Aadhaar

The UIDAI has taken two successive governments in India and the entire world for a ride. It identifies nothing. It is not unique. The entire UID data has never been verified and audited. The UID cannot be used for governance, financial databases or anything. It’s use is the biggest threat to national security since independence. – Anupam Saraph 2018

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 scholarUsha Ramanathandescribes 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

In the Supreme Court, Meenakshi Arora, one of the senior counsel in the case, compared it to living under a general, perpetual, nation-wide criminal warrant.

Had never thought of it that way, but living in the Aadhaar universe is like living in a prison. All of us are treated like criminals with barely any rights or recourse and gatekeepers have absolute power on you and your life.

Announcing the launch of the#BreakAadhaarChainscampaign, culminating with events in multiple cities on 12th Jan. This is the last opportunity to make your voice heard before the Supreme Court hearings start on 17th Jan 2018. In collaboration with @no2uidand@rozi_roti.

UIDAI's security seems to be founded on four time tested pillars of security idiocy

1) Denial

2) Issue fiats and point finger

3) Shoot messenger

4) Bury head in sand.

God Save India

Wednesday, May 30, 2018

13612 - Aadhaar has emerged as key document for new bank accounts: Survey - Live Mint

Most respondents in the survey say they used the analogue form of Aadhaar document for opening bank accounts instead of using e-KYC service

Last Published: Mon, May 28 2018. 04 59 PM IST

New Delhi: Aadhaar has emerged as an enabler for financial inclusion with 76% to 95% of new accounts opened in different states relying on biometric identification but steps are needed to improve continued usage of these bank accounts, says a survey that analysed three-year data from rural Andhra Pradesh, Rajasthan, and West Bengal.

The survey, State of Aadhaar Report 2017-18 done by international research firm IDinsight covering 13,669 household members in 21 districts of the three states between November 2017 and February 2018, noted that only 45%-67% of account holders in these states continue to use them.

Zero-balance accounts opened under the financial inclusion scheme Jan Dhan Yojana is a key tool for the government to deliver entitlements to the intended beneficiary. The survey sought to find out whether Aadhaar had aided unbanked individuals or households in opening a bank account and whether Aadhaar had made bank accounts easier to use, resulting in fewer dormant accounts. Use of Aadhaar, the 12-digit biometric identity number issued by the Unique Identification Authority of India (UIDAI), is likely to widen in future for delivery of public services with the government planning major welfare schemes like the Ayushman Bharat National Health Protection Mission, known as Modicare, that will cover 500 million people.

Despite growing access to bank accounts among Indian adults, the survey found only a subset of accounts were actively in use—66.6% in Andhra Pradesh, 58.1% in West Bengal, and 44.9% in Rajasthan. “The next major challenge in financial inclusion is active participation in the financial ecosystem,” the survey said.
“As people start realising the benefits of transacting through the banking channel, gradually usage of bank accounts will increase. It will improve their creditworthiness and access to more financial products,” said Kalpesh Mehta, partner, Deloitte India.
The survey also found that although transactions through the use of micro-ATMs and through banking correspondents have been increasing, the “utilisation rates are still low in the three states.” In Andhra Pradesh, about a third of respondents who used their bank accounts in the last three months reported having used a microATM. In West Bengal and Rajasthan, it was much lower at 14.7% and 5.1%, respectively.

Low usage levels could be due to implementation gaps rather than the design of the microATM platform, the survey said, adding that the general view held by the respondents was that microATMs offered a better user experience compared to banks.
The study noted that nearly 90% of the respondents who used Aadhaar as an identification document to open a bank account also had another legitimate identity proof before securing an Aadhaar number. “..the high usage of Aadhaar as an identity document for opening an account demonstrates the benefits of having a universal ID — one document that can serve as proof of identity and address and that is widely recognised by both customers and service-providers.”

Among those who used Aadhaar for identification, the majority used the analogue form of printed Aadhaar document rather than electronically meeting the ‘know your customer’ requirement. In Andhra Pradesh, 81.9% used it in the analogue form, while 70.7% did in Rajasthan and 48.9% did in West Bengal.

The survey found that though usage of e-KYC or the electronic usage of Aadhaar to verify identities to open financial accounts had tripled in 2017-18 over the previous year, prevalence of e-KYC in opening bank accounts in rural settings was “fairly low.”


First Published: Sun, May 27 2018. 08 51 PM IST