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

Friday, September 30, 2016

10486 - Voila! Customers could withdraw money from zero balance Jan Dhan accounts! - Money Life


Moneylife Digital Team


23 September 2016


In what it could be a technical lapse or sheer good luck, several Jan Dhan account holders from Beed district in Maharashtra have been able to withdraw money using Aadhaar authentication from zero balance accounts, reports Marathi daily Loksatta. Since these accounts had no money at all (zero balance), this withdrawal could not even be passed off as a part of the Rs5,000 overdraft facility promised on the Jan Dhan accounts, nor do they meet the overdraft criteria. 

10485 - Authentication for payment via iris technology soon = Live Mint

Last Modified: Fri, Sep 23 2016. 03 58 AM IST


Delta ID’s PoS terminal will authenticate customers’ iris scans to facilitate payments using Aadhaar

Komal Gupta

Photo: Priyanka Parashar/Mint

The iris technology that is currently part of mobile phones and tablets will soon be used in point-of-sale (PoS) terminals such as cash registers.

Delta ID, an iris technology developer for mobile phones, is planning to make PoS terminals using this technology.
ActiveIRIS, developed by Delta ID, was in the news recently after its iris scan became the first such software to be approved by the Unique Identification Authority of India (UIDAI).
This technology will now be integrated to be used at PoS terminals to facilitate seamless payments with or without credit/debit cards.
The PoS terminal will scan and authenticate the iris of the customer to facilitate payments using Aadhaar. If the user has linked a bank account to the Aadhaar number, the payment can be made with just the iris scan—the money will be transferred from the customer’s bank account to the merchant’s account. If the customer is using a credit card, the iris scan on the PoS can be used for authentication.
Vivek Khandelwal, vice-president, business development, Delta ID Inc., said this will facilitate a contactless and touch-less experience.
“The next platform that we are looking at, as suggested by UIDAI, is PoS terminals. Imagine a scenario, making a payment without carrying a credit or debit card. Again, if I were to make a payment at a PoS terminal, I would look for higher security and more reliability, which this technology offers,” he said.
PoS terminals include cash registers, computers and hand-held devices that can handle debit and credit cards.
A UIDAI official confirmed that the authority has asked Delta ID to look at more uses for the iris scan software.
With the introduction of the Unified Payments Interface, iris scan can be used for Aadhaar authentication to validate a transaction before transferring money.
“It gives confidence to our customers that this technology has been approved by UIDAI. With less than 1% failure rate, people will be ready to build devices with this technology,” said Khandelwal.
The software was tested in May on Samsung Galaxy Tab Iris by the government’s STQC (Standardization, Testing and Quality Certification) service, in collaboration with the Centre for Development of Advanced Computing, a research and development organization of the department of electronics and information technology, and UIDAI.
With more than 1 billion Aadhaar enrolments, the use of Aadhaar for resident authentication including as proof of identity and proof of address and for electronic KYC (know your customer) is expected to rapidly spread across services for government and private enterprises.
This is the market that Delta ID is looking to capture as it believes that iris authentication will be widely accepted as a secure and reliable biometric authenticator. Iris scan works across all age groups.
Rahul Matthan, partner at Trilegal, a law firm, said there are more than 650 million debit cards in circulation in India, but on average, an Indian concludes no more than six non-cash transactions in a year.
“There is no point having PoS terminals with a technology that people don’t use; we have to find a way in which even a roadside person can make cashless payments. If this idea is implemented properly, it can be very revolutionary,” he said.

10484 - Stop making Aadhaar mandatory for scholarship schemes, SC tells Centre = Scroll.In


Published Sep 23, 2016 · 02:17 pm.   Updated Sep 23, 2016 · 03:22 pm.

The top court responded to a writ petition objecting to government attempts to make the card compulsory on the National Scholarship Portal.

Aadhaar, is "purely voluntary and cannot be made mandatory" the Supreme Court said on Friday, reaffirming its order from October 14, 2015. This view stands till the court comes out with a new decision on the issue, the bench said. The judges were responding to a writ petition that raised objections to the government reportedly making the Aadhar card submission mandatory when applying for certain scholarship schemes. The court asked the Union government to follow its orders and desist from doing so.

The petition was filed by the All-Bengal Minority Students Council and ANR. The court has directed the chief justice of India to form a bench to hear matters related to the biometric identity scheme. The government has also been directed to stop making Aadhar mandatory for pre-matric, post-matric and merit-cum-means scholarship schemes and has been asked to remove the Aadhaar number as a "mandatory condition for student registration" on the National Scholarship Portal.

The Indian government is also reportedly pushing global technology giants to embed the Aadhaar programme with their devices. The biometric programme has faced stiff opposition that claims it violates citizens' privacy and could hurt national security efforts.

We welcome your comments at letters@scroll.in.

10483 - Supreme Court Shuts Down Mandatory Aadhaar Requirement in Modi’s Scholarship Portal - The Wire



The court also essentially reaffirms that the Aadhaar scheme is completely voluntary, until it eventually decides one way or the other.

New Delhi: The Supreme Court has ruled that the Modi government’s national scholarship portal cannot require students to sign up for an Aadhaar number as part of its registration process, in an order that not only reaffirms the court’s earlier decision to keep the identification scheme voluntary but also throws into question the Centre’s attempts at making Aadhaar integration mainstream.

The court order came on a writ petition by the All Bengal Minority Students Council earlier this month, which pointed out that the government’s attempts at making “Aadhaar submission mandatory” for a majority of scholarship schemes ran contrary to the Supreme Court’s interim order last year on the voluntary nature of Aadhaar.

Bench of justices V Gopala Gowda and Adarsh Kumar Goel ordered that the Centre’s decision to make the submissions of an Aadhaar number mandatory for the pre-matric, post-matric and merit-cum-means scholarship schemes must be halted.

“We stay the the operation and implementation of letters dated…to the extent that they have made Aadhaar submission mandatory,” the court’s order reads.

More significantly, the court also directs the ministry of electronics and information technology, which was also a respondent, to “remove Aadhaar number as a mandatory condition for student Registration form at the National Scholarship Portal…”

Voluntary or not?
The Supreme Court references its, earlier interim order on the biometric authentication scheme last year, noting that “our attention was invited to Para 5 of the order dated 15-10-2015 passed by this Court..”

Paragraph number 5 in question goes as follows: “We will make it clear that the Aadhaar card scheme is purely voluntary and it cannot be made mandatory till the matter is finally decided by the Court one way or the other.”

This paragraph has been particularly troublesome for the Modi government, which sees mainstream implementation of the identification system as important for India’s development. As The Wire reported earlier, major ministry officials are confused over whether notification of the Aadhaar Act negated to a certain extent the Supreme Court’s order last year on keeping Aadhaar voluntary.

Attorney General Mukul Rohatagi for instance, sees the notification of the Aadhaar Act as overriding all concerns raised by civil society and the Supreme Court. In remarks to the media on September 12th, which is when sections pertaining to the mandatory use of Aadhaar were notified, Rohaagi pointed out that the law “takes care of all concerns surrounding potential misuse”.

“The earlier challenge against mandatory use was against an executive notification that conceived Aadhaar. Now, the law takes care of all concerns surrounding potential misuse,” Rohatagi said.

The Supreme Court, in its order on the government’s scholarship schemes, does not appear align itself with this argument. It takes note of petitioner’s main argument, namely that making submission of Aadhaar card mandatory “are contrary to the interim order passed by the Constitution Bench and therefore, to that extent they are not tenable in law”.

10481 - Aadhaar card not mandatory for scholarship schemes, says Supreme Court - IB Times


The court order came after the All Bengal Minority Students Council filed a writ petition earlier this month.



September 23, 2016 16:11 IS

[Representational Image] The court also directed the Ministry of Electronics and Information Technology to "remove Aadhaar number as a mandatory condition for student Registration form at the National Scholarship Portal."IANS

The Supreme Court has ordered that the government cannot make the Aadhaar submission mandatory for the registration process on its national scholarship portal for students, reiterating its earlier decision of keeping the identification scheme voluntary.

The court order came in response to the All Bengal Minority Students Council's writ petition filed earlier this month, highlighting the government's attempt to make Aadhaar submission mandatory for the pre-matric, post-matric and merit-cum-means scholarship schemes, despite the SC's 2015 order on the voluntary nature of the Aadhaar card. 

"We stay the operation and implementation of letters dated...to the extent that they have made Aadhaar submission mandatory," a bench of Justices V Gopala Gowda and Adarsh Kumar Goel said in the court, the Wire reported.

The court also directed the Ministry of Electronics and Information Technology to "remove Aadhaar number as a mandatory condition for student registration form at the National Scholarship Portal."

The apex court, in its earlier order, had stated: "We will make it clear that the Aadhaar card scheme is purely voluntary and it cannot be made mandatory till the matter is finally decided by the Court one way or the other."

10480 - Farmers protest Aadhaar link for procurement - New Indian Express

By Express News Service
Published: 23rd September 2016 05:24 AM

SAMBALPUR: Protesting the linking of Aadhaar number to bank accounts for procurement of paddy in the ensuing kharif marketing season, thousands of farmers under the banner of Paschim Odisha Krushak Sangathan Samanwaya Samiti (POKSSS) staged a demonstration in front of the office of Revenue Divisional Commissioner (North) here on Thursday.
Their other demands include disbursal of drought assistance of `100 per quintal of paddy, input subsidy, insurance claims against crop loss and settlement of water conflict over river Mahanadi.

A POKSSS leader addressing farmers in front of RDC office in Sambalpur on Thursday | Express
The protestors locked the entrance gate of the RDC office for about 15 minutes and threatened to lock the offices of Revenue Inspectors and Collectors across  Western Odisha phase-wise in the coming days if the State Government fails to take a decision on their demands during the ongoing Assembly session.

Addressing the gathering, POKSSS convener Ashok Pradhan said the State Government had assured payment of drought assistance of `100 per quintal of paddy. However, it is silent over payment of drought assistance. Besides, a large number of farmers are yet to get input subsidy and insurance claims against crop loss during the last kharif season, he added.

POKSSS co-convener Lingaraj urged the Government to stop diverting water from river Mahanadi and Hirakud Dam Reservoir to industries as it would adversely affect irrigation. Instead of diverting water to industries, the Government should initiate steps for strengthening irrigation.
The POKSSS also declared that the farmers would ask their elected representatives about the steps taken by them to pressurise the State Government on payment of drought assistance and input subsidy during the ongoing Assembly session in case no decision is taken by the Government.
Moreover, the farmers’ body has resolved to stage agitation near Hirakud Dam Reservoir at Pitapali area in Sambalpur on November 6 over Mahanadi water dispute between Odisha and Chhattisgarh.

Earlier on August 29, the farmers, under the banner of POKSSS, had staged demonstration in front of collectorates across the region over the demands.

10479 - Mandatory Aadhaar: Govt has gone against SC, privacy remains the only issue - Catch News




With the passage of the Aadhaar Act as a Money Bill in March, the government scuttled the Supreme Court's October 2015 order that Aadhaar could not be made compulsory.

The Supreme Court had made it clear that Aadhaar could not be made mandatory, and could only be 'extended' to services like transfer of cooking gas subsidy, Jan Dhan Yojana, and the Mahatma Gandhi National Rural Employment Guarantee Act on a voluntary basis.

The court had also ordered the government to "give wide publicity in the electronic and print media, including radio and television networks, that it is not mandatory for a citizen to obtain an Aadhaar card", and that "production of an Aadhaar card will not be condition for obtaining any benefits otherwise due to a citizen".
The government, however, has been flouting the apex court's order ever since.

On 12 September 2016, the government notified sections under the Aadhaar Act, thus providing legal backing for its use in various government schemes.

NO HEARINGS ON AADHAAR

With this move, the legal battle over Aadhaar in the Supreme Court has got restricted to the issue of privacy.

The petitioners in the case involving privacy had challenged the unique identification (UID) number used to collect information from individuals, and contested that sharing such data would be a violation of the right to privacy.

The matter was subsequently referred a Constitutional Bench on 11 August 2015. But even a year later, the Bench is yet to be constituted.

There are a number of petitions still pending with the Supreme Court challenging the validity of Aadhaar, both with respect to privacy, and whether it helps avoid pilferage in the disbursement of government schemes like the public distribution system.

These petitions were placed before the Supreme Court way before the Act was passed and notified, but were never heard. Around seven such petitions still lie with the Supreme Court.
The petition concerning the matter of privacy was also referred to the Chief Justice of India on the grounds of "institutional integrity and judicial discipline". But not a single hearing has been held.
However, on 14 September, the Supreme Court reiterated its stand, stating that "production of an Aadhaar card will not be a condition for obtaining any benefits otherwise due to a citizen". In the same order the Supreme Court, struck down government directions attempting to make Aadhaar compulsory for scholarship schemes.
The order, in turn, made it illegal for the government's proposed directions to make Aadhaar mandatory for a wide range of benefits and services, from pensions and scholarships to railway bookings and under the DBT scheme.
CASES WHERE GOVT HAS FLOUTED SC ORDER


  • In Odisha, many state-run colleges professed their inability to disburse funds due to a sudden requirement of students having to share their Aadhaar numbers. Minister of state for tribal welfare, Sudam Marandi, informed the regional media that there was already a fully functional portal called Prerana that allowed for SC/ST students to avail their scholarships, and the money was directly transferred to their bank accounts. He also added that if Aadhaar were to be made mandatory, many students would be deprived of their dues.
  • In June, the Bombay High Court dismissed a public interest litigation, which sought to quash a 2015 Maharashtra government resolution, making it mandatory for children to submit Aadhaar details while securing school admission. The PIL had taken into account the Supreme Court's order, saying the state government's resolution to make Aadhaar mandatory was contradictory to the apex court's order. The HC's stance was in direct contrast to the SC's.
  • The Chief Minister of West Bengal, Mamata Banerjee, had also expressed her displeasure over the Centre's decision to make Aadhaar cards compulsory for scholarships. At a rally in August, she had said: "At least 800 villages in Bengal don't have banks. Over one crore people in Bengal don't have Aadhaar cards. How can they make it compulsory when one crore people in Bengal will not get pensions, subsidies or scholarships? Let them first set up banks before making Aadhaar compulsory."
TOO LATE NOW

It might be too late now to debate the benefits of Aadhaar. A Cabinet Secretariat notification to all ministries reads that all subsidies and welfare schemes must be brought under Direct Benefit Transfer scheme by 31 March 2017.
Nikhil Dey, a social activist and one of the petitioners, says: "There is confusion because the government is not taking into account what the Supreme Court has to say. The government, whether it talks about students, subsidies or railways, talks about making Aadhaar compulsory. The government has the capacity to shove it down people's throats. The issue with Aadhaar is, the more marginalised you are, the more marginalised you become with Aadhaar."
Reetika Khera, an economist in the Humanities and Social Sciences department at the Indian Institute of Technology, Delhi, says: "Blissfully ignoring Supreme Court orders, the government is trying to create a fait accompli on Aadhaar. We are concerned that the court has not heard a series of petitions challenging the government's increasingly coercive approach. Further, the savings estimates which the government presented before the court to allow the use of Aadhaar in the PDS, NREGA, pensions etc, have been have challenged by the CAG and by independent researchers."

10478 - Skype can be used for Aadhaar-based ID authentication: Microsoft - Skype


Skype can be used by people to authenticate themselves for accessing government services that require Aadhaar-based authentication.

By: PTI | Updated: September 23, 2016 10:45 am

Microsoft says Skype can be used for Aadhaar based ID authentication.
Microsoft today said it has presented to central authorities various “case scenarios” on how its Skype service can be used for identity authentication using the Aadhaar database. “We have presented various case scenarios on how Skype can be used. We already support iris authentication (on Windows 10). Now it depends on them how they want to proceed,” Microsoft India Chairman Bhaskar Pramanik told PTI.
Citing an example, he said Skype can be used by people to authenticate themselves for accessing government services that require Aadhaar-based authentication.
The Unique Identification Authority of India (UIDAI) is in discussions with handset makers and operating system providers for embedding the identification technology onto mobile devices. This will help people authenticate their Aadhaar biometrics on the phone itself to avail of various government schemes, subsidies and services.

Bhaskar did not comment the proceedings of the meeting as company representatives were not present at the meeting. Talking about the Indian market, Pramanik said the country is of strategic importance.
“This is because of three things — talent, innovation and market (opportunity). We are actively working with the government across areas to contribute to the Digital India mission and transforming India,” he said.
Microsoft has partnered Andhra Pradesh government for rolling out a pilot that is solving the issue of high rates of school drop outs. Using data analytics, the solution predicts how many students will drop out of school, helping the teachers make better decisions and curb the problem.
“We are in discussions with other states as well. Punjab has already signed up for the project,” he added. The US-based company is running another pilot that helps farmers get SMS notifications on the best time to sow seeds in their fields, so that they get the best yield.
Another key area of focus for the company is cloud. “We have partnered PwC, where PwC will become a Microsoft Cloud Solution Provider. This will help Microsoft extend its reach organisations of all sizes in India across industries like financial services, government, manufacturing, retail and healthcare,” he said.

10477 - Ensure Aadhaar numbers for all students: State govt. to schools - The Hindu

MUMBAI, September 23, 2016


The Maharashtra government has asked all schools, including private ones, to ensure that all their students have Aadhaar numbers before September 30. Schools will also have to upload student data including their Aadhaar numbers on the education department’s school portal.
Prakash Charate, Deputy Education Officer (Private Primary Aided Schools), BMC said, “All schools, both government and private, unaided or aided, have an online portal on which they are required to provide information about the number of teachers and students they have, with their Aadhaar numbers. This will help us collate information on schools and take decisions accordingly. This is being carried out across the State.”
He added: “Aadhaar is a crucial link for tracking a child’s education. At times, the students just disappear from the educational radar, which is then used to blame us for falling educational standards. Using the Aadhaar number, we will be able to track and determine if such children are studying in other schools or have migrated to other cities. We have enrolled most children in Mumbai schools.” Under the Right To Education Act, 2009, the State government is obliged to ensure that all children aged six to 14 are enrolled in schools.
Mr. Charate said such details assume importance now because they become a determining factor in taking important decisions like sanctioning teachers for a school. “Earlier, teachers would be sanctioned as per the number of class divisions; now, this depends on the number of students.”
Dr. Dolly Henry, principal, Vani Vidyalaya School and Junior College, said: “As we are an aided school, we have already made it compulsory for students to have Aadhaar numbers. This is necessary while applying for scholarships and other schemes.”
Jayanti Livingstone, teacher in-charge of Jari Mari Tamil municipal school, said the school has been uploading details of teachers and students on the government portal Saral. “Aadhaar becomes necessary here. If a child does not have Aadhaar, we ask them to enrol and show us the enrolment slip, which we enter in the portal.”
The government has also made it mandatory for all school leaving certificates from institutions in Maharashtra, irrespective of their board affiliations, to bear Aadhaar numbers. A basic standard format has been circulated for school leaving certificates. Schools have also been asked to reprint certificates if they are not in the standard format. Officials said this is expected to tackle issues faced by migrating students.

Schools have already been told to upload information on students eligible for scholarships under various schemes, and to ensure that such students have Aadhaar numbers linked to a bank account. Rural schools have been instructed to organise an enrolment camp on campus if they find a high number of students without Aadhaar numbers, or organise for enrolment at the nearest Aadhaar centre.
The writer is a freelance journalist

Schools have already been told to upload information on students eligible

for scholarships

10476 - How India is shaping the global smartphone market - CNBC


Wednesday, 21 Sep 2016 | 1:29 PM ET

Rupak De Chowdhuri | Reuters
Labourers speak on mobile phones opposite a public call office (PCO) in a market area in Kolkata, India, March 9, 2016.

Western smartphone makers, like Apple and Google, are increasingly looking east for growth, giving countries like India significant influence over the sorts of features they build into their phones.

"Normally what happens in emerging markets is they leapfrog others in terms of forging ahead," said Satish Meena, forecast analyst at Forrester. "India has the advantage of volume — they have sufficient volume so they can tell smartphone makers to build certain features."

"The smartphone makers can then try and use them in the African market, and the Middle East market, for example. The African market has similar problems in terms of purchasing power and penetration of smartphones," said Meena.

India has the fastest-growing smartphone market in the world, accounting for 27.5 million devices sold in the second quarter of 2016, up 17 percent from the second quarter of 2015, according to IDC. Mobile subscriptions are expected to hit 1.4 billion by 2021, according to the Ericsson Mobility Report, released in June. 

"Everybody is looking at India as a huge landing ground for their innovation and also as a next big step in that part of the world," said Sanjeet Pandit, Qualcomm senior director for business development and sales for Asia-Pacific and India. Qualcomm's chips are used in about 30 percent of smartphones in India. 

The country's 1.3 billion citizens are spread across across a vast geographic area — from modern urban hubs to poor rural villages — which has made delivering payments and services challenging for both the public and private sector, said Forrester's Meena.

The government is promoting a program known as the Aadhaar initiative which assigns a unique identification number to every registered citizen — similar to a U.S. Social Security number — and is encouraging people to submit fingerprints and iris scans.
That biometric information allows people to more easily access government services, such as subsidies, health care and education, or do things like open a bank account or cellphone plan remotely using an Aadhaar-approved cellphone. The government is pushing smartphone makers to create devices for the domestic market which support iris-based authentication technology.

More than a billion people have already signed up for an Aadhaar number, and the program is already helping to combat benefits fraud and greasing the wheels of business. 

"The Aadhaar program has been one of the most innovative things that the government of India has launched," said Pandit. "It's not easy to scale such a huge program and collect so many scans across a diverse population and all across the market. They have done a fantastic job in getting that going."

10475 - Startups leveraging Aadhaar system to develop database and payment solutions- Biometric Update




September 21, 2016 - 

India’s Aadhaar biometric authentication system has provided the foundation for at least nine startups, which are leveraging the system to develop various technologies including database and payment solutions, according to a report by Live Mint.
OnGrid (Handy Online Solutions Pvt. Ltd.), which launched in May, is using Aadhaar-based authentication to check the backgrounds of blue-collar workers and ultimately create a database containing information on employee’s past job records, performance ratings, and salary details.
“Blue-collar industry has the highest amount of frauds such as using fake identity cards. And the industry is such, that the attrition rates go up to 80% so it becomes very expensive for any company to do a background verification,” said Vineet Bansal, co-founder of OnGrid.
In 2009, the Unique Identification Authority of India (UIDAI) initially introduced Aadhaar as a national biometric-based identification system before it became the foundation for government agencies in sending direct transfer payments.
In addition to OnGrid, IDfy (Baldor Technologies Pvt. Ltd), TrustId (Swabhimaan Distribution Services Pvt. Ltd), and Simpal Mobile Payments and Information Services are also operating in this segment.
Simpal is leveraging the biometric data linked with Aadhaar to be used as a method of payment. The startup has partnered with the University of Biejing’s Department of Pattern Recognition to develop the Android-based POS mobile phone, OctoPOS, which is integrated with iris recognition.
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The mobile phone will offer other methods of contactless payments integrated with Visa, MasterCard or RuPay cards.
“Out of about estimated 30 to 40 million merchants, 1.2 million merchants have a POS [device],” said Vineet Toshniwal, founder of Simpal. “This is because, for a majority of the merchants, a small transaction of Rs20-30 becomes unviable over a POS. [For India]…to become a cashless economy, all such merchants would have to adapt to such a technology of cashless payment that is easy to understand and use.”
UIDAI certified OctoPOS in May to integrate with the Aadhaar database. Simpal is aiming to launch the first order of 1 million OctoPOS devices in the next six to nine months at a price of $100 each.
The smartphone can also be used for eKYC (know your customer) process by banks and telecom companies.

10474 - CS reviews NPR, Aadhaar enrolment status - Daily Excelsior


Posted on 22/09/2016 by Dailyexcelsior
Excelsior Correspondent


Chief Secretary, B B Sharma chairing video conference with DCs at Srinagar on Wednesday.


SRINAGAR, Sept 21: Chief Secretary, B R Sharma today chaired a video conference with DCs of Jammu division to review district wise status of National Population Register (NPR) enrolment and Aadhaar generation in the State.

Secretary, IT, senior officers from Census Department and other officers were also present in the meeting.

As on date, enrolment of over 95 lakh citizens in Jammu and Kashmir has been completed along with generation of 85 lakh Aadhaar cards. The total census population in J&K is 125 lakh.
During the meeting, Chief Secretary emphasized on 100% Aadhaar enrolment along with focus on enrolment of children between 5 to 18 years of age. He also asked the DCs to expedite enrolment of beneficiaries under Aadhaar based DBT so that Aadhaar may be used as an identifier for delivery of various subsidies/benefits/services to them.

Union Government has decided that all centrally funded schemes are to be brought on Aadhaar based Direct Benefit Transfer (DBT) besides grants to states under SSA, RMSA, Mid-Day Meal, ICDS, MGNREGA, scholarships etc may be linked to Aadhaar enrolment to ensure that benefits under various schemes are given only to genuine and deserving beneficiaries.
To expedite capturing of biometric data of left out population, Chief Secretary directed deployment of more machines (Biometric kit) and operators as per requirement of the districts.

10473 - Microsoft plans Aadhaar-enabled products for Digital India - Deccan Herald

Bengaluru, Sep 22, 2016, DHNS:


Microsoft has evinced plans to build Aadhaar-enabled products for the Digital India initiative, and showcase them to Prime Minister Narendra Modi. When asked about Aadhaar project, Microsoft India Chairman Bhaskar Pramanik said that the company is ready to align with the government in this regard. “We are ready to make our devices Aadhaar-compliant, as they will help citizen service delivery become smoother, going forward,” he said.

“We can think about Aadhaar-embedded Skype, where it can be used to verify citizen identity. Right now, you verify your ID using OTP (one-time password), but it could be verified using your iris,” he added. Pramanik said that the company is focusing on talent, innovation and market in the country to lay thrust on Digital India.

Pramanik said that he received the privilege to be a part of a great Indian journey, from main frame computing, to the mobile-first and cloud-first world. “With our mission of empowering every individual and organistion to achieve more, Microsoft India has done phenomenal work in partnering the Digital India game plan,” he said, pointing out that health, agriculture and education are primary focus areas for the company in the country. “We have already tied up with the Andhra Pradesh government in education. We are soon signing an MoU with the Punjab government as well,” he said.


Microsoft Research India and Microsoft India Research and Development are also conducting research with interdisciplinary approach. “We have been conducting research in natural language processing. Here, we have been doing lots of work in the space of artificial intelligence and machine learning,” he said.

10472 - Aadhaar Act: what it means for you - Live Mint

Last Modified: Thu, Sep 22 2016. 10 46 AM IST


Aadhaar has received a legal backing to be used in social welfare schemes and to disburse subsidies as well

Uttaresh Venkateshwaran

Priyanka Parashar/Mint

With an intention to use Aadhaar for all government schemes, the Centre last week notified all sections, but one, of the Aadhaar, (Targeted Delivery of Financial and Other Subsides, Benefits and Services) Act, 2016. This means that Aadhaar has received a legal backing to be used in social welfare schemes and to disburse subsidies as well.

The Supreme Court had last year ruled that use of this system will not be mandatory and can only be extended to services like transfer of cooking gas subsidy, Jan Dhan Yojana, and Mahatma Gandhi National Rural Employment Guarantee Act. The ambit has slowly increased as it is seen as a valid document in daily financial life as well.

If you don’t have an Aadhaar number yet, should you apply for one, as it looks set to become a key validation and verification document? Here’s a look at Aadhaar’s usage in availing financial services.

Use in transactions

Taxation: You can e-verify income tax returns with the help of Aadhaar. You need to link your Aadhaar and Permanent Account Number (PAN) to the income tax department’s website with the help of a one-time password (OTP). However, it is important that the details such as name of the person on PAN and Aadhaar are same. Any difference, even in the spelling, may make it impossible to link the number. “It is not a mandatory element, but the government is looking to make the system more convenient for a taxpayer…from e-KYC to verification, Aadhaar will be a strong requirement to do business with the government,” said Archit Gupta, founder and chief executive officer, ClearTax.com, an online tax filing company.
According to the company, of the total number of e-verified income tax returns (ITRs) of 16.8 million this year with the tax department, around 7.77 million verifications were through the Aadhaar-PAN linked system.

Mutual funds: Aadhaar-based e-KYC has been facilitated by the Securities and Exchange Board of India for mutual funds. The procedure needs an OTP and Aadhaar. “There are some restrictions. If you do e-KYC through Aadhaar, you cannot make large-value investments due to limit of Rs 50,000 per year,” said Vishal Dhawan, founder and chief financial planner, Plan Ahead Wealth Advisors.

Banking: It is mandatory for customers to provide certain details to comply with know-your-customer (KYC) norms. To make this process paperless, the Reserve Bank of India had introduced Aadhaar-based e-KYC, which substitutes the need to submit multiple documents . Instead of giving separate proofs for ID and address, among others, a single document can replace all these requirements. To open a Jan Dhan Yojana account, one can simply use only Aadhaar as well. “It (Aadhaar) also helps in keeping track of the various schemes and programmes the government runs along with the beneficiaries,” said Adhil Shetty, chief executive officer and co-founder, Bankbazaar.com

Payments: Last week, there were reports that Aadhaar was going to be made mandatory to book railway e-tickets from December. A senior railway official, associated with the developments, clarified that it will not be in December. The Railways has been cracking down on fraudulent bookings with measures such as different timings for tatkal bookings, among others. Aadhaar-based booking may be a step in that direction.

What you should do
It would be prudent to apply and get an Aadhaar if you don’t have it already. You can visit the nearest enrolment centre along with proof documents and get your biometrics registered as well.

While not mandatory, experts recommend getting this card to benefit from smoother transactions.


Wednesday, September 28, 2016

10471 - Understanding India’s push into biometrics By: Chris Wright - Euro Money

Understanding India’s push into biometrics By: Chris Wright Published on: September 2016 From Aadhaar to iSPIRT – your guide to Indian biometrics. Print Order   • 

Aadhaar is a biometric ID card, but it is significant to financial services as a method of authentication. Using the card and a fingerprint or iris scan, it becomes possible to identify oneself accurately from anywhere, and without the need for a paper trail. A feature of Aadhaar called eKYC (electronic know-your-customer) allows a cardholder to open a bank account instantly, just using their Aadhaar number and their own biometrics. Subsequent initiatives linked to Aadhaar include a digital signature to make documents secure; and a digital locker to store those documents. • Prime minister Narendra Modi was elected on a platform of inclusion, and on Indian Independence Day in 2014, from New Delhi’s Red Fort, he introduced a keystone initiative to ensure that every family living in India has a bank account. This is known as Jan Dhan Yojana (in full, Pradhan Mantri Jan Dhan Yojana, or 'prime minister’s people money scheme’). Many open with a zero balance, but the idea is that it connects the disenfranchised to the economy. Also, it’s free, and comes with life cover. By June 2016, 220 million accounts had been opened, including 18 million in the first week in August 2014, which apparently got it into the Guinness World Records. • One of the benefits that comes with a Jan Dhan Yojana account is the RuPay debit card, usable at ATMs, point-of-sale machines and e-commerce sites at cheaper rates than Visa and MasterCard. By May 2016, 267 million debit cards had been issued. "It was conceived to fulfil RBI’s vision to offer a domestic, open-loop, multilateral system, which will allow all Indian banks and financial institutions in India to participate in electronic payments," says Puneet Gulati at JM Financial. Axis Capital calculates that RuPay has already built a 38% market share after four years of operations. A RuPay credit card will follow later this year. • RuPay is one of many initiatives by the National Payments Corp of India, a fascinating institution that has been a key driver of banking technology (as has the Reserve Bank of India, which has encouraged it throughout). NPCI was set up in 2009 by the RBI and the Indian Banks Association, and is a non-profit organization owned and promoted collectively by 10 of the biggest banks in India, from public State Bank of India to private sector ICICI and HDFC, and foreigners Citibank and HSBC. It is an umbrella organization for all the retail payments systems in India. "It is creating infrastructure which rests on the principle of large scale and high volumes, resulting in payment services at a fraction of the present cost structure," explains Priya Rohira, executive director at Axis Capital. The various products that have come out of NPCI have gone from handling 2 million transactions a day six years ago to about 22 million a day now, with an aim of reaching 100 million a day.  • Aside from RuPay, two key NPCI initiatives are the Aadhaar Payments Bridge System and Aadhaar Enabled Payments System, and this is where the interconnections between the various initiatives in India start to get interesting. Through these, the payment of government benefits, such as subsidies for natural gas, are handled automatically and paid into an account verified through the Aadhaar card. More than 1 billion transactions have been completed using the payments bridge so far, and 260 million bank accounts are directly linked to Aadhaar. This is the clearest illustration of what the government is trying to do: the Aadhaar ID has facilitated the opening of a bank account; the automatic payment of government benefits into it has made that bank account active; and suddenly that person is part of the financial mainstream, with the added benefit that wastage, corruption and fraud are removed from the system. • Another NPCI success is the Immediate Payment Service, or IMPS, which provides mobile-based fund transfer. The smartphone is going to be instrumental to India’s financial journey, perhaps even more so than elsewhere; through it, Credit Suisse analyst Ashish Gupta argues that India is going to skip two generations in banking, largely going straight from branch banking to mobile banking. Gupta also expects virtually all bank deposit holders to own a smartphone by 2020. IMPS has been a huge success: transactions through it grew by 180% year on year in fiscal 2016, with Rs1.62 trillion ($24 billion) transacted through the system in a single year.  • However, the newest initiative, the Unified Payments Interface, launched on July 31, goes further still. IMPS is by most standards a great system, but it does have limitations: only banks that are members of NPCI’s IMPS system can access its database, meaning that mobile wallets are excluded from it; the process of transfer can be cumbersome at first; and it only allows for so-called 'push’ transactions, through which the sender initiates the transaction. What is revolutionary about UPI is inter-operability, which means money can be transacted across multiple different bank accounts, cards, wallets and banks. (At least 15 banks are believed to have rolled it out on July 31, with others following.) Mobile numbers can be used to identify recipients. And where IMPS can only push, UPI can pull, too, where the recipient initiates the transfer – for example, a merchant’s billing system initiating a payment. "It’s the world’s first inter-operable mobile payments system," says Nandan Nilekani, cofounder of Infosys. "Pushing or pulling money from a smartphone will be as easy as sending or receiving an email."  • Next comes the Bahrat Bill Payment Service (BBPS), which is aimed specifically at regular bill payments. Credit Suisse reckons $115 billion of bills are processed in India each year, and paper-based payments constitute over 90% of those payments. BBPS will be an inter-operable system, operating as a single authority through which customers can pay all their bills electronically. • This whole combination of elements is known generically as India Stack, a term coined by the think-tank iSPIRT. You might think of it as a pyramid, with Aadhaar as the foundation, and various other layers built on top of it, culminating with UPI, all of it assisted by the growing use of the mobile phone. Jan Dhan means everyone will have a bank account; Aadhaar means everyone has a unique identity for verification; mobile connectivity means anyone can access it all from anywhere. • One other important point to understand, particularly from a banking perspective, is that all of this means that India moves from being data poor to data rich. "A large majority of Indians are today invisible to formal lenders due to them being thin-file or no-file customers from the point of view of lenders," says Credit Suisse’s Gupta. "The result is low credit penetration and, in particular, low unsecured credit." But one result of all these digital initiatives is that "more of modern life gets captured in digital data streams", says Gupta. • Consequently there is, perhaps, one layer left to build: Nilekani calls it the Electronic Consent Architecture. "There’s all this data that is going to start spewing out of every system, this digital footprint," he says. "Is there a way to make it simple for an individual or business to leverage his own data for his own benefit? If I want a loan, and I can show through this data that I have a consistent record of payment, then it’s more likely I will get a loan." He is talking with the Reserve Bank to see if this can be accessible to the financial sector as a standard way of assessing applicants. "And that," he says, "hopefully, will be the last step."


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Tuesday, September 27, 2016

10470 - 3 visually impaired teens avail Aadhaar card at special camp - TNN


TNN | Sep 21, 2016, 10.14 AM IST

Jamshedpur: Three visually impaired teenagers were issued an Aadhaar card at a special camp organized by the district public relations department in association with the National Association for Blinds (NAB) in Baradwari area of Sakchi on Tuesday. 

Balbir, Adarsh and Chotu, all aged between 10-15 years, received their unique identification number (UID) following a special arrangement made by the UIDAI team at the NAB office. 

The development came after a series of complaints were registered, stating UID enrollment was being refused to the visually impaired. A special camp was immediately set up by the district administration to provide the facility.

"Visually impaired people often face difficulties in availing Aadhaar card under normal retinal scan, hence a UIDAI team was sent to generate the card by taking the print of all ten fingers," district public relations officer (DPRO) Sanjay Kumar said. 

"We are looking forward to conduct more such camps and ensure that the visually impaired also get their Aadhaar card to avail government sponsored schemes," NAB official Preetpal Singh said.




The parents of the teenagers extended their gratitude to officials for their support in generating the card. "I am thankful to the district administration for making the Aadhaar card for my daughter," Satvinder Singh, father of 11-year-old Balbir Kaur, said.

10469 - Concerns on Aadhaar before Supreme Court have been addressed: Ravi Shankar Prasad - Economic Times

By Aman Sharma, ET Bureau | Sep 21, 2016, 08.06 AM IST


Prasad also said the government was “very conscious” to follow SC orders regarding only schemes prescribed by SC for Aadhaar using it.

NEW DELHI: The government has addressed the concerns raised before the Supreme Court regarding Aadhaar and those who wish to take subsidies will need a unique identification number, Union law minister Ravi Shankar Prasad has said. "Most of the concerns raised in the pending litigation before SC have been addressed or sought to be addressed," Prasad told ET in an interview on Tuesday even as a clutch of petitions on Aadhaar are coming up for hearing before the Supreme Court soon. 

"What is the argument in SC? One, that Aadhaar is there but there is no statutory backing; now, an Act is in place. Two, no guidelines are there... now, guidelines are there in the Act and the recently notified regulations. Three, secrecy has not been taken care of; the same has happened now," Prasad said. The top court had last year ruled that Aadhaar will only be voluntary. Prasad said the 'mandatory vs voluntary' debate is "meaningless" since an Act was now in place, and one may need Aadhaar to avail government subsidy

"The scheme is that you must have an Aadhaar. If you don't have an Aadhaar, go for Aadhaar. You are being encouraged to take an Aadhaar only if you want to take a benefit of subsidy. Otherwise don't take it. Because subsidy — whether paid by the Centre or the state government — has to have flow from the Consolidated Fund of India," he said. "This condition (of Aadhaar) is only and only imposed on those who want subsidy or a service or benefit going from Consolidated Fund of India." 

Prasad also said the government was "very conscious" to follow SC orders regarding only schemes prescribed by SC for Aadhaar using it. 

He stressed that there will be "no denial (of service) per se" and a provision is there to provide it by an alternate identity mechanism if a person does not have Aadhaar. "You are being encouraged to get an Aadhaar but delivery will not be stopped." 

Asked if that alternate mechanism was only an interim measure till the person gets Aadhaar, he said: "Obviously...there have to be certain pre-conditions or not?" The minister said there is a statutory segregation for good governance in subsidies flowing from the consolidated fund, and that agencies handling subsidies will help people get Aadhaar. 

Taking the example of a person buying ration on a ration card, he said, "Under the regulations, to make life easier, the person may not have to run from pillar to post for Aadhaar. The agency requiring Aadhaar will itself become a registrar." 

But in case the person does not wish to use Aadhaar to get rations, "then don't take ration on the ration card, go to the market", Prasad said. 

Asked about companies like Apple and Google not warming up to government's suggestion to various telecom companies of making their mobiles Aadhaar-enabled, Prasad said many companies who "don't like it now may re-think" in future. "The huge Indian market is available. Utility of Aadhaar is proven...If you feel happy, come," Prasad said. 

He said Aadhaar is "ideology neutral, politics neutral and only good governance positive". The utility which the Centre had shown of Aadhaar was "winning us friends every day" in form of various states because of savings. "Close to `36,000 crore have been saved by only a limited application of Aadhaar. It is a huge amount," Prasad said. 


He said the privacy aspect of Aadhaar addressed in the Act was at par with principles of phone tapping approved by SC. "Any abuse of data beyond the boundaries of this act shall not be tolerated," Prasad said.

10468 - Detection of bogus ration cards results in Rs 14,000-crore savings - Financial Express

All 24.3 crore ration cards in the country are now available on transparency portals of states/UTs, and 65% of them have already been seeded with Aadhaar

By: Sandip Das | New Delhi | Updated: September 20, 2016 7:04 AM

Moreover, 28 of the country’s 36 states/UTs have started online allocation of foodgrain while automation of supply chains has been completed in 18 (1.5 lakh of the country’s 5.3 lakh fair price shops are automated). (Reuters)

Over 2.33 crore ration cards have been weeded out since early 2013 as part of government efforts to identify the beneficiaries of the food security law. The reduced instances of ghost-lifting have resulted in annual savings of around Rs 14,000 crore to the exchequer.

Though millions of new ration cards have been issued in the same period and the law itself inflated the food subsidy bill, yet the last three years’ public distribution system (PDS) reform helped plug leakages and curbed the growth in subsidy outgo, officials said.

The reform started with digitisation of ration cards and their seeding with the unique identification number Aadhaar. All 24.3 crore ration cards in the country are now available on transparency portals of states/UTs, and 65% of them have already been seeded with Aadhaar.

Moreover, 28 of the country’s 36 states/UTs have started online allocation of foodgrain while automation of supply chains has been completed in 18 (1.5 lakh of the country’s 5.3 lakh fair price shops are automated).

As far as expunging of duplicate ration cards is concerned, close to 80% of this has been done in five states —West Bengal, Karnataka,Maharashtra, Telangana and Rajasthan (see chart). Besides, states such as Chhattisgarh, Andhra Pradesh, Odisha, Uttar Pradesh and Tamil Nadu too, have removed significant number of such cards.

The officials added that states like Bihar, Jharkhand, Himachal Pradesh, Assam and Kerala have not shown much progress in removing duplicate ration cards from their systems. Food minister Ram Vilas Paswan has requested these states to expedite the reform, saying that transparency in the functioning of PDS is key to targeted implementation of the food security law.

Under the law, over 82 crore beneficiaries get 5 kg of foodgrain per month at heavily subsidised rates: Rs 3/kg for rice, Rs 2/kg for wheat and R1/kg for coarse grains.

“Andhra Pradesh is the first state in the country to automate all of its 29,027 fair price shops, followed by Madhya Pradesh (all 22,401 FPSs), Daman & Diu (all 51 FPSs), and Tamil Nadu (all 34,723 FPSs). Considerable progress has also been achieved in Gujarat, Chhattisgarh and Rajasthan with 17,000 (99%), 11,965 (97%) and 24,649 (96%) automated FPSs, respectively. As a result, these states/UTs have been able to reduce ghost-lifting, achieve better targeting of food subsidies by authentication of eligible beneficiaries, improvement in service delivery, weeding out bad FPSs, etc.,” the ministry of consumer affairs said in a statement recently.

“With the innovative use of technology, significant progress has been reported by states/UTs on PDS reforms in the last two years. States must focus on the reduction of inclusion and exclusion errors and Aadhaar validation so that no eligible beneficiary is denied entitlement under the PDS scheme,” Paswan said.


10467 - Digital technologies: Able tools need varied application - Indian Express


Payment Bridge (APB), backing government’s claim of the immense utility of this system in combating frauds.

Written by Anil Sasi , Pranav Mukul | New Delhi | Published:September 20, 2016 3:21 am

Aadhaar and its derivatives, may not be enough in ensuring that the country fully utilises these technologies for the purpose of better governance. (Illustration: C R Sasikumar)

The NDA government may have redoubled the focus on leveraging technological platforms and systems under its flagship Digital India programme, but the mere presence of these tools and systems, including Aadhaar and its derivatives, may not be enough in ensuring that the country fully utilises these technologies for the purpose of better governance.

“There are world class technological tools available in India such as Aadhaar, which can be applied in many ways to make services seamless, but India has not been able to completely leverage these tools available with it,” chairman of Telecom Regulatory Authority of India RS Sharma, who has also been the director general of the Unique Identification Authority of India and was also a former IT secretary, said. Speaking to The Indian Express, Sharma said that these tools could be used not just for making government services easy to use for people, but could also be applied in several other sectors such as health, education, financial services, etc.

A closer look at the progress on the practical applications of Aadhaar reveal the gaps in leveraging the technological intervention. Rampant delays in payments across states under the Centre’s job-guarantee scheme — the Mahatma Gandhi National Rural Employment Guarantee Act — offer some evidence of the shortfall in utilisation of bank accounts seeded with the Aadhaar database. Across a number of states, especially Chhattisgarh, Bihar, Jammu and Kashmir, Uttar Pradesh and Tamil Nadu, the percentage of delayed payments surge well beyond 60 per cent, pushing up the national average to over 44 per cent during the April-July period this fiscal.
Out of a total base of 12.98 crore job cards being issued, as per latest available data, 8.05 crore were seeded with Aadhaar. However, in the last two years, only 6.61 crore MNREGA transactions were made over the Aadhaar Payment Bridge. The Aadhaar Payment Bridge System is a repository of Aadhaar numbers linked with the primary bank account number of holders. The system is used for receiving various social security and entitlement payments such as MNREGA wages, pensions, etc. from government agencies.

Furthermore, according to latest available government data, only 12.02 crore, or just about 50 per cent of the bank accounts opened under the Pradhan Mantri Jan Dhan Yojana were linked to an Aadhaar number. This is despite Aadhaar being the primary ‘Know Your Customer’ (KYC) document for opening an account under the government’s financial inclusion scheme. Compared with this, total number of bank accounts that have been opened using electronic-KYC is a meagre 2.91 crore as of August-end.

Even as Sharma’s idea that “transferring money should be as easy as making a phone call” has the necessary apparatus available to make it happen, the laggardness in involving the available tools has proven to be a hurdle for improvement in quality of life on these grounds. On one hand, while the Centre is taking its time with applying the available systems, the private sector has grabbed the opportunity to use technology for simplifying its services. Barely a week after the Department of Telecommunications issued a notification in August, on rolling out of e-KYC-based verification for new mobile phone connections, major telecom operators such as Bharti Airtel, Vodafone India, Idea Cellular and the newly launched Reliance Jio started deploying the system that would allow consumers to activate their connections instantly based on an Aadhaar card.
Sharma said that the move would go on to save millions of rupees in cost for these telecom operators who were thus far activating connections based on a physical customer acquisition form. He added that the cost of maintaining crores of these papers was also huge for the companies. Financial technology firm Paytm also introduced Aadhaar-based e-KYC verification for its payments network, enabling instantaneous paperless verification process. Also, FreeCharge, a digital wallet owned by Snapdeal, has said it would adopt Aadhaar as a know-your-customer identity (KYC) tool for customers who can enhance their wallets to Rs 1 lakh from Rs 10,000. FreeCharge, which has around a million wallet users, has maintained that being Aadhaar-enabled is key to “mass adoption and ubiquitous usage”.
Earlier, the Trident group became the first corporate in the country to disburse salaries leveraging the Aadhaar
Payment Bridge (APB), backing government’s claim of the immense utility of this system in combating frauds. “Linking Aadhaar number to the salary accounts of the employees will help the company in saving verification cost and weed out fake data,” Rajinder Gupta, chairman of Trident group, said.
However, it isn’t that one-sided. In some cases, while the government has said it has made enough provisions in the new Aadhaar law to ensure there is no breach of privacy, the very apprehension in a certain segment of stakeholders of sharing the data with the government is stopping the optimum utilisation of the country’s identification technology. The UIDAI top-brass recently met executives of various big smartphone manufacturers to discuss the possibility of having Aadhaar integration within their devices. This would make smartphones enabled with fingerprint readers and iris scanners a tool for making seamless payments when connected with the UIDAI server. This, however, would mean the manufacturers opening up their own technology used for security and encryption to the authorities — something these companies have stood against in the past.

10466 - Aadhaar verification - Business Standard

Business Standard  |  New Delhi 
September 19, 2016 

While most customers are excited about getting a free Jio connection, many are not happy about handing over their Aadhaar details and give an additional thumb impression to a private company.

Some say giving Aadhaar details is invasion of privacy and they are happier giving up a free connection and rock bottom tariff than give their thumb impression.

"Who will guarantee that my personal data won't be misused?" said an executive in Mumbai who was offered a free connection.

10465 - Centre mulling Jeevan Pramaan 2.0 - Just a click & seniors can prove they are alive -


By Surabhi Agarwal

NEW DELHI: After the first version of Jeevan Pramaan (digital life certificate) was launched in 2014 by PM Narendra Modi, the Centre is now looking to further simplify the process for senior citizens to get their pensions. 

Jeevan Pramaan enabled pensioners to authenticate themselves using Aadhaar -to show that they are alive -instead of being physically present at a government office. 

The new proposal will allow senior citizens prove they are alive by just sending an email or .. 

Read more at:

10464 - India is enrolling infants and children in Aadhaar – but what about their consent? - Scroll.In

India is enrolling infants and children in Aadhaar – but what about their consent?
Published Sep 19, 2016 · 10:30 am.   Updated Sep 19, 2016 · 02:16 pm.

Within minutes of birth, children are being signed up for the contentious identification programme.

On September 7, Seema (name changed) became the youngest person in India to get an Aadhaar number, after she was enrolled within five minutes of her birth in Khajuwala, Rajasthan.
The government’s biometric-based identification system, which assigns each citizen a unique number, covers 98% of India’s adult population, according to the latest figures. The coverage among children, however, is far less, and when taken into account, brings total enrolment to 82%
To plug this gap, the government has proposed to link five child-specific schemes to Aadhaar. The inclusion of the mid-day meal scheme among others in this list means that for children in government schools, even getting a hot cooked lunch would be contingent on their biometrics.

Lifelong decision at infancy
Passed in March, the Aadhaar Act makes no distinction between the enrolment of infants (below five years old), children (aged 5 to 18) or adults.
This gives rise to two concerns. First, more than 2.5 crore children have already been enrolled under the programme, without any procedural safeguards that look into issues pertaining to consent, or review of information.
Second, though the Unique Identification Authority of India, which operates the Aadhaar programme, has been asked to take “special measures” while issuing an Aadhaar number to children, the Act does not make any mention of what the measures are, and the programme does not allow children to opt out at a later stage. This is an important clause because children are largely not the ones deciding to enroll in the first place.
Researchers agree that children differ from adults in terms of their capacity to make decisions. They point out that the ability to make logical and rational decisions comes with age and the development of one’s cognitive skills. This is not a new finding – lawmakers have been aware of children’s inherent incapacity for a long time. The need for parental consent for children’s medical treatment or the legal invalidity of contracts by minors are examples of this.
In the context of Aadhaar however, these concerns seem to have completely escaped the consideration of our lawmakers. Raising an entire generation in an environment of biometric ubiquity merits a hard look at the implications of such a society and its impact on our children.

Practical concerns
In recent months, the government has been pushing to register children under Aadhaar right at birth, at the hospital itself, to ensure full enrolment in India by 2017.
Children under the age of five do not need to provide biometrics for enrolment. Their Aadhaar number is mandatorily linked to that of their parents. Children are required to submit their biometrics once at the age of five and subsequently at the age of fifteen. This is because biometrics such as fingerprints and irises are yet to fully develop.
However, several problems arose during the pilot project for this. Enrolment agencies found it tough to capture acceptable images because newborns would not keep still. The absence of distinguishing features between children made the photographs meaningless. Further, many children in India are not named immediately at birth. Despite these practical hurdles, the government seems undeterred from its plan of enrolling infants at birth.

Privacy issues
The information collected by the Unique Identification Authority of India is stored on a central database. Apart from the personal details, including biometric information, the database also keeps a record of all transactions made using the Aadhaar number
As a result, every time someone uses the number, a new entry gets created against their record in the system. With children being forced to enrol, this database can become a lifelong trail of all their transactions.
Under the Aadhaar Act, this information can be shared “in the interest of national security” and if ordered by a court. Consequently, detailed information from an individual’s childhood could be retrieved several years later in a completely different context.
At present, the Supreme Court is hearing petitions against the Aadhaar programme. If Aadhaar survives these legal challenges, the UIDAI must ensure that all authentication records are automatically deleted once a child turns 18.
Question of consent
The UIDAI requires parents’ Aadhaar information to be linked with children only up till the age of five. Its website clarifies that children above that age need to submit their biometrics.
However, it makes no mention of parents’ consent being required for enrolment of children between five and 18. Further, there are no rules allowing parents to access their children’s information and review or correct the same.

Sona Mani Devi gave birth on NH-33 in Latehar, Jharkhand on September 10. She was required to get Aadhaar made for her other two children by their school teacher even while she was pregnant and was not in a condition to travel, reported Indian Express.
Several countries across the world have given statutory recognition to the fact that children lack capacity to give consent. The UK Protection of Freedoms Act mandates that written consent of at least one parent is necessary before schools use biometric information of children. This consent can be withdrawn at any stage. Any objection raised by the child overrides parental consent. Further, it is the school’s duty to provide reasonable alternatives to make those services accessible if there is no consent.
Similarly, the US has the Children’s Online Privacy Protection Act to safeguard children’s information on the internet. It requires websites and applications to obtain a parent’s consent for children below the age of 13. It allows parents to access this information and request that it be deleted.
One may argue that the absence of choice with regard to Aadhaar makes the whole issue of informed consent moot. After all, the resultant exclusion from benefits as a result of non-enrolment implies that people will be forced to enroll. But it is erroneous to think that informed consent is limited only to choice.
Understanding and appreciating the consequences of a decision are inherent aspects of decision-making, and this is a capacity that children lack. However, the enrolment of children under Aadhaar continues unabated without addressing these concerns.
The processes in place for children's enrolment, if any, are completely opaque. There is little clarity on the role of parents’ consent in capturing biometrics, accessing information, correcting it and the duration that every minor’s data can be held for.
As a result, children are being enrolled in a system without any understanding of it and without an option to have their information deleted once they attain adulthood.
And so, many children like Seema will have to prove their identity throughout their lives for the most innocuous and mundane transactions. Within five minutes of her birth, her parents and the health centre officials in Khajuwala, Rajasthan, decided she must have an Aadhaar number. In all probability, she will never have an opportunity to review this decision for herself.

Kritika Bhardwaj works as Programme Officer with the Centre for Communication Governance at the National Law University Delhi.
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