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* * Technology as enabler for electronic benefit transfer – Case of Micro ATM, BC, Aadhaar Authentication SystemNovember 29, 2012 Challenges Benefit payments are made in non-standard methods that vary at state level, district level, and often block level, with high co-ordination costs. Stakeholders and concerns: Government: Ensure that the intended beneficiary is indeed the actual recipient, Visibility and auditability, citizen dissatisfaction Banks : Financial viability, policy uncertainty Resident : High opportunity and transaction costs * Desirable features of an efficient EBT system (1/2) Convenient single window enrollment process Minimal overhead for Government. Standard and common process for all Line Ministries and State Government to send money to a beneficiary’s bank account in a timely way. This also reduces co-ordination costs. Auditability and transparency of process to ensure that the correct beneficiary receives the transfers. * Desirable features of cash transfer systemfor beneficiaries (2/2) Beneficiaries should have the choice of multiple convenient locations to access cash. This may include bank branches, microATM customer service points, post offices, citizen service centres, etc. Beneficiaries should be able to access cash conveniently through a network of microATMs at the grassroots level, or using ATMs, mobiles, tellers at branches, postman, etc. The cash transfer system needs to be deployed at scale with 10 lakh transaction points to cover 7,00,000 villages * Why Aadhaar? One time Aadhaar enrolment and linkage with scheme Aadhaar can act as a financial address for transfer of all EBTs using Aadhaar Payments Bridge Standard platform approach thus reducing coordination costs Interoperable cash withdrawal points using Aadhaar authentication service offered as a public good * Aadhaar Payments Bridge Aadhaar Payments Bridge Existing Account State Governments Family Aadhaar Account 8384 8239 58374390 92