Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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    <h1 class="cat-box-title">In rural India, over-reliance on digital technology has worsen financial exclusion -Rajendran Narayanan and Sakina Dhorajiwala </h1>
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		 Published on</span><span class="text-date"> Jan 6, 2021</span>
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                            <p style="text-align:justify">-The Indian Express</p><p style="text-align:justify"><em>A technological intervention must have a governance framework in which protection of rights must be fundamental and which provides more choices to the marginalised.</em></p><p style="text-align:justify">Remember the early days of the internet, when it took several minutes to connect to the web through a dial-in modem? Or when you had to wait in line at an STD booth to make an outstation call? Since then, we have made massive strides in digital technologies. Improvements in internet banking mean that a buffet of products are available at the fingertips of consumers. But imagine if one had to travel miles and wait for several hours to make one banking transaction. This is a reality for the vast majority of the rural populace. In rural India, an over-reliance on digital technology alone has widened the distance between the rights holder and their entitlements. This is exemplified in the pursuit of financial inclusion.</p><p style="text-align:justify">The Direct Benefits Transfer (DBT) initiative is a technology induced step in improving financial inclusion among other stated goals. Although DBT has been operational since 2011, it has become synonymous with the Aadhaar Payments Bridge Systems (APBS) since 2015.</p><p style="text-align:justify">Various government programmes such as maternity entitlements, student scholarships, wages for MGNREGA workers fall under the DBT initiative where money is transferred to the bank accounts of the respective beneficiaries. But the beneficiaries face many hurdles in accessing their money. These are referred to as &ldquo;last mile challenges&rdquo;. To deal with these, banking kiosks known as Customer Service Points (CSP) and Banking Correspondents (BC) were promoted. These are private individuals who offer banking services through the Aadhaar Enabled Payment Systems (AePS). Subject to network connectivity and electricity, beneficiaries can perform basic banking transactions such as small deposits and withdrawals at these kiosks.</p><p style="text-align:justify">Please <a href="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/" title="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/">click here</a> to read more.</p>                                                           
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    <br><a href="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/" class="re" target="_blank">The Indian Express, 6 January, 2021, https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/</a><div class="clear"></div>
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    <h1 class="cat-box-title">In rural India, over-reliance on digital technology has worsen financial exclusion -Rajendran Narayanan and Sakina Dhorajiwala </h1>
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                            <p style="text-align:justify">-The Indian Express</p><p style="text-align:justify"><em>A technological intervention must have a governance framework in which protection of rights must be fundamental and which provides more choices to the marginalised.</em></p><p style="text-align:justify">Remember the early days of the internet, when it took several minutes to connect to the web through a dial-in modem? Or when you had to wait in line at an STD booth to make an outstation call? Since then, we have made massive strides in digital technologies. Improvements in internet banking mean that a buffet of products are available at the fingertips of consumers. But imagine if one had to travel miles and wait for several hours to make one banking transaction. This is a reality for the vast majority of the rural populace. In rural India, an over-reliance on digital technology alone has widened the distance between the rights holder and their entitlements. This is exemplified in the pursuit of financial inclusion.</p><p style="text-align:justify">The Direct Benefits Transfer (DBT) initiative is a technology induced step in improving financial inclusion among other stated goals. Although DBT has been operational since 2011, it has become synonymous with the Aadhaar Payments Bridge Systems (APBS) since 2015.</p><p style="text-align:justify">Various government programmes such as maternity entitlements, student scholarships, wages for MGNREGA workers fall under the DBT initiative where money is transferred to the bank accounts of the respective beneficiaries. But the beneficiaries face many hurdles in accessing their money. These are referred to as &ldquo;last mile challenges&rdquo;. To deal with these, banking kiosks known as Customer Service Points (CSP) and Banking Correspondents (BC) were promoted. These are private individuals who offer banking services through the Aadhaar Enabled Payment Systems (AePS). Subject to network connectivity and electricity, beneficiaries can perform basic banking transactions such as small deposits and withdrawals at these kiosks.</p><p style="text-align:justify">Please <a href="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/" title="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/">click here</a> to read more.</p>                                                           
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    <br><a href="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/" class="re" target="_blank">The Indian Express, 6 January, 2021, https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/</a><div class="clear"></div>
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A technological intervention must have a governance framework in which protection of rights must be fundamental and which provides more choices to the marginalised.

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    <h1 class="cat-box-title">In rural India, over-reliance on digital technology has worsen financial exclusion -Rajendran Narayanan and Sakina Dhorajiwala </h1>
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                            <p style="text-align:justify">-The Indian Express</p><p style="text-align:justify"><em>A technological intervention must have a governance framework in which protection of rights must be fundamental and which provides more choices to the marginalised.</em></p><p style="text-align:justify">Remember the early days of the internet, when it took several minutes to connect to the web through a dial-in modem? Or when you had to wait in line at an STD booth to make an outstation call? Since then, we have made massive strides in digital technologies. Improvements in internet banking mean that a buffet of products are available at the fingertips of consumers. But imagine if one had to travel miles and wait for several hours to make one banking transaction. This is a reality for the vast majority of the rural populace. In rural India, an over-reliance on digital technology alone has widened the distance between the rights holder and their entitlements. This is exemplified in the pursuit of financial inclusion.</p><p style="text-align:justify">The Direct Benefits Transfer (DBT) initiative is a technology induced step in improving financial inclusion among other stated goals. Although DBT has been operational since 2011, it has become synonymous with the Aadhaar Payments Bridge Systems (APBS) since 2015.</p><p style="text-align:justify">Various government programmes such as maternity entitlements, student scholarships, wages for MGNREGA workers fall under the DBT initiative where money is transferred to the bank accounts of the respective beneficiaries. But the beneficiaries face many hurdles in accessing their money. These are referred to as &ldquo;last mile challenges&rdquo;. To deal with these, banking kiosks known as Customer Service Points (CSP) and Banking Correspondents (BC) were promoted. These are private individuals who offer banking services through the Aadhaar Enabled Payment Systems (AePS). Subject to network connectivity and electricity, beneficiaries can perform basic banking transactions such as small deposits and withdrawals at these kiosks.</p><p style="text-align:justify">Please <a href="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/" title="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/">click here</a> to read more.</p>                                                           
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    <br><a href="https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/" class="re" target="_blank">The Indian Express, 6 January, 2021, https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/</a><div class="clear"></div>
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In rural India, over-reliance on digital technology has worsen financial exclusion -Rajendran Narayanan and Sakina Dhorajiwala

Published on Jan 6, 2021   Modified on Jan 6, 2021

-The Indian Express A technological intervention must have a governance framework in which protection of rights must be fundamental and which provides more choices to the marginalised. Remember the early days of the internet, when it took several minutes to connect to the web through a dial-in modem? Or when you had to wait in line at an STD booth to make an outstation call? Since then, we have made massive strides in digital technologies. Improvements in internet banking mean that a buffet of products are available at the fingertips of consumers. But imagine if one had to travel miles and wait for several hours to make one banking transaction. This is a reality for the vast majority of the rural populace. In rural India, an over-reliance on digital technology alone has widened the distance between the rights holder and their entitlements. This is exemplified in the pursuit of financial inclusion. The Direct Benefits Transfer (DBT) initiative is a technology induced step in improving financial inclusion among other stated goals. Although DBT has been operational since 2011, it has become synonymous with the Aadhaar Payments Bridge Systems (APBS) since 2015. Various government programmes such as maternity entitlements, student scholarships, wages for MGNREGA workers fall under the DBT initiative where money is transferred to the bank accounts of the respective beneficiaries. But the beneficiaries face many hurdles in accessing their money. These are referred to as “last mile challenges”. To deal with these, banking kiosks known as Customer Service Points (CSP) and Banking Correspondents (BC) were promoted. These are private individuals who offer banking services through the Aadhaar Enabled Payment Systems (AePS). Subject to network connectivity and electricity, beneficiaries can perform basic banking transactions such as small deposits and withdrawals at these kiosks. Please click here to read more.

The Indian Express, 6 January, 2021, https://indianexpress.com/article/opinion/how-over-reliance-on-tech-worsens-financial-exclusion-in-rural-india-7134424/

Tagged with: Aadhaar Enabled Payment Systems Aadhaar Payments Bridge Systems Banking Correspondents Customer Service Points DBT Direct Benefits Transfer MGNREGA MGNREGS

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