Digital India : Empowering Citizens

RS SharmaChairman, Telecom Regulatory Authority of India (TRAI)

cp@trai.gov.in

A Mission to transform India into an empowered society and digital economy

Digital Infrastructure as a utility to every citizenGovernance and Services on Demand

Digital Empowerment of citizens

Nine Pillars of Digital India

JAM Trinity

•A massive program of Financial Inclusion•More than 200 million bank accounts openedJan‐Dhan•Digital‐online ID Infrastructure•More than a billion IDs issued•Unique, online  and AuthenticableAadhaar•Tool to access internet and service delivery•More than a billion mobile phones in India•Lowest tariffs in the worldMobile

Aadhaar Powers Various Applications

AadhaarUniqueness

AuthenticationeKYC

PaymentsMobile SIMs

Consent Tokens

Tax Compliance

Proof of Presence

Access Control

Enabling Privacy

Life Certificates

eSign

Digital Locker

DBT

Thanks!

Features of Aadhaar

Only Numbers – No Smart Cards

Random Numbers – No Intelligence, No Profiling

Voluntary in nature

All Residents – Including Children

Uniqueness – Ensured through biometric attributes

No Guarantees to Citizenship, Rights, Entitlements

Ensuring Security and Privacy of Information

Ubiquitous Authentication – From No ID to Online ID

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1 Billion in 5½ Years

Source: Data from http://www.uidai.gov.in

950 M

600 M

300 M

100 M

50 M

1064 M

A Ubiquitous Digital Identity Infrastructure for a digital India

Aadhaar system can authenticate

100 Mtransactions per day, in real time!

• Uniqueness and Existence ensures no fakes or duplicates• KYC for multiple services : Bank accounts, Financial inclusions, Mobile Connections, Social Assistance Programs

• Entitlements should reach the intended beneficiary – non‐transferability can be ensured by authentication at the point of service delivery

• Many domains will be able to use as a proof of presence for the beneficiary 

• Identity platform for various domains• Aadhaar online authentication provides a common platform which can be used across all applications. 

Service Delivery Potential of Aadhaar

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We will go from data poor to data rich nation in 5 Years!

Digital Identity

PaperlessProcess

Commerce

Payment

Social

Machine Learning & Algorithms

Cashless, Paperless & Presence-lessService Delivery

PRESENCE-LESS LAYER Aadhaar AuthenticationUnique digital biometric identity with open access of nearly a Billion users

CONSENT LAYER Open Personal Data Store, E-sign

Provides a modern privacy data sharing framework

PAPERLESS LAYERAadhaar e-KYC,

E-sign, Digital LockerRapidly growing base of paperless

systems with billions of artifacts

CASHLESS LAYER IMPS, AEPS, APB, and UPIGame changing electronic payment systems and transition to cashless

economy

COMMERCE(GSTn)

CREDIT(RBI)

INVESTMENTS(SEBI) OTHERS

I N D

I A

S

T A

C K

SKILLS

JAM Jan Dhan, Aadhaar, Mobile

Aadhaar is one of the most critical enabler for India’s technology stack

Aligns market goals with social goals

No physical presence required (reduces more costs)

Increases trust - allows a new business architecture to emerge

Broad based, ubiquitous, inclusive platform

Cuts Onboarding Costs

Cuts Transaction Costs

Allows Innovation

Why is the India Stack disruptive?

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