Digital in JAM for impact (Benefits/Soc Prot (Opportunities (Awareness…
Digital in JAM for impact
Aadhar: 86.7% of population
AEPS: 2.65 million transactions, 316 crores (Jan 2017)
ABPS (govt schemes): 167.36 crores 44,900 crores cum
Linkages of schemes - 84/X central schemes
How much cashless out of total as defacto?
What schemes are Aadhar enabled (categorize)
What % of population uses it? How often?
What is the State of variation?
6.67% of payments are routed through Aadhar/0.06% of value
Awareness through Bank Mitras, SHGs
Very few orgs are doing literacy
Universally, no information on govt. schemes
Gender, influence divide - information asymmetry
lack of aadhar devices
number of centres
number of agents (BCs, bank mitras, asha/anm, fps guys, school teachers, local panchayats, post office and postmen)
number of banks close by
Status update by SMS?
Time taken for scheme to reach
Last-mile connection for single-window delivery
Apps for awareness, update & reminders
App delivery of info for schemes (RSBY)
Best alternative to this scheme
security & leakage
right targetting of schemes