1. Go Cashless , Be Digital

2. Basic Architecture of Cashless Transactions
Acceptance Infrastructure
Utilities
Government
Merchant
Aadhaar (Identity Management/Authentication)
Big Gap
C2B
C2G
C2G
Banks
Transaction Modes: Mobile/ Card (UPI,IMPS,USSD,AEPS.)
P2P
Citizen
Citizen
Role of Banks

3. Present Scenario There is huge gap in acceptance infrastructure
Role of Government: Create an acceptance infrastructure (Acceptance Development Fund)
All merchants, utilities must have PoS machines

4. Way Forward Merchants and kirana shops to be encouraged for use of PoS
All banks to issue rupay cards to every account holder
All bank accounts to be seeded with aadhaar and mapped to NPCI
Mobile based (Smart phones):
a)All Govt offices to have virtual id for using UPI
b) encourage use of smart phones by citizens
Mobile based (Feature phones): USSD with Aadhaar based security feature

5. Way Forward PoS in all govt touchpoints (BC or merchant)
PoS is workable with RuPay card and biometrics devices. Essentially we can use RuPay card or Aadhar based biometric authentication to do transactions
29,000 e-PoS machines available with Fair Price shops can be converted into Business Correspondents (BC).
All MeeSeva kiosks can be converted into PoS
Additional BC can be appointed (Self-Help Group)

6. Rural & Urban Services – Touch Points Immediate Medium Term Long Term
Business correspondents
Opening Bank Account via eKYC
Online Transfer
Deposit
Withdrawal
Balance Enquiry
PDS
Aadhaar Based
Public & Private Health Centers
Old Currency Acceptable till 24th Nov
Business Correspondents - Aadhaar / Rupay
Transport
RTC Bus
Business Correspondents – Aadhaar / Rupay
eWallets
PoS-Card
Common Payment Solution
Universal Payment and acceptance– Across – Bus, Metro, Tolls, Auto, Taxis
Private Schools
PoS – Aadhaar & Rupay Card, Online Payment, Cheques, DD
PoS – Aadhaar & Rupay Card, Online Payment,Cheques, DD, UPI
PoS – Aadhaar & Rupay Cards, Online Payment, Deposits,Cheques, DD, UPI

7. Rural & Urban Services – Touch Points Immediate Medium Term Long Term
Mee Seva
Business Correspondents - Aadhaar / Rupay
POS – Major centres
PoS – Aadhaar & Rupay Cards,
Online Payments, Wallets, UPI, USSD
Common Payment Solution – Universal Payment and acceptance - All C2G Transactions
Land Registration
Online Payments, DD
Raithu Bazar
Business Correspondents – Aadhaar / Rupay
Fair Price shop dealers
PoS – Aadhaar & Rupay Cards
Common Payment Solution
Universal Payment and acceptance
Milk Vendors
Mobile Payments , POS machines
Mobile Payments ,
PoS – Aadhaar & Rupay Cards machines
Essential Commodity Dealers, FP shop dealers
GAS
Accepting Old Currency – Upto 24th November – GOI of guidelines

8. Rural & Urban Services – Touch Points Immediate Medium Term Long Term
Mandi’s / Markets
Business Correspondents - Aadhaar / Rupay
PoS – Aadhaar & Rupay Cards, Online Payment,
Medical Shops
Accepting Old Currency – Upto 24th November – GOI of guidelines
PoS – Aadhaar & Rupay Cards
Fertilizer Outlets
AEFDS
PoS – Aadhaar & Rupay Cards, Online Payment, Cheques, DD
Taxes
Old Currency Acceptable till 24th Nov
Common Payment Solution – Universal Payment and acceptance - All C2G Transactions

9. Avenues for Cashless Transactions

10. Extended Reach by Multi-channel Offerings
Banker
Agent
Network (BC)
Multi-channel delivery model
m-Banking
Call centre
Branch Network
Internet Bank
ATM Network

11. Working of Micro ATMs
Micro ATM Inter Bank Cash Deposit / Withdrawal - Process flow
Customer’s Inputs:
IIN
AADHAAR Number
Amount of Cash to be Deposited/ Withdrawn
Finger Print Data

12. Micro ATM Interbank Funds Transfer - Process flow
Remitting Customer’s:
IIN
Aadhaar Number
Amount to be remitted
Finger Print Data
Beneficiary Details:
IIN
Aadhaar Number

13. *99#
(An Overview)

14. Works on all GSM Handset Application like interactive menu
Why USSD ?
Works on all GSM Handset
Application like interactive menu
No Application installation required
More Secure than SMS
Internet is not required
Additional Channel Banking
Accessible through common code
Available on Roaming

15. *99# 11 Multi-lingual languages.
English *99#
*99*22# Hindi
*99*23# Tamil
*99*24# Telugu
*99*25# Malayalam
*99*26# Kannada
*99*27# Gujarati
*99*28# Marathi
*99*29# Bengali
*99*30# Punjabi
*99*31# Assamese
*99*32# Oriya

16. *99# Ecosystem
TSP
Available across all 11 GSM Telecom Service Providers (TSPs) in the country
Banks
55 Banks part of service – Includes all 27 PSU Banks , 14 leading Private Sector Banks & 10 Cooperative Banks
Services
8 Services Offered – Includes Banking, Non-banking and Value Added Services
Coverage
Available in 12 languages including English & Hindi

17. NUUP : Services Offered
Fund Transfer (Mobile & MMID)
Fund Transfer (IFSC & Account No)
Fund Transfer (Aadhaar Number)*
Financial Transactions
Balance Enquiry
Mini Statement
Request MMID
Generate M-PIN * & Change M-PIN
Generate OTP
Non-Financial Transactions
Query Service on Aadhaar Mapper (*99*99#)
Agent Initiated Transactions *
Value Added Service
* Currently not offered

18. Balance Inquiry

20. + UPI App Features Self Signup Powers multiple bank accounts
Single click Two Factor authentication
Universal Application for transaction
Safer, Secured and Innovative
Virtual Private Address
Accounts Balance Enquiry
IMPS Fund Transfer to Account
Collect Request Money
Complaint Management
History +

21. + Mobile Banking Features Self Signup Accounts Balance Enquiry
Fund transfer To Mobile / to Account
Immediate Payment Service (P2P)
Immediate Payment Service (P2A)
Immediate Payment Service (P2M)
Donations VAS
Mobile Recharge +

22. UPI- Unified Payments Interface
Push and Pull Payments
Virtual Address –
No need to disclose Account No. & remember IFSC Code
Banks – (Payment Service Provider) will provide App to customers of any bank
One App for all banks
Single Click 2FA
MPIN or OTP for Authentication
UPI for Smart Phone segment
Application based USSD for feature Phone users

23. Cash Facilitation Counters at Rythu Bazaars, Vijayawada
Micro-ATMs

24. PoS devices with Vegetable Vendors, Vijayawada
AGENTS OF CHANGE

25. Thank You