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How to use this book for Results - Digital India - The Complete Reference

How to use this book for Results 



Digital India is a comprehensive programme. It  is for  every resident. Like in the case of our constitution, every resident must have a basic understanding of Digital India in terms of its scope and services. However, the range of services deployed under Digital India are too many for one person to understand and all of them are not relatable or relevant to everyone. Hence each resident should use the following core services to begin with 


CORE SERVICES

A set of digital India services aimed at every resident or citizen are called core services. They are  

  1. Digital identity - Aadhaar

  2. Cloud Storage - Digilocker

  3. Digital signature - e-sign   

  4. Online payments-  BHIM (UPI) 


SECTORAL SERVICES 

The rest of the services are called sectoral service are  aimed at a sectional of society- such as  students, farmers, teachers,  senior citizens, enterprises , women empowerment, people with disabilities and such sections of society. Reader can go directly to such relevant services and make the most of them. 


Organization of the Book: Digital India - The Complete Reference

ORGANIZATION OF THIS BOOK

 



The book is organized in 8 parts. Part I is a general introduction to Digital India. It is recommended that every reader may go through this part and gain a basic understanding of the scope of Digital India programme and its overall structure and services.  The rest of the parts of aimed at specific groups. Reader is advised to go directly to those parts which is directly relevant to him or her 


PART II :  DIGITAL INDIA SERVICES FOR CITIZENS

PART III:  DIGITAL INDIA SERVICES FOR Government to Business (B2G2B)

PART IV : DIGITAL INDIA SERVICES FOR Government to Government (G2G) 

PART V : DIGITAL INDIA SERVICES FOR Government to Employees (E2G2E) 


PART VI  :  DIGITAL INDIA SERVICES FOR Visitors/Foreigners (G2F) 

PART VII  : DIGITAL INDIA STACKS 

PART VIII: INDIA ENTERPRISE ARCHITECTURE 

PART IX  : DIGITAL INDIA PLATFORM  

 

The Target Audience- Digital India- The Complete Reference

The Target Audience

1.

DIGITAL INDIA PLATFORM FOR EVERY RESIDENT 

Digital India is a new platform. It is a technology platform. Future of India and its citizens will happen on this platform . The Indian government has created a Digital India Platform for reaching out to every citizen online and delivering citizen services electronically. Hence awareness of Digital India movement, it's scope and services must be there for every Indian. Be one living in cities or deep rural India.  Be a housewife or a student or a shopkeeper or an entrepreneur.  Digital India is all inclusive and is for every Indian irrespective of gender and geography or  age or area. It is universal. Digital India is everyone's concern and everybody's reality. Hence the first purpose of this book to change this low ratio of Indian residents using Digital India resources and make  them aware of these resources and encourage them to  start using them in their daily life.


 2

DIGITAL INDIA CITIZEN

This book (accompanying  presentations, videos)   intends  to put the Digital India resources at the center of every  Indian’s professional and personal day-today life and transform her into an empowered DIGITAL INDIA CITIZEN. Digital India projects are built for and meant for every Indian. It is very inclusive in its objectives and services, every Indian will be affected by it and more importantly benefited by that. Making every Digital India Citizen , the largest group of people in India aware of these resources and guide them towards  harnessing their potential is the first and foremost objective of this work.


3

DIGITAL INDIA WORKER

The second important audience of this book is DIGITAL INDIA WORKER. Digital workers constitute the second largest growing group in India.  These are people  who use digital India infrastructure and resources within the context of their work and professions. They are employees of state and central government who are directly affected by Digital India programme and working with it- officials,  professors, heads of educational institutions, teachers, outsourced skilled office workers, business executives who come across situations where digital India can play a key role and contribute towards their accomplishments and success.


4

DIGITAL INDIA SHAPERS

The third intended audience of the book is DIGITAL INDIA SHAPERS. These are the Indians who are playing leading roles within their groups and communities.  They have within them the power to use digital India systems and services to enhance the performance of their own and that of their teams and  shape a new collective future. These digital India shapers can be institutional leaders, community  leaders, law makers, functionaries in local government , people's representatives and more.


5

DIGITAL INDIA DEVELOPER

The next important target audience of this resource is the DIGITAL INDIA DEVELOPER. Software applications or simply apps have become the de facto means of building and offering services to both business customers and citizens. In fact today Indian government is offering many of its services through apps such as BHIM or UMANG.  The futuristic Indian government not only wants to use digital India platform for offering its citizens services. Instead it is opening its platform along with an incredible number of software resources both data and APIs for developers to build and offer innovative services. The digital India platform often technically called IndiaStack.  It is a set of  layered resources for developers to build and offer innovative apps to billion Indians. For Indian developers this is a dream come true and an emerging market in their own home country.


6

DIGITAL INDIA INNOVATORS

Another important audience intended by the book is DIGITAL INDIA INNOVATORS.. These are the small, but significant and rapidly emerging digital Indians who have deep dreams and tall talent to look at digital India infrastructure and come out with innovative product, services and business models. These solutions could be india-specific to be targeted at a section of Indian society say rural or urban. These services  can be for meeting specific in-transition population  - say people who earn and spend all the money in cash. The innovator solution can also be with global focus but may start in India and use Digital india as a test bed.


FACT: UPI which is financial layer of Indiastack is very successful in India and attracting the attention of leading countries in the world


7

DIGITAL INDIA LEADERS

Another important target audience is DIGITAL INDIA LEADERS whose operative mandate is at state , regional levels. These are people who might carry the baton of national process further into the future.  Leaders who are in their mid career stages  and are expected to take India to new but unknown future 

 8

 NON RESIDENT INDIANS

Another important interested audience of this book is NRIs. They may be interested in knowing the technological developments undertaken back home and would be surprised at the speed of developments and sophistication of the resulting infrastructure and  their resourcefulness.

Digital India is a national technology platform built on open, global standards and practices. Its awareness is a must for Indians outside India also. The NRI community living around the globe and experiencing technologies in advanced countries must have a basic understanding of Digital Technology. Not only they will feel proud about the same, but also find it pleasant surprise when come back home that they can experience global technology within their home also. Entrepreneurial Indians dreaming of making big in advanced countries may find that the technological platform resulting due to Digital India in India is worth considering for their entrepreneurial ventures and is comparable in sophistication with those available in the developed countries.

FACT: UPI has been used by Google in launching its Google Pay app


9

 TEACHERS AND LEARNERS

Digital India is expected to be an indispensable part and parcel of every resident’s daily life. Hence, an added audience is the teachers and parents who might use these resource and illustrations while teaching to inspire students. Parents can use this resource to keep themselves updated about new and emerging Digital India. Digital India has developed dedicated educational services such as SWAYAM (https://swayam.gov.in/)  to meet varying needs of learning community 


10

SOCIAL ENTREPRENEURS 

Next target are  the social entrepreneurs and change agents who might be interested in seeing how Digital India adds a new dimension and resource pool for them in engaging their audiences, enlarging their base of operations and enriching their stakeholders. 


11

DIGITAL WORLD CITIZENS

Digital is the world wide phenomenon. Individuals, institutions, businesses and countries are adopting digital technologies into their fabric of existence. India is leading the way in transforming delivering citizen services online and electronically. The grand approach to digitize India  and the comprehensive nature of its scope, makes it one of the biggest e-governance projects in the world. Countries and communities around the world are interested in and may learn from India’s experience in transforming paper based, brick and mortar and location specific citizen services onto anywhere, anytime and anyhow service model. Hence this book also considers the rest of the world - Digital World Citizens to be target audience for this work

12

DIGITAL INDIA FOR WORLD GOVERNMENTS 

India's experience with creating digital infrastructure platforms as public goods offers multiple lessons learned in technology, system, and regulatory architecture. It demonstrates how multiple such systems can be leveraged in concert—such as the India Stack—for development objectives. Governments and businesses alike are building for diverse use cases on top of the stack. By lowering the transaction costs of serving the poor, we are achieving better inclusion.

Such digital infrastructure is not a unique requirement in India. It is estimated that approximately 161 countries currently have or are building their own digital ID systems. Many countries have local interbank payment systems and are now looking to upgrade them for a mobile-first world. As various countries build their own systems, the Indian experience with Aadhar serves as a real-world example to learn from. Even if the systems may look different, we believe the principles adopted in their development would serve well globally.

How to use this book for Results 

Digital India is a comprehensive programme. It  is for  every resident. Like in the case of our constitution, every resident must have a basic understanding of Digital India in terms of its scope and services. However, the range of services deployed under Digital India are too many for one person understand and all of them are not relatable or relevant to everyone. Hence each resident should use the following core services to begin with 

CORE SERVICES

A set of digital India services aimed at every resident or citizen are called core services. They are  

  1. Digital identity - Aadhaar

  2. Cloud Storage - Digilocker

  3. Digital signature - e-sign   

  4. Online payments-  BHIM (UPI) 


SECTORAL SERVICES 

The rest of the services are called sectoral service are  aimed at a sectional of society- such as  students, farmers, teachers,  senior citizens, enterprises , women empowerment, people with disabilities and such sections of society. Reader can go directly to such relevant services and make the most of them. 



ORGANIZATION OF THIS BOOK 

The book is organized in 8 parts. Part I is a general introduction to Digital India. It is recommended that every reader may go through this part and gain a basic understanding of the scope of Digital India programme and its overall structure and services.  The rest of the parts of aimed at specific groups. Reader is advised to go directly to those parts which is directly relevant to him or her 

PART II :  DIGITAL INDIA SERVICES FOR CITIZENS

PART III:  DIGITAL INDIA SERVICES FOR Government to Business (B2G2B)

PART IV : DIGITAL INDIA SERVICES FOR Government to Government (G2G) 

PART V : DIGITAL INDIA SERVICES FOR Government to Employees (E2G2E) 


PART VI  :  DIGITAL INDIA SERVICES FOR Visitors/Foreigners (G2F) 

PART VII  : DIGITAL INDIA STACKS 

PART VIII: INDIA ENTERPRISE ARCHITECTURE 

PART IX  : DIGITAL INDIA PLATFORM  

 

Preface- Digital India - The Complete Reference

PREFACE


India’s Digital Transformation is underway 

1

As I was putting the final touches to the draft of this online  book  Times of India reported that (1) FASTags has overtaken cash collection in National Highway tolls and   (2) The Finance Minister announced that UPI based payments and RuPay debit card transactions are exempted from MDR. These two developments among others illustrate the speed with which Digital India is transforming the way government is serving citizens and how the nation is moving from traditional ways of conducting transactions- cash or paper to DIGITAL . 


Today in India we have available enough infrastructure, knowledge, exposure and experience needed for the successful practice of Digital India. National Government Services Portal (https://services.india.gov.in/) lists nearly 10,000 services most of them offered on fully online mode.  However, the percentage of people who are aware of these resources and applying them in their daily life for professional and personal purposes is very small compared to the rest of the population.

Let me give you an example.  As part of digital India citizen services suite  the Indian government has made available a world class secure digital storage service called Digilocker. Digilocker is open and available to every Indian resident.  Residents can store and share documents securely. 

2.

Digital India Resources are underutilized 

However the number of Indian residents who have created accounts on Digilocker and use it on a regular basis is very small (49 million users) . In my opinion every college student in India  should have created an account by now and has been using it actively.  This needs immediate attention and action.

3

The  Goal 

This work sets its goal as to help overcome this situation and bring Digital India resources central to every Indian resident and join this wonderful journey of transforming India into Digital Economy and Knowledge society as envisaged in Digital India programme.   

POINTER:: To know current number of Digilocker users see here https://Digilocker.gov.in 


3

With the Digital India programme gaining momentum in recent  years, its penetration into the fabric of our lives is getting deepened. Today the three basic services required for online transaction- online identity Aadhaar, online document sharing- Digilocker, online payments- BHIM are up and are serving millions of Indians.  There are more than 1200 services or apps deployed by Digital India  which a citizen can choose from and use depending on her requirement.  Special services are available for farmers, students, teachers and entrepreneurs and like.  Digital India is a new reality and compelling.

4

Digital India information on services is scattered in many places- government websites, app stores , publications and other locations. It is very hard for citizens to discover them on the fly and use them. This work intends to offer a remedy for this.   Between the covers of this book, citizens will be able to find essential and important  information and links that help them to explore and understand available services.and choose the appropriate ones that meet their specific requirements.  For instance, a senior citizen will find how to get an online living certificate or a student will find where to discover a scholarship online or access learning resources. Digital India is all inclusive and has service to each one of its citizens. 

5

A book of this sort gathers information from an innumerable  sources - web sites, published documents and books, discussion forums , blogs and more.  Hence it is not possible to mention every source consulted by the author while composing the content. However, an alert reader can discover soon that the author has borrowed a great deal of content from  many government websites run by different departments both center and state. Another important resource is publications such as policy documents and white papers. No references or sources or links  are mentioned in the text to enable readers go through smoothly without distraction. However a brief bibliography is included for the interested reader.


Digital India is the theme of our times. It is affecting all of us and each one can benefit from it.  Author has enjoyed learning it and teaching a set of courses on them. Now the author wishes to share the same with the rest of the nation.  Hope this book finds relevance in the life of every Digital Indian.


Digital India is a living and growing and Suggestions/corrections if any may be emailed to author at digital.india.master@gmail.com 


Ravindra Dastikop

January, 2020

2021 Why India Stack was created?-

2021 Why India Stack was created?-  



We are living in an ever-growing online world. Students attend online classes, employees work from home, people buy online..... Realizing the importance of online platform- the Indian government back in 2014 decided to deliver citizen services online through Digital India

Building on its earlier e-governance projects , Digital India has one goal- deliver citizen services online on resident mobile devices. Delivering resident services online requires the following basic functionalities- online identity (Aadhaar), online authentication ( Aadhaar eKYC) online documents ( Digilocker), online signature ( eSign), online payment ( UPI ) and Digital consent layer that enables residents to share data selectively.

These basic functionalities are called IndiaStack are open for public consumption- business- startups...
#digitalIndia #Indiastack

2021 #1 India's Digital Transformation is Underway :

India’s Digital Transformation is underway



India’s Digital Transformation is underway As I was putting the final touches to the draft of this online book Times of India reported that (1) FASTags has overtaken cash collection in National Highway tolls and (2) The Finance Minister announced that UPI based payments and RuPay debit card transactions are exempted from MDR. These two developments among others illustrate the speed with which Digital India is transforming the way government is serving citizens and how the nation is moving from traditional ways of conducting transactions- cash or paper to DIGITAL . Today in India we have available enough infrastructure, knowledge, exposure and experience needed for the successful practice of Digital India. National Government Services Portal (https://services.india.gov.in/) lists nearly 10,000 services most of them offered on fully online mode. However, the percentage of people who are aware of these resources and applying them in their daily life for professional and personal purposes is very small compared to the rest of the population. Let me give you an example. As part of digital India citizen services suite the Indian government has made available a world class secure digital storage service called Digilocker. Digilocker is open and available to every Indian resident. Residents can store and share documents securely. 2. Digital India Resources are underutilized However the number of Indian residents who have created accounts on Digilocker and use it on a regular basis is very small (49 million users) . In my opinion every college student in India should have created an account by now and has been using it actively. This needs immediate attention and action. 3. The Goal This work sets its goal as to help overcome this situation and bring Digital India resources central to every Indian resident and join this wonderful journey of transforming India into Digital Economy and Knowledge society as envisaged in Digital India programme. POINTER:: To know current number of Digilocker users see here https://Digilocker.gov.in With the Digital India programme gaining momentum in recent years, its penetration into the fabric of our lives is getting deepened. Today the three basic services required for online transaction- online identity Aadhaar, online document sharing- Digilocker, online payments- BHIM are up and are serving millions of Indians. There are more than 1200 services or apps deployed by Digital India which a citizen can choose from and use depending on her requirement. Special services are available for farmers, students, teachers and entrepreneurs and like. Digital India is a new reality and compelling. 4 Digital India information on services is scattered in many places- government websites, app stores , publications and other locations. It is very hard for citizens to discover them on the fly and use them. This work intends to offer a remedy for this. Between the covers of this book, citizens will be able to find essential and important information and links that help them to explore and understand available services.and choose the appropriate ones that meet their specific requirements. For instance, a senior citizen will find how to get an online living certificate or a student will find where to discover a scholarship online or access learning resources. Digital India is all inclusive and has service to each one of its citizens. 5 A book of this sort gathers information from an innumerable sources - web sites, published documents and books, discussion forums , blogs and more. Hence it is not possible to mention every source consulted by the author while composing the content. However, an alert reader can discover soon that the author has borrowed a great deal of content from many government websites run by different departments both center and state. Another important resource is publications such as policy documents and white papers. No references or sources or links are mentioned in the text to enable readers go through smoothly without distraction. However a brief bibliography is included for the interested reader. Digital India is the theme of our times. It is affecting all of us and each one can benefit from it. Author has enjoyed learning it and teaching a set of courses on them. Now the author wishes to share the same with the rest of the nation. Hope this book finds relevance in the life of every Digital Indian. Digital India is a living and growing and Suggestions/corrections if any may be emailed to author at digital.india.master@gmail.com Ravindra Dastikop January, 2020 #DigitalIndia

2021- Account Aggregators- India's Innovation in Financial Services


Since 2009. INDIA’S INVESTMENTS IN ITS DIGITAL financial infrastructure—known as “India Stack”—have sped up the large-scale digitization of people’s financial lives. As more and more people begin to conduct transactions online, questions have emerged about how to provide millions of customers adequate data protection and privacy while allowing their data to flow throughout the financial system.

Data-sharing among financial services providers (FSPs) can enable providers to more efficiently offer a wider range of financial products better tailored to the needs of customers, including low-income customers. However, it is important to ensure customers understand and consent to how their data are being used. India’s solution to this challenge is account aggregators (AAs). The Reserve Bank of India (RBI) created AAs in 2018 to simplify the consent process for customers.

In most open banking regimes, financial information providers (FIPs) and financial information users (FIUs) directly exchange data. This direct model of data exchange—such as between a bank and a credit bureau—offers customers limited control and visibility into what data are being shared and to what end.
When a customer gives consent to a provider via the AA, the AA fetches the relevant information from the customer’s financial accounts and sends it via secure channels to the requesting institution.
AAs have been designed to sit between FIPs and FIUs to facilitate data exchange more transparently. Despite their name, AAs are barred from seeing, storing, analyzing, or using customer data. As trusted, impartial intermediaries, they simply manage consent and serve as the pipes through which data flow among FSPs.

ACCOUNT AGGREGATORS (AAs) IS ONE OF THE NEWEST CATEGORIES of non banking financial companies (NBFCs) to figure into India Stack—India’s interconnected set of public and nonprofit infrastructure that supports financial services.

The Indian government has developed a comprehensive technology framework to guide the implementation of its policies for consensual data-sharing, including the establishment and operation of AAs. It provides a set of guiding design principles, outlines the technical format of data requests, and specifies the parameters governing the terms of use of requested data. It also specifies how to log consent and data flows.


RBI created AAs to address the challenges posed by the proliferation of data by enabling data-sharing among financial institutions with customer consent. The intent is to provide a method through which customers can consent (or not) to a financial services provider accessing their personal data held by other entities.
India Stack has scaled considerably since its creation in 2009, marked by rapid digitization and parallel growth in mobile networks, reliable data connectivity, falling data costs, and continuously increasing smartphone use. Consequently, the creation, storage, use, and analyses of personal data have become increasingly relevant. Following an “open banking” approach,
the Reserve Bank of India (RBI) licensed seven AAs in 2018 to address emerging questions around how data can be most effectively leveraged to benefit individuals while ensuring appropriate data protection and privacy, with consent being a key element in this.

The Role of Account Aggregators:
Despite the nomenclature, AAs are, by regulation, barred from seeing, storing, analyzing, or using client data. They simply are consent managers who act as trusted and impartial intermediaries between users and providers of data. The concept of AAs emerged from discussions at the Financial Stability and Development Council, the apex body for Indian financial sector regulators, in 2015.7 In 2016, RBI released the Account Aggregator Master Direction, and the four financial sector regulators—RBI, Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority of India (IRDAI), and Pension Fund, Regulatory and Development Authority (PFRDA)—agreed to allow their regulated entities to participate.

Providers are interested in these data, in part, because information shared by customers, such as bank statements, will allow providers to better understand customer risk profiles. The hypothesis is that consent-based data-sharing will help poorer customers qualify for a wider range of financial products—and receive financial products better tailored to their needs.
Reference: Datwani, Leena, and Anand Raman. 2020. “India’s New Approach to Personal Data-Sharing.” Working Paper. Washington, D.C.: CGAP.

Cloud Computing and Teaching

Ever since its inception web has been a veritable resource for teaching community. In its early stages when it was popularly known as Internet academic community was using for communication, community setting and file transfer purposes. With the advent of web technologies and more recently of services such as online docs, wiki and many more the usefulness of web has increased in the context of teaching. There are many examples where in people have been using web tools such blog to conduct courses online or supplement their classroom teaching.

The current trend towards cloud computing is expected to give further boost in this direction making web a even more useful resource for teaching. The cloud computing promises to make web the home of all computing resources and allow user to avail on retail basis. This approach which is already revolutionizing the business world has similar potential to transform teaching. There are already examples where in a teacher has combined cloud resources in creative manner to offer course on the web. As in the case of business, the limits are imposed only our imagination

Student Registration Non Aadhaar V02

Student Registration Non Aadhaar V02 

CVL NAD English ( National Academic Depository)

CVL NAD English

AI (Academic Institution) Registration on NAD ( National Academic Depository)

AI (Academic Institution)  Registration on NAD ( National Academic Depository) 


AI ( Academic Institute) Course Creation

AI ( Academic Institute) Course Creation


NAD Concept Video For AI

NAD Concept Video For AI ( Academic Institutions 

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