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The Aadhaar project 26 th February 2013

The Aadhaar project 26 th February 2013. UIDAI www.uidai.gov.in. Structure of the presentation. Overall mandate of the Aadhaar Project Aadhaar and it’s potential Direct Benefit Transfer and Aadhaar Concerns and responses. Overall mandate of the Aadhaar project. Context.

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The Aadhaar project 26 th February 2013

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  1. The Aadhaarproject 26th February 2013 UIDAI www.uidai.gov.in

  2. Structure of the presentation Overall mandate of the Aadhaar Project Aadhaar and it’s potential Direct Benefit Transfer and Aadhaar Concerns and responses

  3. Overall mandate of the Aadhaar project

  4. Context • Providing a formal identity proof to millions of residents • This identity proof would be a gateway to access services • Need to streamline government expenditure – cut wastage and leakage • Need for a transparent and accountable system of public expenditure • Social inclusion project with a developmental focus

  5. Mandate • UIDAI established by an Executive Notification in January 2009 by the Planning Commission • To generate and assign Unique ID Numbers to Residents • Define usage and applicability of UID for delivery of various services • Enrolment – One time activity, to establish uniqueness • Online Authentication – Transactional, at delivery of service

  6. UIDAI issues Aadhaar numbers… UID  Unique number  Random number Name Parents Gender DoB PoB Address Basic demographic data and biometrics stored Standardized identity attributes No duplicates(1:N check) Minimal demographic data collected UID = 1568 3647 6218

  7. … 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 – no invasion of privacy Person can see self-details, no one else can UID = 1568 3647 4958

  8. Where are we today… Started issuing in Sept 2010 28 croreAadhaars issued so far More than 30 crore residents enrolled Target – 60 crore by 2014

  9. Enrolment centre, Andhra Pradesh

  10. Enrolment Centre, Jharkhand

  11. Enrolment Centre, Puducherry

  12. Aadhaar and it’s potential

  13. 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 sectors will be able to use as a proof of presence for the beneficiary

  14. Empowerment, Choice and Convenience

  15. Empowerment, Choice and Convenience

  16. Aadhaar based government application pilots – Country wide spread

  17. MNREGA payments through Micro-ATM in Jharkhand

  18. PDS delivery based on Aadhaar Authentication in East Godavari, Andhra Pradesh

  19. Old age pension payment in Tripura

  20. Aadhaar platform for Banking

  21. Aadhaaraccepted as KYC for… LPG Connections Mobile connections Bank A/Cs, Insurance, etc. 3 2 1 ? State Government Services 4 Train Travel 6 5 Many other services…

  22. Aadhaar e-KYC Service “Instant” Opening of Bank Account through a Micro-ATM based on Aadhaar authentication – hugely empowering to the unbanked The Aadhaar e-KYC service instantaneously provides basic data (name, address, date of birth, gender, photograph) of the beneficiary to the Bank upon successful Aadhaar authentication. The e-KYC service can scale up to lakhs of transactions on a daily basis Provides convenience to the unbanked. Enables opening of large number of bank accounts on scale.

  23. Direct Benefit Transfer and Aadhaar

  24. All direct cash transfers into one account Multiple Schemes Aadhaar Payments Bridge One Aadhaar linked account APB Compatible with CPSMS

  25. End-to-End Direct Benefit Transfer 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 destination - Bank Account portability - Many schemes, one Aadhaar linked bank account Radha 111122223333 Radha 111122223333 Radha 111122223333 4. Withdraw from any MicroATM – Choice and Convenience 1. Aadhaar to de-duplicate databases xxxxx xxxxx xxxcccc ----- ----- yyyyy ----- ----- ----- ----- 5. Auditability and traceability of transaction

  26. Micro-ATM transactions Handheld device and battery powered Online connectivity through mobile network Micro-ATM standards set by RBI and IBA (manufactured by multiple vendors) Biometric scanners are certified Interoperable devices and can work for any bank and any BC Total online transaction time less than 15 seconds – Verified on the ground from Tripura, Jharkhand, Maharashtra, and Andhra Pradesh

  27. Convenient cash withdrawal Ram’s bank account Resident 8. Inform: Call / SMS 5. Authorize 6. Debit 1. Withdrawal request 9. Cash 4. Authenticate Interoperable Switch UIDAI 3. Forward to switch 7. Credit 2. AADHAAR number, money transfer instruction, biometrics BC’s bank account BC with Micro-ATM

  28. Inclusive convenience banking ID mapper Any Bank Resident - Ram UID 2563 8564 4663 8. Info- IVRS/ SMS 6. Debit Any amount 4. Authenticate and execute Ram’s bank a/c 1. Withdrawal request NPCI switch 5. Authenticate Any micro-ATM 9. Cash 7. Credit TransferMoney From UID 2653 8564 4663 To UID 7233 5968 3094 Amount 300 3.NPCI request Any BC 2. Money transfer instruction + biometrics BC (Kirana, SHG, PO etc)) With Micro-ATM UID: 7233 5968 3094 BC’s bank a/c

  29. Components of the benefit transfer system One-time steps: • Aadhaar enrolment • Bank accounts for every beneficiary and Aadhaarlinkage • Digitisation and Aadhaar seeding of beneficiary lists • Aadhaar e-KYC service Recurring steps: • Aadhaar Payments Bridge • On-line authentication service • Interoperable cash withdrawal points

  30. Concerns and responses

  31. Concerns and responses

  32. Issues on the legal status of the UIDAI • UIDAI functioning under executive notification issued in January 2009 by Planning Commission • Functioning of Authority under executive notification valid under law • NIDIA Bill is to strengthen the Authority by giving it a statutory status in order to impose certain obligations and impose penalties

  33. To conclude… • The Aadhaar number is a form ofempowerment to those who had no proof of formal identity • Empowerment is achieved by providing access, choice, empowerment and convenience • Government spends large amounts on social welfare programmes

  34. Obligation on State to have the capacity to ensure effective implementation as well as reduce leakage and corruption. • The expenditure should reach the intended beneficiary • The Aadhaar project is one of the means by which efficient delivery of service and inclusion with access can be enhanced. Not a panacea for all issues of corruption. • Large technology projects have costs and risks but the public benefit far outweigh potential risk

  35. Thank You

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