Vittiya Saksharata Abhiyaan (VISAKA)

Transcription

1 Vittiya Saksharata Abhiyaan (VISAKA) Digital Financial Literacy Campaign Campaign by Higher educational institutions for digital economy

2 Go digital It is easy to use Anytime, anywhere, anyone Convenient Secure

3 Digital economy for youth This is your opportunity to bring social change Greater transparency in the system Convenience of use Essential for eradication of Black money system Useful for containing

4 Can everyone go digital? Yes Does it require internet, smart phone? No

5 No bank account, no mobile? You can still go digital Open a Jandhan account in the nearest Bank get RuPay card or Take a prepaid card from employer and PIN

6 Have a bank account, no mobile? You can still go digital Ask Bank to issue RuPay card Swipe your card for all purchases

7 Have a bank account, only a feature Phone? You can still go digital Use RuPay card where there is a PoS Use USSD for where there is no PoS

8 Have a bank account & a smart phone? You can go digital Use RuPay/Debit card - PoS

9 VISAKA:Plan of Action for the Higher Educational Institutions

10 Higher educational institutions Receive nothing in cash (fee/fines/deposits) Pay nothing in cash (wages/salaries/vendor payments) Faculty/staff/students to use cashless systems in all payments Develop a cashless campus (covering shops/canteens/services)

11 Students Understand/adopt all the cashless modes of payment Train own family in using cashless modes Adopt 10 households and teach them digital payments Register as Volunteer on

12 NSS / NCC units: achieve digital markets Select a market place in the nearest locality Meet all shop-owners: canvass digital payments Help small vendors in setting up USSD/UPI/eWallet system Interact with customers using cash for payment

13 Employers Encourage workers to open bank a/c: it is their right Educate your workers on using digital modes Pay using prepaid cards reduce cash payments

14 Small vendors Have your own bank a/c: it is your right Take a mobile wallet: it is easy Buy a M-PoS: it can connect to your mobile Use the USSD/UPI/mobile wallet system to receive payments

15 Bank account holders Use your RuPay/Debit card WHEREVER there is a PoS Use mobile wallets: there are many options Use the UPI system for making payment

16 Come become an agent of change Join Vittiya Saksharata Abhiyaan (VISAKA) today Register as volunteer on n/vabhiyaan/ Download/see material on MHRD and on NITI Ayog websites Give feedback and suggestions on implantation of VISAKA Upload progress with photos and write up

17 Programme of action Student participation in the VISAKA Identifying trainers for digital payment system (from banks/teachers) Before 10 th Dec Informing all students about the programme and registration of student volunteers 7 th Dec 14 th Dec on website Training of the volunteers (in adopting households/establishments for canvassing 15 th to 20 th Dec digital payment systems) Volunteers work on the selected households to bring them on to digital mode 20 th Dec 12 th Jan Open session with the student volunteers to elicit experiences and give further 12 th Jan guidance

18 Programme of action Institution level reforms Digital payment systems All receipts to by the Institute to be only digital/online mode 12 th Dec Meeting of the vendors/service providers working in the campus 12 th Dec to finalise their digital mode for payments All shops/establishments in campus to go digital through PoS 30 th Dec machines/m Wallets/mobile banking th

19 Programme of action Adoption of markets/mandis for digitisation of payments NSS/NCC units identify the market places for adoption 12 th Dec Visits to the establishments and teaching digital payments 12 th Dec 23 rd Dec Debriefing about the results of the work 23 rd Dec Follow up visits to the market place 23 rd Dec 8 th Jan Final report by the NSS units 12 th Jan

20 Digital Payment Modes 1.Prepaid Cards 2.Debit/RuPay cards 3.USSD 4.Mobile wallets 5.AEPS 6.UPI

21 Bank Cards

22 Point of Sale (PoS) & Card steps BANKS ISSUE VARIOUS CARDS FOR THEIR ACCOUNT HOLDERS USE YOUR CARD TO SHOP ANYWHERE PREPAID CARD CAN BE ISSUED BY ANY BANK FROM ACCOUNT OR CASH (FOLLOWING BENEFITS) Prepaid Cards At any PoS Pre-loaded card Debit cards At ATM Equivalent to cash Credit Cards Online shopping Can be recharged several times Can be used at any PoS, ATM

23 Unstructured Supplementary Service Data (USSD) based Mobile Banking *99# - National Unified USSD Platform (NUUP)

24 Registration 1 Visit your branch to link mobile number and bank account Can be done at ATM or online also 2 You will get your Mobile Money Identifier (MMID) and Mobile PIN (MPIN) upon registration New changes being brought to simplify user experience; no need for separate MMID 3 Remember your MMID and MPIN

25 Your a/c No. 000xxxxx4567 Debited for Rs. 500 on and a/c linked to Mobile XXXXXXX credited (IMPS ref No XXXX)

26 Aadhar enabled payment system (AEPS)

27 MicroATM Transaction

28 UPI

29 Requirements for registration on UPI REQUIREMENTS AVAILABLE APPS (28 BANK APPS) Smartphone with internet facility Bank Account details (only for registration) SBI app, PNB UPI, UPI Collect (ICICI), Axis Pay, Canara Bank UPI, UCO UPI, Union Bank UPI, OBC UPI and 20 other banks

30 Collecting Money Screenshot taken from

31 Wallets

32 What are e-wallets? Electronic pre-paid payment system, mobile-first Used in purchasing items on-line with a computer or a smartphone at a store. An individual's account is required to be linked to the digital wallet to load money in it. Most banks have their e-wallets and some private companies

33 Point of Sale (PoS)

34 Types of PoS PHYSICAL POS MPOS V-POS Physical Card Swiping PTSN with landline / GPRS enabled Phone connected with external POS device through jack / Bluetooth Virtual E-payment Gateway

35 V-PoS No PoS machine required QR code used for payment to bank account of merchant Complete privacy of merchant bank account

36 Summary Bank Account YES NO Smartphone Non- Smartphone Aadhaar Seeded Acc. Debit Card Prepaid Bank card UPI Wallets USSD AEPS POS transaction POS transaction

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