Page 35 - Banking Finance January 2024

ARTICLE

front of the disbursing agency or getting a life certificate
often becomes a major hurdle in the process of seamless
transfer of pension amount to the pensioner.
It has been noted that it causes a lot of hardship and
unnecessary inconvenience particularly for the aged and
infirm pensioners who cannot always be in a position to
present themselves in front of the particular authority
to secure their life certificate.

"Digital Life Certificate for Pensioners Scheme" of the
Government of India known as Jeevan Pramaan seeks
to address this very problem by digitizing the whole
process of securing the life certificate. It aims to
streamline the process of getting this certificate and and e-accountability with real-time presence and
making it hassle free and much easier for the exchange among the key stakeholders.
pensioners. The 'Jeevan Pramaan' scheme has given a This programme has proved effective in addressing and
sigh of relief to a million of retired government resolving issues by bringing down the inter-
employees. With this, the pensioner will do away with departmental communication gap and thus minimizing
the requirement of submitting a physical life certificate the time taken for implementation of projects and
in November each year and can now digitally provide schemes.
proof of their existence to authorities for continuity of
pension every year. 7. Digi-dhan mela : Villagers will get an exposure to the
use of electronic mode of payment for getting any
5. Digital-locker-India : This initiative eliminates the need government services to boost the cashless environment.
for people to carry the hard copies of the certificates This mela generates awareness among citizens and
issued by states, municipal agencies, and other bodies. merchants about various digital payment channels
Birth certificates, school and college leaving certificates, including Unified Payments Interface (UPI), Aadhaar
residence and marriage proof, and even PAN cards will Enabled Payment System (AEPS), Unstructured
be digitized. For this, the government has rolled out a Supplementary Service Data (USSD) and RuPay cards.
national depository that will hold these records. Each After demonetization in Nov'16, Government gave a lot
private locker will store all the important documents of of emphasis on promotion of digital payments and cash-
users, which are digitally verified by the government. less economy. Digidhan dashboard (www.digipay.gov.in)
Now rather than sending physical copies, the link of that is designed and developed by NIC (National Informatics
cloud folder having digital copies of verified certificates Centre) for accurate reporting, monitoring and analy-
can be shared. sis of all type of digital payments transactions occurring
in the country and enablement of infrastructure
6. Pragati: It is an interactive platform launched for public through deployment of Physical/Mobile/BHIM Aadhaar
grievances redressal. It is aimed at monitoring and PoS devices. The "Digital Payments Utsav," a compre-
reviewing programs and projects of the Government of hensive campaign aiming at encouraging digital pay-
India as well as State Government initiatives and also ments throughout India, was launched by Govt. of In-
addressing common man's grievances. This step is dia, Ministry of Electronics and Telecommunication.
expected to make governance in India more efficient
and responsive. 8. BHIM App for e-transactions, Aadhaar seeding etc.
Hon'ble Prime Minister of India launched this ambitious Through this App, the customer can access his bank
multi-purpose and multi-modal platform - "Pro-Active account and then make payment or send a request to
Governance and Timely Implementation" (PRAGATI) on collect payment by directly approaching the settlement
25th March, 2015, as a part of Digital India program. system.
It is also a robust system for bringing e-transparency In BHIM no need of writing account number. All an

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