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. Avenues for Cashless Transactions

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

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Amount of Cash to be Deposited/ Withdrawn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

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

8. Point of Sale (PoS) Devices
Master Details
Transaction
Alteration
Order
Report
Utility
Security

9. *99#
(An Overview)

10. 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

11. *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

12. *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

13. 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

14. Balance Inquiry

16. 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

17. + 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 +

18. + 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 +

19. 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

20. Way Forward PoS in all govt touch-points (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)

21. Services – Touch Points Mode of Cashless Transation
Rural & Urban
Services – Touch Points
Mode of Cashless Transation
Business Correspondents
AePS/ RuPay/ USSD / UPI
Opening Bank Account via eKYC
Online Transfer
Deposit
Withdrawal
Balance Enquiry
PDS
Cashless/ AePS (Aadhaar enabled Payments System)
Public & Private Health Centers
Business Correspondents - AePS
Cashless (PoS – RuPay)
Unified Payment Interface (UPI)
Transport
RTC Bus
Business Correspondents – AePS
PoS - RuPay Card
Common Payment Solution , Universal Payment and acceptance - Across Bus, Metro, Tolls, Auto, Taxis
eWallets
Private Schools
PoS – RuPay Cards
Business Correspondents – AePS (Fair Price Shop Dealers in rural areas)
Online Payments, Deposits,Cheques, DD, UPI

22. Services – Touch Points Mode of Cashless Transactions
Rural & Urban
Services – Touch Points
Mode of Cashless Transactions
Mee Seva
Business Correspondents – AePS / RuPay
PoS – RuPay Cards
Online Payments, Wallets, UPI, USSD
Common Payment Solution – Universal Payment and acceptance - All C2G Transactions
Land Registration
Online Payments, DDs
Rythu Bazaar
Business Correspondents – AePS / Rupay (Fair Price shops/Fertilizer outlet dealers /NREGS Field Staff wherever possible)
Common Payment Solution - Universal Payment and acceptance
Milk Vendors
Mobile Payments – UPI, USSD
PoS – AePS & RuPay Cards
Essential Commodity Dealers, FP Shop dealers
PoS - Aadhaar & RuPay Cards
eWallets
LPG
Business Correspondents/PoS – AePS / RuPay Cards
Online Transactions

23. Services – Touch Points Mode of Cashless Transactions
Rural & Urban
Services – Touch Points
Mode of Cashless Transactions
Mandi’s / Markets
Business Correspondents - AePS/ RuPay
PoS – RuPay Cards
Online Payment
Medical Shops
PoS – AePS & RuPay Cards
Mobile - UPI, USSD
eWallets
Fertilizer Outlets
Business Correspondents - AePS / RuPay
AeFDS
PoS - RuPay Cards,
Online Payment, Cheques, DD
Taxes
PoS – AePS & RuPay Cards,
Online Payment,
Common Payment Solution – Universal Payment and acceptance - All C2G Transactions

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

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

26. Initiatives in Krishna District
Bankers have been advised to distribute RuPay Cards to all Jan Dhan account holders
All the Jan Dhan accounts to be made active irrespective of their account balance and facilitated with online and mobile transactions
There is already a good network of 1243 Business Correspondents in Krishna
Now 2166 Fair Price Shop dealers are added as Business Correspondents. 990 Fertilizer retail outlets will be quickly made BCs making our district with highest BC network (>4200) in the state
Control Centres established in Collector’s Office and all RDO Offices at Machilipatnam, Nuzividu, Gudivada and Vijayawada to facilitate PoS devices to all merchants
Banks coordinated on 24x7 basis to facilitate currency to the public
Trainings on Cashless transactions conducted to Engineering Colleges, Hospitals, Merchants associations, Chambers of Commerce, Rythu Bazar vendors, Govt. officials, etc to inturn train their respective clientele, fraternity.
Facilitation counters with Micro-ATMs placed in all Rythu Bazaar

27. Thank You Contact: Toll Free No: 1800-599-1111
CONTROL AND COMMAND CENTRES:
1. Collector’s Office: /01
2. Sub-Collector’s Office, Vijayawada :
3. RDO Office, Machilipatnam:
4. RDO Office, Gudivada:
5. RDO Office, Nuzividu:
Toll Free No:
Website:
@Krishna_Dist