Prime Minister’s Awards for Excellence in Public
Description: Prime Ministers Awards for Excellence in Public Administration, 2018 Promoting Digital Payments Ministry of Electronics IT (MeitY) 1 9132017 Agenda 9132017 Ministry of Electronics IT (MeitY) 2 9132017 Ministry of Electronics
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slide1. Prime Minister’s Awards for Excellence in Public Administration, 2018 “Promoting Digital Payments” Ministry of Electronics & IT (MeitY) 1 9/13/2017<br>
slide2. Agenda 9/13/2017 Ministry of Electronics & IT (MeitY) 2<br>
slide3. 9/13/2017 Ministry of Electronics & IT (MeitY) 3 Digital Payments - Mission 01<br>
slide4. Digidhan Mission – Introduction 9/13/2017 Ministry of Electronics & IT (MeitY) 4 Several initiatives are being taken by Government to promote a digital payment ecosystem.
The Government has announced setting up of a mission with a target of 2,500 crore digital payment transactions during financial year 2017-18
Ministry of Electronics & IT (MeitY) has been entrusted for the promotion of digital payment transactions
A mission was created under the name “DIGIDHAN” with the primary target of promoting the digital payments in the country
MeitY is actively working on various strategies and is operating with multiple stakeholders including Banks, Central Ministries/Departments and States to create a conducive environment to enable digital payment across India<br>
slide5. Digidhan Mission – Key Objectives 9/13/2017 Ministry of Electronics & IT (MeitY) 5 Key Objectives
To achieve 2500 Cr digital transactions in FY 2017-18 through digital payment modes including UPI , USSD , IMPS , Aadhaar Pay and Debit Cards
Promotion of digital payments and overseeing the growth of digital payments in the country
Support in development of low cost and easy to use digital payments solutions for each section of population
Ensure highest performance levels and quality of services in digital payments
Ensuring higher level of security of digital payments ecosystem, leading to increased trust levels in digital payments<br>
slide6. Digital Payments – Digital Payment Growth (1/2) 9/13/2017 Ministry of Electronics & IT (MeitY) 6 Source : Reserve Bank of India Growth of digital transactions in India since 2009 Target
2500 Cr
in 17-18<br>
slide7. Digital Payments – Digital Payment Growth (2/2) 9/13/2017 Ministry of Electronics & IT (MeitY) 7<br>
slide8. Digital Payments – Benefits 9/13/2017 Ministry of Electronics & IT (MeitY) 8 Benefits of Digital Payments<br>
slide9. 9/13/2017 Ministry of Electronics & IT (MeitY) 9 Digital Payments - Modes 01<br>
slide10. Digital Payments (1/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 10 Bharat Interface for Money (BHIM)
BHIM enables the customers to make simple, easy and quick payment transactions
Customers can collect money using mobile number or virtual payment address
Customers can also make merchant payments using BHIM app
Service available are: send money, receive money, scan and pay, approve/reject the collect request, generate static and dynamic QR code, log a complaint, manage profile and bank account<br>
slide11. Digital Payments (2/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 11 Unified Payment Interface (UPI)
UPI is a payment system that powers multiple bank accounts into to single mobile app
Each bank provides its own mobile app
Funds can be transferred between two accounts using UPI app
Customers will have to register for mobile banking to use UPI apps
Customers need to download a UPI app and create a virtual payment address (VPA) or UPI ID to transact<br>
slide12. Digital Payments (3/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 12 Cards
Cards are provided by banks to account holders and are the most used digital
payment modes till date
Credit cards, debit cards and prepaid cards are the main types of cards. Customers can also use RuPay debit card for digital payments<br>
slide13. Digital Payments (4/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 13 Aadhaar Enabled Payment Service (AEPS)
Facilitating Aadhaar number based banking transactions
Simple, secure and user friendly mode of banking solution
Inputs required – Aadhaar number, biometric and bank name
Customers do not need to carry mobile phone or card, or do not need to remember any password to transact. It uses customers’ fingerprint as a password.
Financial transactions: cash withdrawal, cash deposit, Aadhaar to Aadhaar fund transfer
Non-financial transactions: demographic authentication, e-KYC, balance enquiry, mini statement, mobile update<br>
slide14. Digital Payments (5/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 14 BHIM Aadhaar
Allows merchants to accept payments via Aadhaar number
Merchants have to download the app on mobile
Benefits:
Customers do not require mobile device or any other technology to make payments
No debit or credit card required
No need to remember PINs, MPINs and passwords
Instant payment
Affordable payment solution for merchants as well as customers<br>
slide15. Digital Payments (6/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 15 USSD Banking or *99# Banking
It is a mobile banking based digital payment mode
Customer do not need to have a smartphone or internet connection to use USSD banking
It can be accessed with any normal feature phone
It is accessible through a common code *99# across all TSPs
It uses customers’ registered mobile number to connect with bank account
It acts as an additional channel for banking and a key catalyst for financial inclusion<br>
slide16. Digital Payments (7/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 16 Bharat QR Code
World’s first interoperable payment acceptance solution which makes use of
QR codes system for payments in the country
It is a quick response code jointly developed by National Payments Corporation of India (NPCI) that runs RuPay cards, Visa, MasterCard and American Express, under instructions from the Reserve Bank of India (RBI)
With Bharat QR, customers do not need to enter merchant details to transact. They do not need to swipe credit, debit or prepaid cards on swipe machines
They only need to scan the Bharat QR code with their smartphone camera. Enter the amount and UPI PIN to make the payment<br>
slide17. 9/13/2017 Ministry of Electronics & IT (MeitY) 17 Digital Payments - Schemes 01<br>
slide18. Digital Payments – Schemes (1/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 18 Objective: To increase the uptake of BHIM by benefitting customers.
Eligibility Criteria:
Bonus will be paid to any new individual doing first 3 transactions of aggregated value of at least Rs. 50 even without referrer also Referral Bonus Scheme for Individuals<br>
slide19. Digital Payments – Schemes (2/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 19 Objective: To promote usage of BHIM by benefitting Merchants on BHIM transactions
Eligibility Criteria:
Minimum number of 20 credit transaction from valid UPI unique customers including that of BHIM users
Minimum transaction value of Rs. 25 Cash Back Scheme for BHIM<br>
slide20. Digital Payments – Schemes (3/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 20 Objective: To promote usage of BHIM Aadhaar by incentivizing biometric transactions
Eligibility Criteria:
All merchant acquiring banks allowing Aadhaar based biometric transactions are eligible for support under this scheme
Transactions up to Rs. 2000 are eligible for support under this scheme Scheme for BHIM Aadhaar<br>
slide21. 9/13/2017 Ministry of Electronics & IT (MeitY) 21 Prime Minister Awards Scheme 02<br>
slide22. Prime Minister’s Awards Scheme (1/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 22 Category – Priority Programmes<br>
slide23. Prime Minister’s Awards Scheme (2/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 23 Details of Award<br>
slide24. Prime Minister’s Awards Scheme (3/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 24 Criteria for Evaluation<br>
slide25. 9/13/2017 Ministry of Electronics & IT (MeitY) 25 Prime Minister Awards Scheme – Evaluation Framework 03<br>
slide26. Evaluation Framework (1/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 26 Digital Payments Financial Inclusion Promotion and Awareness The parameters identified broadly covers the three important themes for “promoting digital payments”: Digital Payments, Financial Inclusion, and Promotion and Awareness<br>
slide27. Evaluation Framework (2/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 27 Percentage of bank accounts seeded with Aadhaar number
Percentage of bank accounts seeded with mobile number
Percentage of government fair-price shops having digital payment facility
Percentage of government fertilizer retail shops having digital payment facility Parameters<br>
slide28. Evaluation Framework (3/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 28 Parameters The number of BHIM/UPI transactions per capita in a district
Cash outflow (withdrawal) per capita from banks for current year 2017 when compared with previous year ( 2016) on month on month Basis.
The percentage of registered merchants having digital payment acceptance infrastructure in a district
The number of government established touch points accepting money through digital payments
Percentage increase in revenue collected from electricity bill payment through digital modes in a district from 1st April, 2016 to 31st Dec, 2017<br>
slide29. Evaluation Framework (4/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 29 Parameters The number of PoS installed per capita in a district
The percentage of registered merchants having Bharat QR code in a district
The incentive delivered to the beneficiaries for BHIM/BHIM Aadhaar schemes in a district
The number of Business Correspondents (BCs) with respect to rural population in a district
Strategy/methodology adopted to promote digital payment in a district<br>
slide30. 9/13/2017 Ministry of Electronics & IT (MeitY) 30 Prime Minister Awards – Expectation from States 04<br>
slide31. Prime Minister Awards – Expectations from States (1 of 2) 9/13/2017 Ministry of Electronics & IT (MeitY) 31 State Level
Conduct a state level workshop with all Districts Magistrates, SDMs, LDMs, DIOs to sensitize them digital payments and award.
Conduct state level review, at least once every month on progress of Digital Payments.
Promote PM Awards Scheme on the website of all States/Departments/Districts
District Level
Depute a nodal officer for enablement and promotion of Digital payments in the district
Constitute s district level working group under the DM with all stake holders (LDM, District Representative of all major banks, DIO, ADM/SDMs). The district level review may be conducted once in every 15 days. Expectations from States<br>
slide32. Prime Minister Awards – Expectations from States (2 of 2) 9/13/2017 Ministry of Electronics & IT (MeitY) 32 District Level
Identify and list all merchant points (both public and private) including, Govt./PSU Receipt Point, Utility bill points, Ticket Counters, Public Transport, FPS shops, Fertilizer retail points
Enable acceptance infrastructure for digital Payments at these identified points.
Create a promotion and awareness plan with participation from Panchayats, Wards, and elected representatives.
Organize half day session all Schools/Colleges on awareness on digital payments
Regular tracking of KPIs like BHIM Aadhaar deployment, BHIM Downloads, Bharat QR enablement, Mobile and Aadhaar seeding, Promotion activities. Expectations from States<br>
slide33. Thank You 9/13/2017 Ministry of Electronics & IT (MeitY) 33<br>
slide2. Agenda 9/13/2017 Ministry of Electronics & IT (MeitY) 2<br>
slide3. 9/13/2017 Ministry of Electronics & IT (MeitY) 3 Digital Payments - Mission 01<br>
slide4. Digidhan Mission – Introduction 9/13/2017 Ministry of Electronics & IT (MeitY) 4 Several initiatives are being taken by Government to promote a digital payment ecosystem.
The Government has announced setting up of a mission with a target of 2,500 crore digital payment transactions during financial year 2017-18
Ministry of Electronics & IT (MeitY) has been entrusted for the promotion of digital payment transactions
A mission was created under the name “DIGIDHAN” with the primary target of promoting the digital payments in the country
MeitY is actively working on various strategies and is operating with multiple stakeholders including Banks, Central Ministries/Departments and States to create a conducive environment to enable digital payment across India<br>
slide5. Digidhan Mission – Key Objectives 9/13/2017 Ministry of Electronics & IT (MeitY) 5 Key Objectives
To achieve 2500 Cr digital transactions in FY 2017-18 through digital payment modes including UPI , USSD , IMPS , Aadhaar Pay and Debit Cards
Promotion of digital payments and overseeing the growth of digital payments in the country
Support in development of low cost and easy to use digital payments solutions for each section of population
Ensure highest performance levels and quality of services in digital payments
Ensuring higher level of security of digital payments ecosystem, leading to increased trust levels in digital payments<br>
slide6. Digital Payments – Digital Payment Growth (1/2) 9/13/2017 Ministry of Electronics & IT (MeitY) 6 Source : Reserve Bank of India Growth of digital transactions in India since 2009 Target
2500 Cr
in 17-18<br>
slide7. Digital Payments – Digital Payment Growth (2/2) 9/13/2017 Ministry of Electronics & IT (MeitY) 7<br>
slide8. Digital Payments – Benefits 9/13/2017 Ministry of Electronics & IT (MeitY) 8 Benefits of Digital Payments<br>
slide9. 9/13/2017 Ministry of Electronics & IT (MeitY) 9 Digital Payments - Modes 01<br>
slide10. Digital Payments (1/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 10 Bharat Interface for Money (BHIM)
BHIM enables the customers to make simple, easy and quick payment transactions
Customers can collect money using mobile number or virtual payment address
Customers can also make merchant payments using BHIM app
Service available are: send money, receive money, scan and pay, approve/reject the collect request, generate static and dynamic QR code, log a complaint, manage profile and bank account<br>
slide11. Digital Payments (2/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 11 Unified Payment Interface (UPI)
UPI is a payment system that powers multiple bank accounts into to single mobile app
Each bank provides its own mobile app
Funds can be transferred between two accounts using UPI app
Customers will have to register for mobile banking to use UPI apps
Customers need to download a UPI app and create a virtual payment address (VPA) or UPI ID to transact<br>
slide12. Digital Payments (3/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 12 Cards
Cards are provided by banks to account holders and are the most used digital
payment modes till date
Credit cards, debit cards and prepaid cards are the main types of cards. Customers can also use RuPay debit card for digital payments<br>
slide13. Digital Payments (4/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 13 Aadhaar Enabled Payment Service (AEPS)
Facilitating Aadhaar number based banking transactions
Simple, secure and user friendly mode of banking solution
Inputs required – Aadhaar number, biometric and bank name
Customers do not need to carry mobile phone or card, or do not need to remember any password to transact. It uses customers’ fingerprint as a password.
Financial transactions: cash withdrawal, cash deposit, Aadhaar to Aadhaar fund transfer
Non-financial transactions: demographic authentication, e-KYC, balance enquiry, mini statement, mobile update<br>
slide14. Digital Payments (5/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 14 BHIM Aadhaar
Allows merchants to accept payments via Aadhaar number
Merchants have to download the app on mobile
Benefits:
Customers do not require mobile device or any other technology to make payments
No debit or credit card required
No need to remember PINs, MPINs and passwords
Instant payment
Affordable payment solution for merchants as well as customers<br>
slide15. Digital Payments (6/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 15 USSD Banking or *99# Banking
It is a mobile banking based digital payment mode
Customer do not need to have a smartphone or internet connection to use USSD banking
It can be accessed with any normal feature phone
It is accessible through a common code *99# across all TSPs
It uses customers’ registered mobile number to connect with bank account
It acts as an additional channel for banking and a key catalyst for financial inclusion<br>
slide16. Digital Payments (7/7) 9/13/2017 Ministry of Electronics & IT (MeitY) 16 Bharat QR Code
World’s first interoperable payment acceptance solution which makes use of
QR codes system for payments in the country
It is a quick response code jointly developed by National Payments Corporation of India (NPCI) that runs RuPay cards, Visa, MasterCard and American Express, under instructions from the Reserve Bank of India (RBI)
With Bharat QR, customers do not need to enter merchant details to transact. They do not need to swipe credit, debit or prepaid cards on swipe machines
They only need to scan the Bharat QR code with their smartphone camera. Enter the amount and UPI PIN to make the payment<br>
slide17. 9/13/2017 Ministry of Electronics & IT (MeitY) 17 Digital Payments - Schemes 01<br>
slide18. Digital Payments – Schemes (1/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 18 Objective: To increase the uptake of BHIM by benefitting customers.
Eligibility Criteria:
Bonus will be paid to any new individual doing first 3 transactions of aggregated value of at least Rs. 50 even without referrer also Referral Bonus Scheme for Individuals<br>
slide19. Digital Payments – Schemes (2/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 19 Objective: To promote usage of BHIM by benefitting Merchants on BHIM transactions
Eligibility Criteria:
Minimum number of 20 credit transaction from valid UPI unique customers including that of BHIM users
Minimum transaction value of Rs. 25 Cash Back Scheme for BHIM<br>
slide20. Digital Payments – Schemes (3/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 20 Objective: To promote usage of BHIM Aadhaar by incentivizing biometric transactions
Eligibility Criteria:
All merchant acquiring banks allowing Aadhaar based biometric transactions are eligible for support under this scheme
Transactions up to Rs. 2000 are eligible for support under this scheme Scheme for BHIM Aadhaar<br>
slide21. 9/13/2017 Ministry of Electronics & IT (MeitY) 21 Prime Minister Awards Scheme 02<br>
slide22. Prime Minister’s Awards Scheme (1/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 22 Category – Priority Programmes<br>
slide23. Prime Minister’s Awards Scheme (2/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 23 Details of Award<br>
slide24. Prime Minister’s Awards Scheme (3/3) 9/13/2017 Ministry of Electronics & IT (MeitY) 24 Criteria for Evaluation<br>
slide25. 9/13/2017 Ministry of Electronics & IT (MeitY) 25 Prime Minister Awards Scheme – Evaluation Framework 03<br>
slide26. Evaluation Framework (1/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 26 Digital Payments Financial Inclusion Promotion and Awareness The parameters identified broadly covers the three important themes for “promoting digital payments”: Digital Payments, Financial Inclusion, and Promotion and Awareness<br>
slide27. Evaluation Framework (2/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 27 Percentage of bank accounts seeded with Aadhaar number
Percentage of bank accounts seeded with mobile number
Percentage of government fair-price shops having digital payment facility
Percentage of government fertilizer retail shops having digital payment facility Parameters<br>
slide28. Evaluation Framework (3/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 28 Parameters The number of BHIM/UPI transactions per capita in a district
Cash outflow (withdrawal) per capita from banks for current year 2017 when compared with previous year ( 2016) on month on month Basis.
The percentage of registered merchants having digital payment acceptance infrastructure in a district
The number of government established touch points accepting money through digital payments
Percentage increase in revenue collected from electricity bill payment through digital modes in a district from 1st April, 2016 to 31st Dec, 2017<br>
slide29. Evaluation Framework (4/4) 9/13/2017 Ministry of Electronics & IT (MeitY) 29 Parameters The number of PoS installed per capita in a district
The percentage of registered merchants having Bharat QR code in a district
The incentive delivered to the beneficiaries for BHIM/BHIM Aadhaar schemes in a district
The number of Business Correspondents (BCs) with respect to rural population in a district
Strategy/methodology adopted to promote digital payment in a district<br>
slide30. 9/13/2017 Ministry of Electronics & IT (MeitY) 30 Prime Minister Awards – Expectation from States 04<br>
slide31. Prime Minister Awards – Expectations from States (1 of 2) 9/13/2017 Ministry of Electronics & IT (MeitY) 31 State Level
Conduct a state level workshop with all Districts Magistrates, SDMs, LDMs, DIOs to sensitize them digital payments and award.
Conduct state level review, at least once every month on progress of Digital Payments.
Promote PM Awards Scheme on the website of all States/Departments/Districts
District Level
Depute a nodal officer for enablement and promotion of Digital payments in the district
Constitute s district level working group under the DM with all stake holders (LDM, District Representative of all major banks, DIO, ADM/SDMs). The district level review may be conducted once in every 15 days. Expectations from States<br>
slide32. Prime Minister Awards – Expectations from States (2 of 2) 9/13/2017 Ministry of Electronics & IT (MeitY) 32 District Level
Identify and list all merchant points (both public and private) including, Govt./PSU Receipt Point, Utility bill points, Ticket Counters, Public Transport, FPS shops, Fertilizer retail points
Enable acceptance infrastructure for digital Payments at these identified points.
Create a promotion and awareness plan with participation from Panchayats, Wards, and elected representatives.
Organize half day session all Schools/Colleges on awareness on digital payments
Regular tracking of KPIs like BHIM Aadhaar deployment, BHIM Downloads, Bharat QR enablement, Mobile and Aadhaar seeding, Promotion activities. Expectations from States<br>
slide33. Thank You 9/13/2017 Ministry of Electronics & IT (MeitY) 33<br>