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: 73
 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::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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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: 74
 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::printArticle() - APP/Controller/ArtileDetailController.php, line 74
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 88
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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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67efb4655f16e-trace').style.display = (document.getElementById('cakeErr67efb4655f16e-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67efb4655f16e-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67efb4655f16e-code').style.display = (document.getElementById('cakeErr67efb4655f16e-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67efb4655f16e-context').style.display = (document.getElementById('cakeErr67efb4655f16e-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67efb4655f16e-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
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</span></code></span>
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;
&lt;/p&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;
&lt;/p&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The plan will take a &amp;ldquo;low-cost, high-volume revenue&amp;rdquo; approach, with a large number of small transactions from poor clients.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&amp;rsquo;t right now, which I think is a fair assumption,&amp;rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &amp;ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&amp;rdquo; &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;UID will &amp;ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&amp;rdquo;, Mukhopadhyay added.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Banks&amp;rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. &lt;/font&gt;
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India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;font &gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;The plan will take a &amp;ldquo;low-cost, high-volume revenue&amp;rdquo; approach, with a large number of small transactions from poor clients.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;&amp;ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&amp;rsquo;t right now, which I think is a fair assumption,&amp;rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &amp;ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&amp;rdquo; &lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;UID will &amp;ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&amp;rdquo;, Mukhopadhyay added.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;Banks&amp;rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.&lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. &lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. &lt;/font&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;font &gt;&lt;br /&gt;&amp;nbsp;&lt;br /&gt;&lt;/font&gt;&lt;/p&gt;&#039;,
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;
&lt;/p&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The plan will take a &amp;ldquo;low-cost, high-volume revenue&amp;rdquo; approach, with a large number of small transactions from poor clients.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&amp;rsquo;t right now, which I think is a fair assumption,&amp;rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &amp;ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&amp;rdquo; &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;UID will &amp;ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&amp;rdquo;, Mukhopadhyay added.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Banks&amp;rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. &lt;/font&gt;
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India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the...&#039;
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                <strong>UID to bring banking to the poor by Karen Leigh</strong></h1>
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                <p align="justify"><br /><font >India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font></p><p align="justify"><font >Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.</font></p><p align="justify"><font >Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&rsquo;s Kapashera area, is an example. </font></p><p align="justify"><font >The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. </font></p><p align="justify"><font >Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font></p><p align="justify"><font >&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font></p><p align="justify"><font >The plan will take a &ldquo;low-cost, high-volume revenue&rdquo; approach, with a large number of small transactions from poor clients.</font></p><p align="justify"><font >&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font></p><p align="justify"><font >UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font></p><p align="justify"><font >This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font></p><p align="justify"><font >Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.</font></p><p align="justify"><font >In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font></p><p align="justify"><font >These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font></p><p align="justify"><font >Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font></p><p align="justify"><font >The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font></p><p align="justify"><font >The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. </font></p><p align="justify"><font ><br />&nbsp;<br /></font></p>               </font>
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;
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	&#039;title&#039; =&gt; &#039;UID to bring banking to the poor by Karen Leigh&#039;,
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The plan will take a &amp;ldquo;low-cost, high-volume revenue&amp;rdquo; approach, with a large number of small transactions from poor clients.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&amp;rsquo;t right now, which I think is a fair assumption,&amp;rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &amp;ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&amp;rdquo; &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;UID will &amp;ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&amp;rdquo;, Mukhopadhyay added.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Banks&amp;rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
&lt;/font&gt;
&lt;/p&gt;
&#039;,
	&#039;credit_writer&#039; =&gt; &#039;Live Mint, 25 April, 2010, http://www.livemint.com/2010/04/25220121/UID-to-bring-banking-to-the-po.html&#039;,
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India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the...&#039;
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                <strong>UID to bring banking to the poor by Karen Leigh</strong></h1>
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                <p align="justify"><br /><font >India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font></p><p align="justify"><font >Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.</font></p><p align="justify"><font >Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&rsquo;s Kapashera area, is an example. </font></p><p align="justify"><font >The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. </font></p><p align="justify"><font >Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font></p><p align="justify"><font >&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font></p><p align="justify"><font >The plan will take a &ldquo;low-cost, high-volume revenue&rdquo; approach, with a large number of small transactions from poor clients.</font></p><p align="justify"><font >&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font></p><p align="justify"><font >UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font></p><p align="justify"><font >This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font></p><p align="justify"><font >Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.</font></p><p align="justify"><font >In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font></p><p align="justify"><font >These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font></p><p align="justify"><font >Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font></p><p align="justify"><font >The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font></p><p align="justify"><font >The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. </font></p><p align="justify"><font ><br />&nbsp;<br /></font></p>               </font>
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The plan will take a &amp;ldquo;low-cost, high-volume revenue&amp;rdquo; approach, with a large number of small transactions from poor clients.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&amp;rsquo;t right now, which I think is a fair assumption,&amp;rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &amp;ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&amp;rdquo; &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;UID will &amp;ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&amp;rdquo;, Mukhopadhyay added.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Banks&amp;rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. &lt;/font&gt;
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India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the...&#039;,
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;India&amp;rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&amp;rsquo;s Kapashera area, is an example. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. &lt;/font&gt;
&lt;/p&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Once issued, UID will offer tamper-proof identity verification and eliminate banks&amp;rsquo; need to run costly fraud checks, one reason why they don&amp;rsquo;t take on customers such as Sheikh, the report said.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&amp;rdquo; it added.&lt;/font&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The plan will take a &amp;ldquo;low-cost, high-volume revenue&amp;rdquo; approach, with a large number of small transactions from poor clients.&lt;/font&gt;
&lt;/p&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;&amp;ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&amp;rsquo;t right now, which I think is a fair assumption,&amp;rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &amp;ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&amp;rdquo; &lt;/font&gt;
&lt;/p&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;UID will &amp;ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&amp;rdquo;, Mukhopadhyay added.&lt;/font&gt;
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                <strong>UID to bring banking to the poor by Karen Leigh</strong></h1>
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                <p align="justify"><br /><font >India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font></p><p align="justify"><font >Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.</font></p><p align="justify"><font >Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&rsquo;s Kapashera area, is an example. </font></p><p align="justify"><font >The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. </font></p><p align="justify"><font >Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font></p><p align="justify"><font >&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font></p><p align="justify"><font >The plan will take a &ldquo;low-cost, high-volume revenue&rdquo; approach, with a large number of small transactions from poor clients.</font></p><p align="justify"><font >&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font></p><p align="justify"><font >UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font></p><p align="justify"><font >This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font></p><p align="justify"><font >Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.</font></p><p align="justify"><font >In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font></p><p align="justify"><font >These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font></p><p align="justify"><font >Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font></p><p align="justify"><font >The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font></p><p align="justify"><font >The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. </font></p><p align="justify"><font ><br />&nbsp;<br /></font></p>               </font>
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<font face="arial,helvetica,sans-serif" size="3">India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font>
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<font face="arial,helvetica,sans-serif" size="3">Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font>
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<font face="arial,helvetica,sans-serif" size="3">&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font>
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<font face="arial,helvetica,sans-serif" size="3">&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font>
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<font face="arial,helvetica,sans-serif" size="3">UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font>
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<font face="arial,helvetica,sans-serif" size="3">This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font>
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<font face="arial,helvetica,sans-serif" size="3">In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font>
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<font face="arial,helvetica,sans-serif" size="3">These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font>
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<font face="arial,helvetica,sans-serif" size="3">Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font>
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<font face="arial,helvetica,sans-serif" size="3">The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font>
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	'disp' => '<p align="justify"><br /><font >India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font></p><p align="justify"><font >Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.</font></p><p align="justify"><font >Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&rsquo;s Kapashera area, is an example. </font></p><p align="justify"><font >The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. </font></p><p align="justify"><font >Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font></p><p align="justify"><font >&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font></p><p align="justify"><font >The plan will take a &ldquo;low-cost, high-volume revenue&rdquo; approach, with a large number of small transactions from poor clients.</font></p><p align="justify"><font >&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font></p><p align="justify"><font >UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font></p><p align="justify"><font >This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font></p><p align="justify"><font >Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.</font></p><p align="justify"><font >In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font></p><p align="justify"><font >These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font></p><p align="justify"><font >Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font></p><p align="justify"><font >The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font></p><p align="justify"><font >The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. </font></p><p align="justify"><font ><br />&nbsp;<br /></font></p>',
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<br />
<font face="arial,helvetica,sans-serif" size="3">India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&rsquo;s Kapashera area, is an example. </font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. </font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">The plan will take a &ldquo;low-cost, high-volume revenue&rdquo; approach, with a large number of small transactions from poor clients.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. </font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3"><br />
&nbsp;<br />
</font>
</p>
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India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the...'
$disp = '<p align="justify"><br /><font >India&rsquo;s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project.</font></p><p align="justify"><font >Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity.</font></p><p align="justify"><font >Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi&rsquo;s Kapashera area, is an example. </font></p><p align="justify"><font >The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. </font></p><p align="justify"><font >Once issued, UID will offer tamper-proof identity verification and eliminate banks&rsquo; need to run costly fraud checks, one reason why they don&rsquo;t take on customers such as Sheikh, the report said.</font></p><p align="justify"><font >&ldquo;As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,&rdquo; it added.</font></p><p align="justify"><font >The plan will take a &ldquo;low-cost, high-volume revenue&rdquo; approach, with a large number of small transactions from poor clients.</font></p><p align="justify"><font >&ldquo;The assumption is that there is a sufficient number of people who want to open bank accounts but can&rsquo;t right now, which I think is a fair assumption,&rdquo; said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. &ldquo;A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.&rdquo; </font></p><p align="justify"><font >UID will &ldquo;be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts&rdquo;, Mukhopadhyay added.</font></p><p align="justify"><font >This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking.</font></p><p align="justify"><font >Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said.</font></p><p align="justify"><font >In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID.</font></p><p align="justify"><font >These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said.</font></p><p align="justify"><font >Banks&rsquo; cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said.</font></p><p align="justify"><font >The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. </font></p><p align="justify"><font >The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd. </font></p><p align="justify"><font ><br />&nbsp;<br /></font></p>'
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UID to bring banking to the poor by Karen Leigh

India’s plan to offer unique identity (UID) cards to all citizens will bring a range of banking services within reach of millions of poor who currently cannot even open a bank account, says a report released on Friday by the Unique Identification Authority of India (UIDAI), which is executing the project. Facilities such as microfinance are beyond the reach of many poor people in both towns and villages who do not have documentary proof of their identity. Rashid ul Sheikh, a migrant mason who lives with three workers in a single room in Delhi’s Kapashera area, is an example. The report says he gives his wages to his landlord for safekeeping because theft is rampant in his neighbourhood. The landlord charges him a 10% fee. Once issued, UID will offer tamper-proof identity verification and eliminate banks’ need to run costly fraud checks, one reason why they don’t take on customers such as Sheikh, the report said. “As a result, banks will be able to scale up their branch-less banking deployments and reach out to a wider population at a lower cost,” it added. The plan will take a “low-cost, high-volume revenue” approach, with a large number of small transactions from poor clients. “The assumption is that there is a sufficient number of people who want to open bank accounts but can’t right now, which I think is a fair assumption,” said Partha Mukhopadhyay, senior fellow at the Centre for Policy Research. “A lot of very poor people still have savings, so they might want to open an account... If you have a UID, a bank can check that UID and verify that you are who you (claim you) are and can go ahead and open that account for you.” UID will “be able to increase banking reach in that sense. And it will hopefully eliminate difficulty that certain classes of people have in opening bank accounts”, Mukhopadhyay added. This will also be crucial for establishing a universal microfinance network and improving the access of the poor to technologies such as mobile phone banking. Customers in rural areas will be able to interact electronically with their bankers, cutting down on transaction costs, the report said. In rural areas, measures such as the recent expansion of so-called business correspondents of the banks to include mom-and-pop stores, petrol pumps and self-help groups will also benefit from UID. These correspondents will be able to network with a larger number of people and bring them under the banking net. The presence of more than one business correspondent in a village will also cut down on corruption, improving the quality of life and the financial security of the poor, the report said. Banks’ cooperation with regulators and the government is crucial for the successful implementation of a microfinance system, it said. The UIDAI project seeks to provide at least 600 million citizens with UID based on their location and biometrics, beginning in February 2011. The effort is being spearheaded by Nandan Nilekani, co-founder of Infosys Technologies Ltd.