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
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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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
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

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        LATEST NEWS UPDATES | PSU banks express reservation against usage of Aadhaar number for cash-transfers -Ahona Ghosh &amp; M Rajshekhar    </title>
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-The Economic Times



The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their..."/>
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-The Economic Times



The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their..." />
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    <h1 class="cat-box-title">PSU banks express reservation against usage of Aadhaar number for cash-transfers -Ahona Ghosh &amp; M Rajshekhar</h1>
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		 Published on</span><span class="text-date"> Apr 16, 2013</span>
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                            <div align="justify">-The Economic Times</div><p align="justify"><br />The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their current systems in favour of the platform created by the Unique Identification Authority of India (UIDAI), which issues the Aadhaar number and wants to make it the basis to authenticate an individual's identity before every transaction in bank accounts into which welfare benefits are deposited.</p><p align="justify">These new lines of conflict are throwing posers to, and could even delay, what is being seen as UPA's gambit for the next general elections, due in 2014: universalise cash transfers.</p><p align="justify">The banks' reservation to the UIDAI authentication platform, built along with the National Payments Corporation of India (NPCI), a payment gateway, centres around two points. One, banks want the UIDAI to bear all liabilities related to 'false identification' -- an individual's complaint that someone else withdrew money from her bank account.</p><p align="justify">Two, UIDAI wants banks to retool their respective systems in line with its own, which is 'inter-operable' -- account holders can transact on a handheld machine of any bank, as with ATMs now. While some banks, including SBI, accept a common system is the way to go in the long run, they are questioning the need to make this shift today, particularly in the absence of safeguards that protect their interests. &quot;You will hardly find inter-operability in villages,&quot; says K Unnikrishnan, deputy chief executive of Indian Banks' Association (IBA), the lead grouping of banks.</p><p align="justify">The current impasse revolves around contingent liability in case of a false identification. &quot;Suppose we go ahead with a transaction because Aadhaar has told us that the person is the account holder, but the account-holder later tells us it was not him. Who holds the liability in such a case?&quot; asks a senior banker in SBI's financial inclusion team, not wanting to be named. &quot;Since UIDAI wants to do the authentication, it should also take on the liability.&quot;</p><p align="justify">A senior manager in UIDAI's financial inclusion team, speaking on the condition of anonymity, says the rules don't authorise UIDAI to do so. &quot;We cannot set aside money for such liabilities,&quot; he says. According to Unnikrishnan, a request made by banks to rework their agreement to address this issue has been with the UIDAI for two months.</p><p align="justify">Banks, which will have to pay to use the UIDAI-NPCI platform, are also wary of dealing with a monopoly. &quot;Who is to say they will not increase their charges? It's an extra cost for me,&quot; says a senior banker with a large PSU bank, not wanting to be named. </p><p align="justify">For now, banks are standing by their individual systems, which don't talk to each other. So, SBI has fingerprinted its account holders and does its own pre-transaction verification. Other banks have done the same. C Rajendran, executive director, Bank of Maharashtra, says the SBI model is the &quot;only viable solution&quot; for authentication till the issue of contingent liability is sorted out.</p><p align="justify">AP Hota, CEO of NPCI, says there's a massive duplication in work and costs if each bank does its own biometrics, maintains its own software and servers, and employs its own force of banking correspondents (BCs) for doorstep banking. &quot;When UIDAI has collected data and we (NPCI) have created a common platform, why should banks duplicate the effort?&quot; he asks.</p><p align="justify">The UIDAI official quoted earlier says a bank's BCs can handle transactions of its own customers (termed 'on us' transactions), but doubts their ability to handle transactions of customers of other banks (termed 'off us' transactions). The latter involves an extra step: a customer's biometrics are routed from the bank providing the infrastructure to the one with whom the customer has an account. &quot;Banks will not be able to solve it,&quot; says the UIDAI official.</p><p align="justify"> 'Off us' transactions are currently only 1-2%. SBI has done a pilot that links its system to the UIDAI-NPCI platform, but has not operationalised it because of the contingent liability issue.</p><p align="justify">There are multiple conversations and debates happening on the verification ecosystem. One proposal from the banking regulator is to let the banks have their own systems and use the UIDAI-NPCI platform for a second check.</p><p align="justify">Unnikrishnan of IBA says a migration to the UIDAI-NPCI platform is inevitable. &quot;It will happen, but there is a cost involved and it will take time,&quot; he says. Banks will have to replace the smart cards issued by them and handheld machines in circulation with new ones that are also compliant with the Aadhaar platform.</p><p align="justify">To drive the adoption of the UIDAI-NPCI platform, UIDAI is offering a 65% subsidy to banks for every Aadhaar-enabled handheld machine they buy. UIDAI will pay Rs 15,000 for every machine, which costs Rs 23,000, but only after a bank does 2,000 transactions on the device. &quot;This will ensure banks actually use the machines,&quot; says the UIDAI official.</p><p align="justify">At this time, it is not clear how the issue of contingent liability will be resolved and the impasse broken. The UIDAI official says one line of thought is to press ahead without SBI. About 20 banks have signed up with UIDAI to use the Aadhaar platform. &quot;They (the other banks) signed the agreement under pressure,&quot; says the unidentified SBI official quoted earlier. &quot;At a recent meeting, they raised more issues than us.&quot; Eventually, adds the UIDAI official, they might escalate the issue to the finance minister for resolution.</p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a" class="re" target="_blank">The Economic Times, 15 April, 2013, http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a</a><div class="clear"></div>
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    <h1 class="cat-box-title">PSU banks express reservation against usage of Aadhaar number for cash-transfers -Ahona Ghosh &amp; M Rajshekhar</h1>
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                            <div align="justify">-The Economic Times</div><p align="justify"><br />The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their current systems in favour of the platform created by the Unique Identification Authority of India (UIDAI), which issues the Aadhaar number and wants to make it the basis to authenticate an individual's identity before every transaction in bank accounts into which welfare benefits are deposited.</p><p align="justify">These new lines of conflict are throwing posers to, and could even delay, what is being seen as UPA's gambit for the next general elections, due in 2014: universalise cash transfers.</p><p align="justify">The banks' reservation to the UIDAI authentication platform, built along with the National Payments Corporation of India (NPCI), a payment gateway, centres around two points. One, banks want the UIDAI to bear all liabilities related to 'false identification' -- an individual's complaint that someone else withdrew money from her bank account.</p><p align="justify">Two, UIDAI wants banks to retool their respective systems in line with its own, which is 'inter-operable' -- account holders can transact on a handheld machine of any bank, as with ATMs now. While some banks, including SBI, accept a common system is the way to go in the long run, they are questioning the need to make this shift today, particularly in the absence of safeguards that protect their interests. &quot;You will hardly find inter-operability in villages,&quot; says K Unnikrishnan, deputy chief executive of Indian Banks' Association (IBA), the lead grouping of banks.</p><p align="justify">The current impasse revolves around contingent liability in case of a false identification. &quot;Suppose we go ahead with a transaction because Aadhaar has told us that the person is the account holder, but the account-holder later tells us it was not him. Who holds the liability in such a case?&quot; asks a senior banker in SBI's financial inclusion team, not wanting to be named. &quot;Since UIDAI wants to do the authentication, it should also take on the liability.&quot;</p><p align="justify">A senior manager in UIDAI's financial inclusion team, speaking on the condition of anonymity, says the rules don't authorise UIDAI to do so. &quot;We cannot set aside money for such liabilities,&quot; he says. According to Unnikrishnan, a request made by banks to rework their agreement to address this issue has been with the UIDAI for two months.</p><p align="justify">Banks, which will have to pay to use the UIDAI-NPCI platform, are also wary of dealing with a monopoly. &quot;Who is to say they will not increase their charges? It's an extra cost for me,&quot; says a senior banker with a large PSU bank, not wanting to be named. </p><p align="justify">For now, banks are standing by their individual systems, which don't talk to each other. So, SBI has fingerprinted its account holders and does its own pre-transaction verification. Other banks have done the same. C Rajendran, executive director, Bank of Maharashtra, says the SBI model is the &quot;only viable solution&quot; for authentication till the issue of contingent liability is sorted out.</p><p align="justify">AP Hota, CEO of NPCI, says there's a massive duplication in work and costs if each bank does its own biometrics, maintains its own software and servers, and employs its own force of banking correspondents (BCs) for doorstep banking. &quot;When UIDAI has collected data and we (NPCI) have created a common platform, why should banks duplicate the effort?&quot; he asks.</p><p align="justify">The UIDAI official quoted earlier says a bank's BCs can handle transactions of its own customers (termed 'on us' transactions), but doubts their ability to handle transactions of customers of other banks (termed 'off us' transactions). The latter involves an extra step: a customer's biometrics are routed from the bank providing the infrastructure to the one with whom the customer has an account. &quot;Banks will not be able to solve it,&quot; says the UIDAI official.</p><p align="justify"> 'Off us' transactions are currently only 1-2%. SBI has done a pilot that links its system to the UIDAI-NPCI platform, but has not operationalised it because of the contingent liability issue.</p><p align="justify">There are multiple conversations and debates happening on the verification ecosystem. One proposal from the banking regulator is to let the banks have their own systems and use the UIDAI-NPCI platform for a second check.</p><p align="justify">Unnikrishnan of IBA says a migration to the UIDAI-NPCI platform is inevitable. &quot;It will happen, but there is a cost involved and it will take time,&quot; he says. Banks will have to replace the smart cards issued by them and handheld machines in circulation with new ones that are also compliant with the Aadhaar platform.</p><p align="justify">To drive the adoption of the UIDAI-NPCI platform, UIDAI is offering a 65% subsidy to banks for every Aadhaar-enabled handheld machine they buy. UIDAI will pay Rs 15,000 for every machine, which costs Rs 23,000, but only after a bank does 2,000 transactions on the device. &quot;This will ensure banks actually use the machines,&quot; says the UIDAI official.</p><p align="justify">At this time, it is not clear how the issue of contingent liability will be resolved and the impasse broken. The UIDAI official says one line of thought is to press ahead without SBI. About 20 banks have signed up with UIDAI to use the Aadhaar platform. &quot;They (the other banks) signed the agreement under pressure,&quot; says the unidentified SBI official quoted earlier. &quot;At a recent meeting, they raised more issues than us.&quot; Eventually, adds the UIDAI official, they might escalate the issue to the finance minister for resolution.</p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a" class="re" target="_blank">The Economic Times, 15 April, 2013, http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a</a><div class="clear"></div>
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The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their..."/>
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The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their..." />
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    <h1 class="cat-box-title">PSU banks express reservation against usage of Aadhaar number for cash-transfers -Ahona Ghosh &amp; M Rajshekhar</h1>
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                            <div align="justify">-The Economic Times</div><p align="justify"><br />The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their current systems in favour of the platform created by the Unique Identification Authority of India (UIDAI), which issues the Aadhaar number and wants to make it the basis to authenticate an individual's identity before every transaction in bank accounts into which welfare benefits are deposited.</p><p align="justify">These new lines of conflict are throwing posers to, and could even delay, what is being seen as UPA's gambit for the next general elections, due in 2014: universalise cash transfers.</p><p align="justify">The banks' reservation to the UIDAI authentication platform, built along with the National Payments Corporation of India (NPCI), a payment gateway, centres around two points. One, banks want the UIDAI to bear all liabilities related to 'false identification' -- an individual's complaint that someone else withdrew money from her bank account.</p><p align="justify">Two, UIDAI wants banks to retool their respective systems in line with its own, which is 'inter-operable' -- account holders can transact on a handheld machine of any bank, as with ATMs now. While some banks, including SBI, accept a common system is the way to go in the long run, they are questioning the need to make this shift today, particularly in the absence of safeguards that protect their interests. &quot;You will hardly find inter-operability in villages,&quot; says K Unnikrishnan, deputy chief executive of Indian Banks' Association (IBA), the lead grouping of banks.</p><p align="justify">The current impasse revolves around contingent liability in case of a false identification. &quot;Suppose we go ahead with a transaction because Aadhaar has told us that the person is the account holder, but the account-holder later tells us it was not him. Who holds the liability in such a case?&quot; asks a senior banker in SBI's financial inclusion team, not wanting to be named. &quot;Since UIDAI wants to do the authentication, it should also take on the liability.&quot;</p><p align="justify">A senior manager in UIDAI's financial inclusion team, speaking on the condition of anonymity, says the rules don't authorise UIDAI to do so. &quot;We cannot set aside money for such liabilities,&quot; he says. According to Unnikrishnan, a request made by banks to rework their agreement to address this issue has been with the UIDAI for two months.</p><p align="justify">Banks, which will have to pay to use the UIDAI-NPCI platform, are also wary of dealing with a monopoly. &quot;Who is to say they will not increase their charges? It's an extra cost for me,&quot; says a senior banker with a large PSU bank, not wanting to be named. </p><p align="justify">For now, banks are standing by their individual systems, which don't talk to each other. So, SBI has fingerprinted its account holders and does its own pre-transaction verification. Other banks have done the same. C Rajendran, executive director, Bank of Maharashtra, says the SBI model is the &quot;only viable solution&quot; for authentication till the issue of contingent liability is sorted out.</p><p align="justify">AP Hota, CEO of NPCI, says there's a massive duplication in work and costs if each bank does its own biometrics, maintains its own software and servers, and employs its own force of banking correspondents (BCs) for doorstep banking. &quot;When UIDAI has collected data and we (NPCI) have created a common platform, why should banks duplicate the effort?&quot; he asks.</p><p align="justify">The UIDAI official quoted earlier says a bank's BCs can handle transactions of its own customers (termed 'on us' transactions), but doubts their ability to handle transactions of customers of other banks (termed 'off us' transactions). The latter involves an extra step: a customer's biometrics are routed from the bank providing the infrastructure to the one with whom the customer has an account. &quot;Banks will not be able to solve it,&quot; says the UIDAI official.</p><p align="justify"> 'Off us' transactions are currently only 1-2%. SBI has done a pilot that links its system to the UIDAI-NPCI platform, but has not operationalised it because of the contingent liability issue.</p><p align="justify">There are multiple conversations and debates happening on the verification ecosystem. One proposal from the banking regulator is to let the banks have their own systems and use the UIDAI-NPCI platform for a second check.</p><p align="justify">Unnikrishnan of IBA says a migration to the UIDAI-NPCI platform is inevitable. &quot;It will happen, but there is a cost involved and it will take time,&quot; he says. Banks will have to replace the smart cards issued by them and handheld machines in circulation with new ones that are also compliant with the Aadhaar platform.</p><p align="justify">To drive the adoption of the UIDAI-NPCI platform, UIDAI is offering a 65% subsidy to banks for every Aadhaar-enabled handheld machine they buy. UIDAI will pay Rs 15,000 for every machine, which costs Rs 23,000, but only after a bank does 2,000 transactions on the device. &quot;This will ensure banks actually use the machines,&quot; says the UIDAI official.</p><p align="justify">At this time, it is not clear how the issue of contingent liability will be resolved and the impasse broken. The UIDAI official says one line of thought is to press ahead without SBI. About 20 banks have signed up with UIDAI to use the Aadhaar platform. &quot;They (the other banks) signed the agreement under pressure,&quot; says the unidentified SBI official quoted earlier. &quot;At a recent meeting, they raised more issues than us.&quot; Eventually, adds the UIDAI official, they might escalate the issue to the finance minister for resolution.</p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a" class="re" target="_blank">The Economic Times, 15 April, 2013, http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a</a><div class="clear"></div>
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PSU banks express reservation against usage of Aadhaar number for cash-transfers -Ahona Ghosh & M Rajshekhar

Published on Apr 16, 2013   Modified on Apr 16, 2013

-The Economic Times The government's plan to make the Aadhaar number the centrepiece of the cash-transfer system is now facing opposition from a new quarter: banks. Several banks, led by the State Bank of India, have expressed reservation against jettisoning their current systems in favour of the platform created by the Unique Identification Authority of India (UIDAI), which issues the Aadhaar number and wants to make it the basis to authenticate an individual's identity before every transaction in bank accounts into which welfare benefits are deposited. These new lines of conflict are throwing posers to, and could even delay, what is being seen as UPA's gambit for the next general elections, due in 2014: universalise cash transfers. The banks' reservation to the UIDAI authentication platform, built along with the National Payments Corporation of India (NPCI), a payment gateway, centres around two points. One, banks want the UIDAI to bear all liabilities related to 'false identification' -- an individual's complaint that someone else withdrew money from her bank account. Two, UIDAI wants banks to retool their respective systems in line with its own, which is 'inter-operable' -- account holders can transact on a handheld machine of any bank, as with ATMs now. While some banks, including SBI, accept a common system is the way to go in the long run, they are questioning the need to make this shift today, particularly in the absence of safeguards that protect their interests. "You will hardly find inter-operability in villages," says K Unnikrishnan, deputy chief executive of Indian Banks' Association (IBA), the lead grouping of banks. The current impasse revolves around contingent liability in case of a false identification. "Suppose we go ahead with a transaction because Aadhaar has told us that the person is the account holder, but the account-holder later tells us it was not him. Who holds the liability in such a case?" asks a senior banker in SBI's financial inclusion team, not wanting to be named. "Since UIDAI wants to do the authentication, it should also take on the liability." A senior manager in UIDAI's financial inclusion team, speaking on the condition of anonymity, says the rules don't authorise UIDAI to do so. "We cannot set aside money for such liabilities," he says. According to Unnikrishnan, a request made by banks to rework their agreement to address this issue has been with the UIDAI for two months. Banks, which will have to pay to use the UIDAI-NPCI platform, are also wary of dealing with a monopoly. "Who is to say they will not increase their charges? It's an extra cost for me," says a senior banker with a large PSU bank, not wanting to be named. For now, banks are standing by their individual systems, which don't talk to each other. So, SBI has fingerprinted its account holders and does its own pre-transaction verification. Other banks have done the same. C Rajendran, executive director, Bank of Maharashtra, says the SBI model is the "only viable solution" for authentication till the issue of contingent liability is sorted out. AP Hota, CEO of NPCI, says there's a massive duplication in work and costs if each bank does its own biometrics, maintains its own software and servers, and employs its own force of banking correspondents (BCs) for doorstep banking. "When UIDAI has collected data and we (NPCI) have created a common platform, why should banks duplicate the effort?" he asks. The UIDAI official quoted earlier says a bank's BCs can handle transactions of its own customers (termed 'on us' transactions), but doubts their ability to handle transactions of customers of other banks (termed 'off us' transactions). The latter involves an extra step: a customer's biometrics are routed from the bank providing the infrastructure to the one with whom the customer has an account. "Banks will not be able to solve it," says the UIDAI official. 'Off us' transactions are currently only 1-2%. SBI has done a pilot that links its system to the UIDAI-NPCI platform, but has not operationalised it because of the contingent liability issue. There are multiple conversations and debates happening on the verification ecosystem. One proposal from the banking regulator is to let the banks have their own systems and use the UIDAI-NPCI platform for a second check. Unnikrishnan of IBA says a migration to the UIDAI-NPCI platform is inevitable. "It will happen, but there is a cost involved and it will take time," he says. Banks will have to replace the smart cards issued by them and handheld machines in circulation with new ones that are also compliant with the Aadhaar platform. To drive the adoption of the UIDAI-NPCI platform, UIDAI is offering a 65% subsidy to banks for every Aadhaar-enabled handheld machine they buy. UIDAI will pay Rs 15,000 for every machine, which costs Rs 23,000, but only after a bank does 2,000 transactions on the device. "This will ensure banks actually use the machines," says the UIDAI official. At this time, it is not clear how the issue of contingent liability will be resolved and the impasse broken. The UIDAI official says one line of thought is to press ahead without SBI. About 20 banks have signed up with UIDAI to use the Aadhaar platform. "They (the other banks) signed the agreement under pressure," says the unidentified SBI official quoted earlier. "At a recent meeting, they raised more issues than us." Eventually, adds the UIDAI official, they might escalate the issue to the finance minister for resolution.

The Economic Times, 15 April, 2013, http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/psu-banks-express-reservation-against-usage-of-aadhaar-number-for-cash-transfers/a

Tagged with: aadhaar Financial Inclusion banking UIDAI

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