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UIDAI uidai

The Aadhaar project Unique Identity and Its Positive Externalities for Inclusiveness 16 th January 2013. UIDAI www.uidai.gov.in. UIDAI’s Mandate. To provide Unique ID Number to all Residents Enrolment is a one time process for the resident Establishes Uniqueness

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UIDAI uidai

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  1. The AadhaarprojectUnique Identity and Its Positive Externalities for Inclusiveness16th January 2013 UIDAI www.uidai.gov.in

  2. UIDAI’s Mandate • To provide Unique ID Number to all Residents • Enrolment is a one time process for the resident • Establishes Uniqueness • Provide online, cost-effective, ubiquitous authentication services across country • Authentication is transactional • Establishes identity • To be done at the time of availing a benefit

  3. UIDAI issues unique IDs … UID  Unique number  Random number Name Parents Gender DoB PoB Address Basic demographic data and biometrics stored centrally Standardized identity attributes No duplicates(1:N check) Flexibility to partners on Know Your Resident (KYR)+ Central UID database UID = 1568 3647 6218 Property of UIDAI - Highly confidential

  4. … and authenticate IDs online, real-time Authentication - ‘Are you who you claim to be?’ Central UID database 1:1 check, no ID fraud Only YES/NO response, no details UID = 1568 3647 6218 Property of UIDAI - Highly confidential

  5. On-line Authentication • On-line Authentication service validates the identity of the Aadhaar holder using fingerprint, iris and mobile based authentication methods. • The UIDAI has built an On-line authentication system that can service crore of authentications on a daily basis. Response time is a few seconds. • This system is a first worldwide, and has addressed the challenges of biometric technology at such scale. Online authentication without a card enables rapid adoption.

  6. Where are we today… Resident Digital Identity Started issuing in Sept 2010 250 million Aadhaars issued so far About 300 million residents enrolled Target – 600 million by 2014

  7. Status as on 16th January 2013…

  8. Enrolment centre, Andhra Pradesh

  9. Enrolment Centre, Jharkhand

  10. What is in a number? Service Delivery Potential of Aadhaar

  11. Service Delivery potential due to Authentication • Transactions normally require verification of identity • Aadhaar online authentication will provide a common platform which can be used across all transactions and other applications. • Entitlements should reach the intended beneficiary – non-transferability can be ensured • This can be effectively done by authentication at the point of service delivery • Many domains will be able to use as a proof of presence for the beneficiary : Attendance, proxies in the examinations

  12. Aadhaar as common e-KYC platform LPG Connections Mobile connections Bank A/Cs, Insurance, etc. 3 2 1 ? State Government Services 4 Train Travel 6 Your application 5

  13. Aadhaar e-KYC Service The Aadhaar e-KYC service instantaneously provides KYC data (name, address, date of birth, gender, photograph) of the beneficiary upon successful Aadhaar authentication. The e-KYC data can be used for seeding of Aadhaar in the Government databases. The e-KYC data can be used by Banks and India Post for opening instant accounts or linking existing accounts. The e-KYC platform can scale up to lakhs of transactions on a daily basis

  14. s Online Applications hardware Financial services Telecom services Greenfield apps and investor ecosystem Logistics Enrolment hardware IT services Consulting Key eco-system partners 2009 2010 2011 2012 2013 2014 2015 2016 Offline apps H/W Applications ecosystem Key funding source Consumers Wave 4: Next generation applications PPP & consumers Wave 3: Mainstream applications - Healthcare, education, financial services and consumer applications including utility services and telecom Annual eco-system opportunity ($ Billions) State govern-ment & financial services Wave 2: Initial application – PDS, NREGA, State services, energy, financial services Central govt &registrars Wave 1: Enrolment & infrastructure creation

  15. All direct cash transfers into one account Multiple Schemes Aadhaar Payments Bridge One Aadhaar linked account

  16. End-to-End DCT Enabled by Aadhaar Pension Bank 2. Aadhaar as KYC to open bank account 1111 2222 3333 1111 2222 3333 MGNREGA Aadhaar Payment Bridge Scholarship 3. Aadhaar as a payment address Radha 111122223333 Radha 111122223333 Radha 111122223333 4. Withdraw from any MicroATM 1. Aadhaar to de-duplicate databases xxxxx xxxxx xxxcccc ----- ----- yyyyy ----- ----- ----- ----- 5. End to end traceability and auditability

  17. Interoperable cash withdrawal points CURRENT ------------------------------------- ----------------------------- FUTURE

  18. End-to-End Traceability through Aadhaar Enabled DCT • Government ‘puts in’ money using an Aadhaar 1111 2222 3333 1111 2222 3333 • Beneficiary ‘takes out’ his money using same Aadhaar and his biometric

  19. MNREGA payments through Micro-ATM in Jharkhand

  20. Old age pension payment in Tripura

  21. Aadhaar and e-Commerce

  22. Identity and Address Verification Strongly verifying customer identity and address for Cash-on-Delivery Truly supporting 1-click shopping for Aadhaar verified customer accounts Instead of error-prone, and inconvenient 2-factor authentication schemes of today, potential to use Aadhaar pre-authenticated account / token as one of the factors Address validation, normalization for shipping/billing addresses

  23. Aadhaar as Unified Identifier Customer transaction history (orders, returns, cancellations, CoD refusals, etc) analytics Targeted and personalized commerce, campaigns, promotions, etc through unified identifier Stronger fraud detection systems across e-commerce players Credit worthiness system Mobile to Aadhaar linkage for mobile e-commerce

  24. Electronic Payment Aadhaar allows paperless, instant provisioning of bank accounts and electronic payment instruments complying to regulatory requirements Every Aadhaar holder will have a bank account and some sort of electronic payment instrument as part of financial inclusion drive India spends 20-30 billion USD as direct benefit eventually hitting bank accounts of Aadhaar holders All these taking potential customer base to go up by 10-20 times or more in a year or two!

  25. Aadhaar and Social Inclusion Aadhaar identity platform and Aadhaar enabled mobile applications can help a billion people to participate in digital economy and avail services tailored to them!

  26. Thank You

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