AADHAAR RELATED ARTICLES: 9904 - Product crack: DBS Bank’s Digibank

In 2009, I became extremely concerned with the concept of Unique Identity for various reasons. Connected with many like minded highly educated people who were all concerned.

On 18th May 2010, I started this Blog to capture anything and everything I came across on the topic. This blog with its million hits is a testament to my concerns about loss of privacy and fear of the ID being misused and possible Criminal activities it could lead to.

In 2017 the Supreme Court of India gave its verdict after one of the longest hearings on any issue. I did my bit and appealed to the Supreme Court Judges too through an On Line Petition.

In 2019 the Aadhaar Legislation has been revised and passed by the two houses of the Parliament of India making it Legal. I am no Legal Eagle so my Opinion carries no weight except with people opposed to the very concept.

In 2019, this Blog now just captures on a Daily Basis list of Articles Published on anything to do with Aadhaar as obtained from Daily Google Searches and nothing more. Cannot burn the midnight candle any longer.

"In Matters of Conscience, the Law of Majority has no place"- Mahatma Gandhi

Ram Krishnaswamy

Sydney, Australia.

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 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

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

Tuesday, May 3, 2016

9904 - Product crack: DBS Bank’s Digibank - Live Mint

Last Modified: Wed, Apr 27 2016. 07 10 PM IST

Product crack: DBS Bank’s Digibank

Any bank’s customer can use this app, but if you don’t have any bank account, then this app is not for you

Vivina Viswanathan

On Tuesday, 26 April, DBS Bank Ltd launched Digibank, a mobile app that allows you to open an e-wallet and a savings bank account without visiting a bank branch. It allows various options to complete the know your customer (KYC) process, including going to select Cafe Coffee Day outlets, to do this.

HOW DOES IT WORK?

The app can be downloaded from an app store. Any bank’s customer can use this app, but if you don’t have any bank account, then this app is not for you. Though the app offers to open a bank account, you need to have an existing banking relationship to load money. Hence, the unbanked population can’t use it. Once installed, open the app to enter details such as name, date of birth, mobile phone number and email ID. To verify these details, you will get a one-time password (OTP) on your phone, which you have to enter to start using the app.

To start using the app, you have to login with your user name and password. When you shut the app, it automatically logs you out.

You can load the e-wallet using Net banking, credit card or debit card.

There is also a virtual assistant facility that you can use to get answers to queries. For instance, we asked ‘how to load money in the wallet?’. The response: Your account can be funded using your debit card, Internet banking or by transferring funds from another bank. The bank has partnered with US-based fintech firm Kasisto for this service.

You have options such as recharge, fund your account, deals, Visa debit card, statements and certificates. Since it is a mobile banking app, to convert the e-wallet into a bank account, you need Aadhaar. For KYC compliance, you need Permanent Account Number (PAN), Aadhaar and biometric authentication. Certain Café Coffee Day outlets (in eight cities as of now) offer biometric verification service. You can also request for an agent to collect your documents. The app offers additional services such as tracking expenses and analysing purchasing trends. It also uses tokenisation, where the verification happens automatically without human interference, for verification instead of OTPs via SMS.

Once you open a savings account, you will get 7% interest rate for amounts up to Rs.1 lakh. For amounts between Rs.1 lakh and Rs.1 crore, the interest rate will be 6%, and 4% for even higher amounts. There is a Visa-enabled debit card, with which unlimited ATM cash withdrawals are allowed. This service is only for the bank account you create with DBS Bank. Also, there are no minimum balance requirements for the account. The savings account can be used to open fixed and recurring deposits as well. For fixed deposits, the interest rates are in the range of 6.25-7.2% for durations ranging from 90 days to 5 years. The same goes for recurring deposits. While the e-wallet takes about 2 minutes to open, the savings account takes about three days.

MINT MONEY TAKE

The app is in many ways similar to what other banks offer. Unlimited free ATM cash withdrawals and 7% interest on savings account is a plus, though three days to open the account is on the higher side.

Vivina Vishwanathan