2017-02-13

DIGITALIZATION

After the recent “demonetization”, India (more to say, the government) is focusing on digitizing the transactions. With the changing times, public sector banks have been updating themselves with growing technology and growing tech-friendly customers, changing and proving themselves that they are no less than any private sector banks while coming to the technology provision in banking. With this great push from the GoI, banks have gotten more encouragement going digitized. India has been evolving to get digitized for many years now; and with this great step, it has taken a big leap!

Banks, once used to have only manual transactions – maintenance of ledgers and book keeping, everything used to be manual. With the growing technology, it got computerized and for now, it has Core Banking Solutions which enable customers to be bank’s customer instead of the home branch customer. Which implicates that, a person having an account with bank A at some B place can make his transaction at any branches of A. In this digitized era, the smartphones are playing a very key role and attracting people towards digitization. Smartphones, almost have all the features or say, works almost same as your desktops! With the smartphones you can download the mobile applications of whatever genre you wish to and enjoy them.

Even the banks are trying their hand in the mobile applications to attract the younger generation customers and woo them. At the starting stages, we were depending on the other countries to make this digitization possible in banking. Then came the umbrella organization for all the retail payments system in India, NPCI. It was tabulated by the Board for Regulation and Supervision of Payment and Settlement Systems in 2005, which in turn was set up by the RBI.

Who are We?

National Payments Corporation of India (NPCI)

What are we?

An umbrella organization for all the retail payments system in India; set up with the guidance and support of the RBI and IBA

Why are we?

The core objective was to consolidate and integrate multiple systems with varying service levels into nationwide uniform and standard business process for all retail payments; to facilitate an affordable payment mechanism to benefit the common man across the country and help Financial Inclusion

When were we made?

Incorporated in December 2008, as a section 25 company under companies Act 1956 (Now, Section 8 of Companies Act 2006)

Who promote us?

There are ten promoter banks:

State Bank of India, Punjab National Bank, Canara bank, Bank Of Baroda, Union Bank of India, Bank of India, ICICI, HSBC, HDFC Bank, CITI bank.

A few lines regarding my logo

Significance: the speed at which the org is achieving new milestones which adds to set higher benchmarks to to match global standards.

The shades Blue, Saffron and Green represent the colors of the Indian flag that pay homage to the organization’s deep roots.

NPCI has been taking a lot of initiatives and innovative steps to match with the ongoing digital world and making a safe and low cost financial transactions possible. To make this possible, this umbrella organization has introduced a few products and services as listed below:

National Financial Switch

BHIM

UPI

IMPS

USSD

National Automated Clearing House

Cheque Truncation System

Aadhar Enabled Payment System

RuPay

Bharat Bill Payment System

NATIONAL FINANCIAL SWITCH (NFS):

Conceptualized and developed by: Institute of Research and Development in Banking Technology (IRDBT), Hyderabad

Was dedicated to the nation on 27th August, 2004

Facilitates financial routing of ATM transactions through inter-connectivity between the Bank’s switches; which in turn enables the citizens of the country to utilize any ATM of a connected bank

NFS was handed over to NPCI by IRDBT later as the latter was keen on focusing on the Research and Development side

Bharat Interface for Money (BHIM):

The latest from the NPCI; named after BhimRao Ambedkar and was formally launched on 30th December, 2016 by Narendra Modi in Delhi

BHIM is a mobile application, developed based on the Unified Payments Interface (UPI).

One can easily make direct bank to bank payments instantly and collect money using just mobile number or Payment Address

One can “Send Money” using Virtual Payment Address (VPA) – generally, one can have two VPAs, one being in format of mobileno@upi and the other being in the format of username@upi

One can “Request Money” from other UPI/BHIM/*991# users using the VPA

“Scan & Pay”, this option enables to transfer money using the QR (Quick Response) code of either merchant or another customer.

Using “Transactions” one can check the money he had sent, failed or pending transactions and also pending transactions of money to be received & can either approve or reject them

“Profile” can be used to check ones Payment Address and generate a static QR Code and share the same with his dear ones

“Bank Account” option enables you to see the bank account linked with the BHIM app and its UPI PIN One can also check the balance of the linked account using the “Request Balance” option. One can change his/her bank account linked with the BHIM app, clicking on the Change account option in the Menu. However, one can use only one account at a time for transactions.

Unified Payment Interface (UPI):

A system that powers multiple bank accounts into a single mobile application, merging several bank features, seamless fund routing and merchant payments into one hood

Also caters to the peer to peer collect request which can be scheduled and paid as per requirement and convenience.

Some of the benefits of UPI are as follows:

Customers:

Immediate money transfer through mobile round the clock

A single mobile application for accessing different bank accounts

Use of Virtual ID is more secure

Banks:

Universal application for transaction

Leveraging existing infrastructure

Seamless merchant transactions

Safe, secure and innovative

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