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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Friday, December 9, 2016

10573 - Forgot your password? Soon card transactions with fingerprint scan - Hindustan Times


BUSINESS Updated: Nov 04, 2016 11:21 Ist

Beena Parmar 
Hindustan Times

Next year, you may be able make payments through an eye or a finger scan, no longer needing your debit/credit card PIN or password.

Though some technology firms have raised security concerns, the RBI had asked all payment infrastructures to facilitate payments through biometric authentication with Aadhaar-enabled terminals from January 1, 2017.
This means that new ATMs and PoS (Point of Sale) merchant terminals are likely to let you authenticate debit/credit card transactions with a fingerprint or retinal scan.
“Making payments through biometric with Aadhaar-enabled machines is an added layer of security. We are discussing with the RBI ways to work out the security threats or challenges, if any,” said a senior NPCI official.

“At present, we are enabling 30-35 million transactions per month using biometric through micro-ATMs.” NPCI is the umbrella organisation for all retail payment transactions.
Banks and third-party vendors are sceptical about the move. Recently, 32 debit and credit cards were tampered with, resulting in about ₹1.3 crore being withdrawn from savings bank accounts.
Mumbai-based mobile PoS player and major card payment processor MSwipe’s CEO Manish Patel said, “In Aadhaar-based transactions, there are systemic risks. In case a hacker captures your biometric identity, it takes away the person’s identity and that can never be changed. Global security systems have got hacked, how can we assume that Aadhaar cannot be hacked? Dispute resolution will become difficult.”

Further, huge operating costs to install PoS machines will make it more expensive for banks to provide the service.
Currently there are 11 lakh PoS terminals and over 2 lakh ATMs.
R. Gurumurthy, head of risk and governance at RBL Bank said, “Potentially, challenges could be envisaged where biometric data is stored locally thus lending itself to potential theft. As long as that is not the case, this should be workable. Compromise at the central database of UID is tough to envision. Several countries use biometric data as an identity establishment method even in airports for immigration, availing social benefits.”
Banks and the Indian Banks Association are working together to communicate their inputs to the RBI and personally I think there is less time to comply with the mandate of January next year.”
Currently, there are around 1.07 billion Aadhaar cards issued in India with nearly Rs 300 crore worth of authenticated transactions. With the government looking to shift the payments landscape to more cashless transactions, this could be a big enabler. There are around 697 million debit cards and 25 million credit cards as on July 2016 and the debit and credit card transactions over the past 2 years have been growing steadily at 16% and 25%, respectively. However, about 90% of transactions in the country are in cash.
Even as RBI agreed that the process is not in place and can be time consuming, in an official response to HT, RBI said, “With the increase in Aadhaar coverage and also the seeding of bank accounts with Aadhaar number, Aadhaar is assuming importance as an important identifier, including for financial transactions. The JAM trinity of Jan-Dhan account, Aadhaar number and Mobile, has also given a fillip to the efforts of financial inclusion and implementation of the common vision and agenda of the Government and the Reserve Bank of India towards promoting electronic payments. Accordingly, authentication of transactions using Aadhaar-biometric is also being envisaged by putting in place necessary infrastructure as indicated in our circular.”

Deepak Chandnani, CEO of Worldline South Asia & Middle East and Ajay Dubey, senior channel manager at Forcepoint, a cyber-security solution provider said that biometric technologies are being tested and used by companies like Apple and Google while banks and payment companies need to work on better or improved processing and there needs to be more awareness.