As with all new systems of much smaller scale - teething troubles are par for the course. Its important to get this right - but one thing is clear - NOT having solved the IDentity problem in India was very expensive in more we ways than one.
1) Use of OTP-based eKYC should be pervasive - NOT restricted
- ANY Entity registered in India should be allowed to do this
2) Storage and/or Use of the photo or photocopy of #Aadhaar should not be allowed