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\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\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
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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

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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        LATEST NEWS UPDATES | Will the ‘Jan’ get their ‘Dhan’? -Akansha Yadav &amp; Sowmya Kidambi    </title>
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-The Hindu Business Line


&nbsp;


Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility


The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening..."/>
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-The Hindu Business Line


&nbsp;


Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility


The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening..." />
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    <h1 class="cat-box-title">Will the ‘Jan’ get their ‘Dhan’? -Akansha Yadav &amp; Sowmya Kidambi</h1>
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                            <div align="justify">-The Hindu Business Line</div><p align="justify">&nbsp;</p><p align="justify"><em>Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility</em></p><p align="justify">The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening bank accounts. In 2006, the Reserve of India, recognising that a majority of rural Indians had little or no access to banking services, allowed banks to use third-party, non-bank agents to extend their services right to people's doorsteps.</p><p align="justify">It recently issued draft guidelines for those seeking a license to set up a payments or small banks as part of its efforts to expand banking services to more households.</p><p align="justify">While these are welcome steps, it would be prudent to look at the existing experiences of beneficiaries and service providers with respect to large-scale social schemes such as MGNREGA and Social Security Pensions, including those through bank accounts. In 2013-14 alone, unpaid wages under MNREGA amounted to 4,800 crore (according to the official data).</p><p align="justify">Banking correspondents (BCs) and branch post masters (BPMs) who work as extensions of banks and post offices respectively, provide banking services, particularly cash.</p><p align="justify">While these third parties have been envisaged to function as an ultra small branch, their lack of financial discipline, record maintenance and capacity to disburse wages on a large scale brings in opportunities for deviation, as seen in social audits in Andhra Pradesh.</p><p align="justify"><em>The cash gap</em></p><p align="justify">In a regular banking set-up, reconciliation of accounts occurs on a daily basis; post offices keep track of cash flow through passbooks. But here, BCs and BPMs withdraw the requisite amount from the banks and carry huge volumes of cash in bags to distribute to the beneficiaries.</p><p align="justify">The cash remains idle with them in their homes until it is dispensed. There have been cases of people running away with the money or faking burglaries.</p><p align="justify">Wage-seekers have consistently reported that they are sometimes not paid for weeks and months. The BCs, CSPs (community service providers) and VOs (village organisations) keep deferring payment, saying the cash has not arrived, and often pay less than the entitlement.</p><p align="justify">Thus, despite money being credited to the bank accounts of the beneficiaries, the core challenges remain. Cash payments have been replaced by biometric payments. Often the biometric system does not offer a match or recognise the fingerprints of the wage-seekers as their fingers are calloused due to rigorous manual labour. In such cases, people are either turned away or manual override is exercised through a one-time password (OTP) and another layer of human intervention is added to disburse wages.</p><p align="justify"><em>Plain manipulation</em></p><p align="justify">There have also been cases of service providers who manipulate the system to pocket money by taking authentication on the point of sale (POS) machines from the wage-seekers, but making excuses such as lack of mobile connectivity or unavailability of cash.</p><p align="justify">Or they take multiple fingerprints claiming the system has not registered the same, hence avoiding payment.</p><p align="justify">In reality, once the fingerprint has been taken, authentication gets done and the system shows payment as completed. Both banks and the postal department use fingerprint authentication to acknowledge payments have been made; yet they simultaneously refuse to accept that the labourer has been cheated. There is also a practice of taking single biometric authentication for multiple weeks of payments. This makes it impossible for the labourers who are unlettered to understand how many weeks of payment they are receiving or are supposed to receive.</p><p align="justify">Opening bank accounts does not guarantee that the money will reach the beneficiaries. Therefore, the issue of that last mile delivery needs to be addressed.</p><p align="justify">Governor Raghuram Rajan should shift the focus from merely distribution of currency to monitoring whether payment agencies are delivering and holding them accountable. To give &lsquo;jan-dhan' real meaning, the payment system should be made more transparent, accountable and robust, which factors in grassroots issues.</p><p align="justify"><em>The writers are with the Society for Social Audit, Accountability &amp; Transparency, governments of Andhra Pradesh and Telangana </em></p>                                                           
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    <br><a href="http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true" class="re" target="_blank">The Hindu Business Line, 25 September, 2014, http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true</a><div class="clear"></div>
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Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility


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    <h1 class="cat-box-title">Will the ‘Jan’ get their ‘Dhan’? -Akansha Yadav &amp; Sowmya Kidambi</h1>
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                            <div align="justify">-The Hindu Business Line</div><p align="justify">&nbsp;</p><p align="justify"><em>Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility</em></p><p align="justify">The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening bank accounts. In 2006, the Reserve of India, recognising that a majority of rural Indians had little or no access to banking services, allowed banks to use third-party, non-bank agents to extend their services right to people's doorsteps.</p><p align="justify">It recently issued draft guidelines for those seeking a license to set up a payments or small banks as part of its efforts to expand banking services to more households.</p><p align="justify">While these are welcome steps, it would be prudent to look at the existing experiences of beneficiaries and service providers with respect to large-scale social schemes such as MGNREGA and Social Security Pensions, including those through bank accounts. In 2013-14 alone, unpaid wages under MNREGA amounted to 4,800 crore (according to the official data).</p><p align="justify">Banking correspondents (BCs) and branch post masters (BPMs) who work as extensions of banks and post offices respectively, provide banking services, particularly cash.</p><p align="justify">While these third parties have been envisaged to function as an ultra small branch, their lack of financial discipline, record maintenance and capacity to disburse wages on a large scale brings in opportunities for deviation, as seen in social audits in Andhra Pradesh.</p><p align="justify"><em>The cash gap</em></p><p align="justify">In a regular banking set-up, reconciliation of accounts occurs on a daily basis; post offices keep track of cash flow through passbooks. But here, BCs and BPMs withdraw the requisite amount from the banks and carry huge volumes of cash in bags to distribute to the beneficiaries.</p><p align="justify">The cash remains idle with them in their homes until it is dispensed. There have been cases of people running away with the money or faking burglaries.</p><p align="justify">Wage-seekers have consistently reported that they are sometimes not paid for weeks and months. The BCs, CSPs (community service providers) and VOs (village organisations) keep deferring payment, saying the cash has not arrived, and often pay less than the entitlement.</p><p align="justify">Thus, despite money being credited to the bank accounts of the beneficiaries, the core challenges remain. Cash payments have been replaced by biometric payments. Often the biometric system does not offer a match or recognise the fingerprints of the wage-seekers as their fingers are calloused due to rigorous manual labour. In such cases, people are either turned away or manual override is exercised through a one-time password (OTP) and another layer of human intervention is added to disburse wages.</p><p align="justify"><em>Plain manipulation</em></p><p align="justify">There have also been cases of service providers who manipulate the system to pocket money by taking authentication on the point of sale (POS) machines from the wage-seekers, but making excuses such as lack of mobile connectivity or unavailability of cash.</p><p align="justify">Or they take multiple fingerprints claiming the system has not registered the same, hence avoiding payment.</p><p align="justify">In reality, once the fingerprint has been taken, authentication gets done and the system shows payment as completed. Both banks and the postal department use fingerprint authentication to acknowledge payments have been made; yet they simultaneously refuse to accept that the labourer has been cheated. There is also a practice of taking single biometric authentication for multiple weeks of payments. This makes it impossible for the labourers who are unlettered to understand how many weeks of payment they are receiving or are supposed to receive.</p><p align="justify">Opening bank accounts does not guarantee that the money will reach the beneficiaries. Therefore, the issue of that last mile delivery needs to be addressed.</p><p align="justify">Governor Raghuram Rajan should shift the focus from merely distribution of currency to monitoring whether payment agencies are delivering and holding them accountable. To give &lsquo;jan-dhan' real meaning, the payment system should be made more transparent, accountable and robust, which factors in grassroots issues.</p><p align="justify"><em>The writers are with the Society for Social Audit, Accountability &amp; Transparency, governments of Andhra Pradesh and Telangana </em></p>                                                           
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    <br><a href="http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true" class="re" target="_blank">The Hindu Business Line, 25 September, 2014, http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true</a><div class="clear"></div>
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                            <div align="justify">-The Hindu Business Line</div><p align="justify">&nbsp;</p><p align="justify"><em>Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility</em></p><p align="justify">The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening bank accounts. In 2006, the Reserve of India, recognising that a majority of rural Indians had little or no access to banking services, allowed banks to use third-party, non-bank agents to extend their services right to people's doorsteps.</p><p align="justify">It recently issued draft guidelines for those seeking a license to set up a payments or small banks as part of its efforts to expand banking services to more households.</p><p align="justify">While these are welcome steps, it would be prudent to look at the existing experiences of beneficiaries and service providers with respect to large-scale social schemes such as MGNREGA and Social Security Pensions, including those through bank accounts. In 2013-14 alone, unpaid wages under MNREGA amounted to 4,800 crore (according to the official data).</p><p align="justify">Banking correspondents (BCs) and branch post masters (BPMs) who work as extensions of banks and post offices respectively, provide banking services, particularly cash.</p><p align="justify">While these third parties have been envisaged to function as an ultra small branch, their lack of financial discipline, record maintenance and capacity to disburse wages on a large scale brings in opportunities for deviation, as seen in social audits in Andhra Pradesh.</p><p align="justify"><em>The cash gap</em></p><p align="justify">In a regular banking set-up, reconciliation of accounts occurs on a daily basis; post offices keep track of cash flow through passbooks. But here, BCs and BPMs withdraw the requisite amount from the banks and carry huge volumes of cash in bags to distribute to the beneficiaries.</p><p align="justify">The cash remains idle with them in their homes until it is dispensed. There have been cases of people running away with the money or faking burglaries.</p><p align="justify">Wage-seekers have consistently reported that they are sometimes not paid for weeks and months. The BCs, CSPs (community service providers) and VOs (village organisations) keep deferring payment, saying the cash has not arrived, and often pay less than the entitlement.</p><p align="justify">Thus, despite money being credited to the bank accounts of the beneficiaries, the core challenges remain. Cash payments have been replaced by biometric payments. Often the biometric system does not offer a match or recognise the fingerprints of the wage-seekers as their fingers are calloused due to rigorous manual labour. In such cases, people are either turned away or manual override is exercised through a one-time password (OTP) and another layer of human intervention is added to disburse wages.</p><p align="justify"><em>Plain manipulation</em></p><p align="justify">There have also been cases of service providers who manipulate the system to pocket money by taking authentication on the point of sale (POS) machines from the wage-seekers, but making excuses such as lack of mobile connectivity or unavailability of cash.</p><p align="justify">Or they take multiple fingerprints claiming the system has not registered the same, hence avoiding payment.</p><p align="justify">In reality, once the fingerprint has been taken, authentication gets done and the system shows payment as completed. Both banks and the postal department use fingerprint authentication to acknowledge payments have been made; yet they simultaneously refuse to accept that the labourer has been cheated. There is also a practice of taking single biometric authentication for multiple weeks of payments. This makes it impossible for the labourers who are unlettered to understand how many weeks of payment they are receiving or are supposed to receive.</p><p align="justify">Opening bank accounts does not guarantee that the money will reach the beneficiaries. Therefore, the issue of that last mile delivery needs to be addressed.</p><p align="justify">Governor Raghuram Rajan should shift the focus from merely distribution of currency to monitoring whether payment agencies are delivering and holding them accountable. To give &lsquo;jan-dhan' real meaning, the payment system should be made more transparent, accountable and robust, which factors in grassroots issues.</p><p align="justify"><em>The writers are with the Society for Social Audit, Accountability &amp; Transparency, governments of Andhra Pradesh and Telangana </em></p>                                                           
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    <br><a href="http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true" class="re" target="_blank">The Hindu Business Line, 25 September, 2014, http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true</a><div class="clear"></div>
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Home हिन्दी

Will the ‘Jan’ get their ‘Dhan’? -Akansha Yadav & Sowmya Kidambi

Published on Sep 28, 2014   Modified on Sep 28, 2014

-The Hindu Business Line   Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening bank accounts. In 2006, the Reserve of India, recognising that a majority of rural Indians had little or no access to banking services, allowed banks to use third-party, non-bank agents to extend their services right to people's doorsteps. It recently issued draft guidelines for those seeking a license to set up a payments or small banks as part of its efforts to expand banking services to more households. While these are welcome steps, it would be prudent to look at the existing experiences of beneficiaries and service providers with respect to large-scale social schemes such as MGNREGA and Social Security Pensions, including those through bank accounts. In 2013-14 alone, unpaid wages under MNREGA amounted to 4,800 crore (according to the official data). Banking correspondents (BCs) and branch post masters (BPMs) who work as extensions of banks and post offices respectively, provide banking services, particularly cash. While these third parties have been envisaged to function as an ultra small branch, their lack of financial discipline, record maintenance and capacity to disburse wages on a large scale brings in opportunities for deviation, as seen in social audits in Andhra Pradesh. The cash gap In a regular banking set-up, reconciliation of accounts occurs on a daily basis; post offices keep track of cash flow through passbooks. But here, BCs and BPMs withdraw the requisite amount from the banks and carry huge volumes of cash in bags to distribute to the beneficiaries. The cash remains idle with them in their homes until it is dispensed. There have been cases of people running away with the money or faking burglaries. Wage-seekers have consistently reported that they are sometimes not paid for weeks and months. The BCs, CSPs (community service providers) and VOs (village organisations) keep deferring payment, saying the cash has not arrived, and often pay less than the entitlement. Thus, despite money being credited to the bank accounts of the beneficiaries, the core challenges remain. Cash payments have been replaced by biometric payments. Often the biometric system does not offer a match or recognise the fingerprints of the wage-seekers as their fingers are calloused due to rigorous manual labour. In such cases, people are either turned away or manual override is exercised through a one-time password (OTP) and another layer of human intervention is added to disburse wages. Plain manipulation There have also been cases of service providers who manipulate the system to pocket money by taking authentication on the point of sale (POS) machines from the wage-seekers, but making excuses such as lack of mobile connectivity or unavailability of cash. Or they take multiple fingerprints claiming the system has not registered the same, hence avoiding payment. In reality, once the fingerprint has been taken, authentication gets done and the system shows payment as completed. Both banks and the postal department use fingerprint authentication to acknowledge payments have been made; yet they simultaneously refuse to accept that the labourer has been cheated. There is also a practice of taking single biometric authentication for multiple weeks of payments. This makes it impossible for the labourers who are unlettered to understand how many weeks of payment they are receiving or are supposed to receive. Opening bank accounts does not guarantee that the money will reach the beneficiaries. Therefore, the issue of that last mile delivery needs to be addressed. Governor Raghuram Rajan should shift the focus from merely distribution of currency to monitoring whether payment agencies are delivering and holding them accountable. To give ‘jan-dhan' real meaning, the payment system should be made more transparent, accountable and robust, which factors in grassroots issues. The writers are with the Society for Social Audit, Accountability & Transparency, governments of Andhra Pradesh and Telangana

The Hindu Business Line, 25 September, 2014, http://www.thehindubusinessline.com/opinion/will-the-jan-get-their-dhan/article6446469.ece?homepage=true

Tagged with: Accountabality mgnrega MGNREGS Livelihood banking Financial Inclusion Jan Dhan Yojana

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