CASHLESS - GO DIGITAL (Digital Financial Services) - Er. Chhungpuia Renthlei

Digital Financial Services, E- payment an tih hi India ram hmasawnna tura hmalakna pawimawh ber pakhat, pawisa Note tellova tunlai thiamna hmanga thil lei leh hralh “cashless economy” hi a ni. Digital Financial Services langsar zual deuh deuh te chu : Cards, USSD (Unstructured Supplementary Service Data), AEPS (Aadhaar Enable Payment System), UPI (Unified Payments Interface) leh E-Wallet te a ni.

1. CARD : Chi thum a awm a, chungte chu- Prepaid card, Debit card te leh Credit card te a ni. Card hi bank pek chhuah a ni a, card neitu hnena pek chhuah dan a zirin a hman dan hi thliar hran a ni. ATM aṭanga pawisa lakchhuah mai bakah Petrol pump ah leh dawr thenkhatah Bank PoS (Point of Sales) khawl an neih tawh avangin mipui ten awlsam takin card kan hmang thei tawh bawk. Card hmanga dawra thil lei dan han sawi lawk ila. A hmasa berin Cashier hnenah card pek la, POS khawl ah card kha an lo swipe anga, i thil leina man an lo chhut luh sak ang che. Hemi hnuah Card PIN nangman i type lut ve thung ang. Tichuan, i thil lei tur man zat kha I account a tangin an lo paih anga, dawr neitu te account ah a lut ang. Dawr nghaktu in receipt sign sa a pe chhuak ang che.In indawr na a zo fel tih hriat theih na turin mobile ah SMS i hmu ang. Hetiang hian pawisa pe lovin awlsam takin thil kan lei thei a ni.

2. USSD: bank account a mobile no register tel mi tu pawhin mobile hmanga banking services kan hman theihna “Unstructured Supplementary Service Data” a ni. National Unified USSD platform (NUUP) kaltlangin smart phone kher nilo, mobile naran hmang pawha banking service i.e. Bank account-a Pawisa la neih zat hriatna (Balance Enquiry), Pawisa che vel report (Mini statement) leh pawisa inthawnna (Fund Transfer) na a ni. mobile ah 99# kha type la han dial chhin teh.

3. AEPS: Aadhaar Number nena Bank account hawng ten awlsam zawka an Aadhaar hmanga bank an dawr theihna “Aadhaar Enable Payment System” a ni. AEPS hmang hian Sawrkar laipui leh State sawrkar aṭanga tanpuina hrang hrang leh NREGA, Social Security pension, Handicapped Old Age Pension etc. a hmu tur dik takten an hmuh theih phah a ni. AEPS hmanna langsar zual te : Balance Enquiry, Cash Withdrawal, Cash Deposit, Aadhaar pakhat aṭanga Aadhaar danga Funds Transfer) leh Fair Price Shops a thil leina.

4. UPI : Unified Payments Interface tihna a ni a, UPI application awmna smart phone leh Bank account nei te tana smart phone hmanga rang taka bank account pakhat aṭanga account danga pawisa in pek chhawnna “Unified Payments Interface” a ni. UPI application hi a mawlmang a mi zawng zawng tan hman a awlsam a ni. Khawi hmunah pawh rang tak leh him takin a hman theih a ni. Electric, tui, phone bill leh school fee pekna atan a hman theih bawk.

5. E-Wallet : Online a computer emaw smart phone hmanga pawisa inthawnna “Electronic Wallet” a ni. A tum ber chu pawisa ken kher ngailova awlsam zawka thil lei tir a ni. Pre-paid account ang a ni a, a neituin a mamawh huna hman atan e walletah pawisa a dah lawk thei. E-Walet ah hian a hmangtu hming, an thil thawnna address, an thil lei man an pek tur zat leh debit & credit card chungchang information chiang tak a chhinchhiah vek a ni. E-Wallet hman awlai tak a ni a, phone hmanga awlsam taka thlalak thawn ang maiin phone/computer aṭangin i mamawh i lei thei a ni.

E-Wallet hmang turin SBI Buddy download la, phone number register la. I credit/debit card/ net-banking nen thlunzawm ang che. Tichuan, i phone chu i wallet a ni tawh ang.

November 2016 a India Sawrkarin pawisa note Rs.1000/ 500 te a tih thih kha kan la hre ṭheuh awm e. Hei hi sum chheprelh leh hlemhletna tih bo tumna a nih mai bakah digital financial services atana hmalakna chi khat a ni bawk. Tunah hian central sorkar chuan thingtlang leh khawpui sumdawng, mimal, NGO leh Office hnathawkte hnenah Digital Financial Services a kalpui mup mup. Ministry of Electronics and Information Technology, Government of India (MeitY) chuan “Digital Financial Literacy” lam zirtirna chak takin hma ala meka.

Keini Mizoramah pawh Central Sawrkar ruahmanna in National Institute of Electronics and information Technology (NIELIT) Aizawl chuan tunah hian Aizawlah mipuite ziritirna a kalpui mek a. Aw le, IT lamah hma kan sawn zela, kum 2017 hnu lamah chuan zirna in fee, bazar nan te, petrol, gas leh bill hrang hrang pek nan digital service hi kan hmang deuh fur tawh dawn a ni.