Go Cashless , Be Digital

Basic Architecture of Cashless Transactions Acceptance Infrastructure Utilities Government Merchant Aadhaar (Identity Management/Authentication) Big Gap C2B C2G C2G Banks Transaction Modes: Mobile/ Card (UPI,IMPS,USSD,AEPS.) P2P Citizen Citizen Role of Banks

Present Scenario There is huge gap in acceptance infrastructure Role of Government: Create an acceptance infrastructure (Acceptance Development Fund) All merchants, utilities must have PoS machines

Avenues for Cashless Transactions

Extended Reach by Multi-channel Offerings Banker Agent Network (BC) Multi-channel delivery model m-Banking Call centre Branch Network Internet Bank ATM Network

Working of Micro ATMs Micro ATM Inter Bank Cash Deposit / Withdrawal - Process flow Customer’s Inputs: AADHAAR Number Amount of Cash to be Deposited/ Withdrawn Finger Print Data

Micro ATM Interbank Funds Transfer - Process flow Remitting Customer’s: Aadhaar Number Amount to be remitted Finger Print Data Beneficiary Details: Aadhaar Number

Point of Sale (PoS) Devices Master Details Transaction Alteration Order Report Utility Security

*99# (An Overview)

Works on all GSM Handset Application like interactive menu Why USSD ? Works on all GSM Handset Application like interactive menu No Application installation required More Secure than SMS Internet is not required Additional Channel Banking Accessible through common code Available on Roaming

*99# 11 Multi-lingual languages. English *99# *99*22# Hindi *99*23# Tamil *99*24# Telugu *99*25# Malayalam *99*26# Kannada *99*27# Gujarati *99*28# Marathi *99*29# Bengali *99*30# Punjabi *99*31# Assamese *99*32# Oriya

*99# Ecosystem TSP Available across all 11 GSM Telecom Service Providers (TSPs) in the country Banks 55 Banks part of service – Includes all 27 PSU Banks , 14 leading Private Sector Banks & 10 Cooperative Banks Services 8 Services Offered – Includes Banking, Non-banking and Value Added Services Coverage Available in 12 languages including English & Hindi

NUUP : Services Offered Fund Transfer (Mobile & MMID) Fund Transfer (IFSC & Account No) Fund Transfer (Aadhaar Number)* Financial Transactions Balance Enquiry Mini Statement Request MMID Generate M-PIN * & Change M-PIN Generate OTP Non-Financial Transactions Query Service on Aadhaar Mapper (*99*99#) Agent Initiated Transactions * Value Added Service * Currently not offered

Balance Inquiry

UPI- Unified Payments Interface Push and Pull Payments Virtual Address – (‘Username@PSPName’) No need to disclose Account No. & remember IFSC Code Banks – (Payment Service Provider) will provide App to customers of any bank One App for all banks Single Click 2FA MPIN or OTP for Authentication UPI for Smart Phone segment Application based USSD for feature Phone users

UPI : How to create your account ? XYZ Step 1: Download & Install your bank’s UPI app Step 2: Register yourself in app with details – Mobile No., Name, Email

You have successfully created your UPI account Step 3: Create your Virtual Password Address (VPA) Eg. xyz@123bank Step 4: Add your Bank account. Bank a/c will be fetched based on your mobile number you have linked *VPA not case sensitive – xyz@123bank same as XYZ @123bank

Transactions through UPI ABC@xyzbank ABC@xyzbank Step 2: Add VPA to whom you want to send Step 1: Go to App and Click Send Step 3: Enter amount and Send (you receive an SMS)

+ UPI App Features Self Signup Powers multiple bank accounts Single click Two Factor authentication Universal Application for transaction Safer, Secured and Innovative Virtual Private Address Accounts Balance Enquiry IMPS Fund Transfer to Account Collect Request Money Complaint Management History +

+ Mobile Banking Features Self Signup Accounts Balance Enquiry Fund transfer To Mobile / to Account Immediate Payment Service (P2P) Immediate Payment Service (P2A) Immediate Payment Service (P2M) Donations VAS Mobile Recharge +

Way Forward Merchants and kirana shops to be encouraged for use of PoS All banks to issue rupay cards to every account holder All bank accounts to be seeded with aadhaar and mapped to NPCI Mobile based (Smart phones): a) All Govt offices to have virtual id for using UPI b) encourage use of smart phones by citizens Mobile based (Feature phones): USSD with Aadhaar based security feature

Way Forward PoS in all govt touch-points (BC or merchant) PoS is workable with RuPay card and biometrics devices. Essentially we can use RuPay card or Aadhar based biometric authentication to do transactions 29,000 e-PoS machines available with Fair Price shops can be converted into Business Correspondents (BC). All MeeSeva kiosks can be converted into PoS Additional BC can be appointed (Self-Help Group)

Services – Touch Points Mode of Cashless Transation Rural & Urban Services – Touch Points Mode of Cashless Transation Business Correspondents AePS/ RuPay/ USSD / UPI Opening Bank Account via eKYC Online Transfer Deposit Withdrawal Balance Enquiry PDS Cashless/ AePS (Aadhaar enabled Payments System) Public & Private Health Centers Business Correspondents - AePS Cashless (PoS – RuPay) Unified Payment Interface (UPI) Transport RTC Bus Business Correspondents – AePS PoS - RuPay Card Common Payment Solution , Universal Payment and acceptance - Across Bus, Metro, Tolls, Auto, Taxis eWallets Private Schools PoS – RuPay Cards Business Correspondents – AePS (Fair Price Shop Dealers in rural areas) Online Payments, Deposits,Cheques, DD, UPI

Services – Touch Points Mode of Cashless Transactions Rural & Urban Services – Touch Points Mode of Cashless Transactions Mee Seva Business Correspondents – AePS / RuPay PoS – RuPay Cards Online Payments, Wallets, UPI, USSD Common Payment Solution – Universal Payment and acceptance - All C2G Transactions Land Registration Online Payments, DDs Rythu Bazaar Business Correspondents – AePS / Rupay (Fair Price shops/Fertilizer outlet dealers /NREGS Field Staff wherever possible) Common Payment Solution - Universal Payment and acceptance Milk Vendors Mobile Payments – UPI, USSD PoS – AePS & RuPay Cards Essential Commodity Dealers, FP Shop dealers PoS - Aadhaar & RuPay Cards eWallets LPG Business Correspondents/PoS – AePS / RuPay Cards Online Transactions

Services – Touch Points Mode of Cashless Transactions Rural & Urban Services – Touch Points Mode of Cashless Transactions Mandi’s / Markets Business Correspondents - AePS/ RuPay PoS – RuPay Cards Online Payment Medical Shops PoS – AePS & RuPay Cards Mobile - UPI, USSD eWallets Fertilizer Outlets Business Correspondents - AePS / RuPay AeFDS PoS - RuPay Cards, Online Payment, Cheques, DD Taxes PoS – AePS & RuPay Cards, Online Payment, Common Payment Solution – Universal Payment and acceptance - All C2G Transactions

Cash Facilitation Counters at Rythu Bazaars, Vijayawada Micro-ATMs

PoS devices with Vegetable Vendors, Vijayawada AGENTS OF CHANGE

Initiatives in Krishna District Bankers have been advised to distribute RuPay Cards to all Jan Dhan account holders All the Jan Dhan accounts to be made active irrespective of their account balance and facilitated with online and mobile transactions There is already a good network of 1243 Business Correspondents in Krishna Now 2166 Fair Price Shop dealers are added as Business Correspondents. 990 Fertilizer retail outlets will be quickly made BCs making our district with highest BC network (>4200) in the state Control Centres established in Collector’s Office and all RDO Offices at Machilipatnam, Nuzividu, Gudivada and Vijayawada to facilitate PoS devices to all merchants Banks coordinated on 24x7 basis to facilitate currency to the public Trainings on Cashless transactions conducted to Engineering Colleges, Hospitals, Merchants associations, Chambers of Commerce, Rythu Bazar vendors, Govt. officials, etc to inturn train their respective clientele, fraternity. Facilitation counters with Micro-ATMs placed in all Rythu Bazaar

Thank You Contact: Toll Free No: 1800-599-1111 COMMAND AND CONTROL CENTRES: 1. Collector’s Office: 0866-2474700/01 2. Sub-Collector’s Office, Vijayawada : 0866-2574454 3. RDO Office, Machilipatnam: 08672-252486 4. RDO Office, Gudivada: 08674-243697 5. RDO Office, Nuzividu: 08656-232717 Toll Free No: 1800-599-1111 Website: www.krishna.nic.in www.facebook.com/krishna.district.58 @Krishna_Dist