micro ATM infrastructure to access their benefits in coming days
Jyoti Mukul  |  New Delhi 
May 30, 2016 Last Updated at 12:57 IST


With focus on mass rural market, IDFC Bank’s Bharat Banking division is eyeing government business like disbursal of subsidy and scholarships in a big way. It has started tying up with state governments for various schemes and is also looking to provide micro financing.

Ravi Shankar, Head- Bharat Banking, told Business Standard, IDFC Bank has partnered with Andhra Pradesh government in Krishna district for direct benefit transfer through Aadhaar-enabled payment system (AEPS). Besides, going forward, the bank would look at micro financing schemes for purchase of motorcycles, equipment and even low-cost housing.

The Andhra Pradesh government initiated DBT transfer from May 1, starting with social security pension. It will be extended to other government entitlements and finally to Public Distribution System (PDS), making PDS payments cashless.

Shankar said the bank uses interoperable micro ATMs that enhance last mile financial access through digitisation. The Micro ATM functions like a ‘Bank-in- a-Box’. The first interoperable social security pension was drawn through an IDFC Bank AEPS Micro ATM on May 1 at Ganapavaram, Mylavaram mandal in Krishna district.

Nearly 32,000 pensioners will be using the IDFC Bank Micro ATM infrastructure to access their benefits in coming days. The bank estimates over time, concentrated coverage of banking services would touch the lives of 46 lakh citizens in the Krishna district alone.

The bank’s Micro ATM is owned and operated by women members of self-help groups (SHGs), approved for financial support by the government of Andhra Pradesh. This is helping in promoting entrepreneurship in the Krishna district, the bank said.

The Micro ATM agent would cater to customers at Panchayat offices (in the first few days of every month) and later from their respective residences/ work areas. These Micro ATMs offer all basic banking services to customers of any bank, including deposits, withdrawals and transfers.

In the Krishna district, people can draw their entitlements in their neighbourhood itself, by transacting on any of the 500 Micro ATMs deployed by IDFC Bank across villages.

The full package of fund disbursal under government’s MNREGA, pension, scholarships and cashless PDS would also be carried to other districts, said Shankar.

These ATMs work like tablets which have applications developed internally and have biometrics and printer attached to them. They are available at fixed outlets which could be kirana stores where the shop owner is the operator. The applications loaded on it allow deposits and withdrawal facilities and service requests. Retailer has a current account with the bank. He dispenses and accepts cash even as the customer does not need to have an account with IDFC Bank.

The micro ATMs also provide instant account opening and activation, working on multiple identifiers including Aadhaar-based authentication, mobile numbers, debit cards and bank account numbers.

Shankar said IDFC Bank’s Bharat Banking branches would be set up in semi urban and rural areas. “They have a catchment area of 25-30 km. We have a vision of creating large low-cost banking infrastructure.”

He said their business model was different from banks. “It is an outreach model. Officers reach out to customers and offer services at doorsteps. We are closer to micro finance organisations. Besides, we also offer customised savings products to people. We layer it with new technology.”

Some 35 such branches have already been set up in around nine districts of Madhya Pradesh. Besides, it has started building bank network in Uttar Pradesh and Karnataka, where it has 10 branches.