best ict for fi

8/3/2019 Best ICT for FI

1/18

ICT For Financial Inclusion


2/18

Centralized Backend Systems

CentralizedBackendSystems

Core BankingSystem

CardPersonlization

KeyManagement

System

KaamgaarShakti Web-

Portal

KaamgaarShakti

Database

IntermediateServers

LoadBalancers

Application,

DatabaseServers

PaymentGateway, SSL,PKI, Firewalls

etc.


3/18

Before & After Implementation


4/18

Data Collection & De-duplication

Registration of

workers

A self-

declarationaffirminghe/she is aworker in

unorganized sector

Population

assessmentof labordominatedpockets &industrial

belts

Awareness&

Sensitization Camps

DataCollection

Camps

DataValidationfrom

employer/

department

DataScrutiny &

de-duplication
http://c/Users/user/Desktop/OLD%20BACK%20UP/c%20data/Documents%20and%20Settings/kavita/My%20Documents/Kavita%20Gupta/Desktop/3%20-%20Data%20Collection.avi


5/18

Issuance of Labour Bank Cards

One single card labour card, bank

a/c card

Information on card:

Biometric details

Beneficiary personal information &

photo printed on the card Should retrieve all beneficiary

related history & information once

in contact with the labour

department handheld/system

Work as ATM Debit card / no frills

a/c bank card


6/18

Quality Data Capture Process

Awareness

Population assessment

Queue Management

Data management &Cleaning

Skill TrainingQuality Data

Collection


7/18

Data Collection & Validation Process

Block level

Panchayat Level

Village level

Municipal level

Planning

Objectives andbenefits of project

Data collection process

Awareness Textual information

Photo Capture

Optional Biometricdata capture ?

Data Validation

Data Collection

& Validation

Data transferred tocentral data center viaback office processing

Data Transfer


8/18

Data Collection

Challenges

Data Collection Milestones

Duplicate registrations

Low Beneficiary turnout

Lack of infrastructure

Lack of security for ground

staff Misinformation about

project motives

Vested Interests

Lack of skilled manpower

Non-availability of power

Collection of verified textual &

photo data as per set timeline

De-duplication of database as

per AFIS (Automated Fingerprint

Identification System) norms ? Card creation, personalization

and distribution of cards to

beneficiaries as per set timeline

Activation of beneficiary

accounts on Webportal &creation of bank accounts


9/18

Interfacing with Banks

Bank account opening for all labor

Secure Payment gateways, integration with banks

Payment of wages, ESI, PF etc. integrated into

webportal; simultaneously to actual payments intobank accounts, ESI accounts, PF accounts

MIS reports and automatic alerts regarding

payments


10/18

Bank Account Opening

TSP collectsinformation on Bankopening form (KYCnorms)

TSP fills information

Data Collection

Bank representativewitnesses theprocess onsite andprovides receipt toeach beneficiary

Verification &Report

Bank representativesubmits all forms of aparticularblock/village/municipality to the bank

Form Submissionat Bank

Bank Opens Account

Bank InformsAccount holders ofAccount Information

Account Opening


11/18

Process Architecture Bank Account

Opening


12/18

Bank Account Opening

Financial Inclusion Server (Intermediate Server)

Centralized Data Centre

& Card Printing


13/18

Bank Accounts Banking to ensure availability of banking & payment

services to entire population without discrimination

Creation of No Frills account with zero balance ,

Bussiness Correspondent services Ensure payment of minimum wages & other labor dues


14/18

Security Features

Secure Socket Layer

(SSL)

Secure Electronic

Transaction (SET)

Public Key

Infrastructure (PKI)

Hardware Firewalls

User based Access

Control


15/18

Mahashramm Card

One single card labour card, bank a/c card

Information on card:

1. Photo data & (Biometric details ?)

2. Beneficiary personal information & nominee details

3. Should retrieve all beneficiary related history &

information once in contact with the labour

department system4. Work as ATM Debit card / no frills a/c bank card


16/18

Why Biometric ?

De-duplication technology

Secure Attendance (as and when required

by the employer)

Inter-operability between govt. systems

including UID

Verification of Identity especially at the time

of drawing claims eg. ESI & PF


17/18

Facilitating Grievance Redressal

Web based Grievance redressal mechanism with tracking

number

Online processing of complaints

Forwarding of complaints to respective departments, shops &

establishments

Labor can view his payments, ESI, PF etc. on the web


18/18

THANK YOU