Thread by @logic

#CashlessConsumer @[e-mail] is at #AadhaarTribunal and is talking on intersection of #Aadhaar and #DigitalPayments / #Fintech.

#CashlessConsumer makes the following demands to seek a reform in #DBT / payments infrastructure

1. A thorough #CAG audit on #DBT infra to officially document the reasons for exclusions (untraceable payments referred in #NITIAayog Poshan report) and detailed report on #APB, compensate the beneficiaries who are denied welfare benefits with interest

2. Policy decision to gradually migrate #DBT to use #NEFT (run free of cost by RBI wef 1.1.2020) instead of NPCI owned #APB infrastructure which charges ministries implementing #DBT delivery.

3. Mandate all banks to issue debit/ ATM cards free of cost for all account holders & specifically for PMJDY holders as a first step towards phasing out #AePS & replacing it with debit card-based Micro ATMs to prevent fingerprint cloning frauds, exclusion errors.

4. Conduct a public consultation to implement a clear legally enforceable transparency & accountability structure for the National Payments Corporation of India. NPCI is delivering a public function of subsidy delivery and has to transparent #RTI and accountable to public.

#CashlessConsumer will be authoring a detailed report on #APB #AePS to document both structural and operational issues in #DBT, provide ground level feedback and seek a full stakeholder dialogue to address delivery infrastructure, focused on payments to improve welfare delivery