Cashless - Go Digital (Digital Financial Services)

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

Cards: Card chi thum a awm a, chungte chu- Prepaid card, Debit card te leh Credit card te a ni. Card hi bankin a 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 ṭhenkhatah Bank PoS (Point of Sales) khawl an neih tawh avangin mipuiten 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 ang a, i thil leina man an lo chhut luh sak ang che. Hemi hnuah Card PIN nang man i type lut ve thung ang. Tichuan, i thil lei tur man zat kha i account aṭangin an lo paih (cut) ang a, dawr neitute account-ah a lut ang. Dawr nghaktu-in receipt sign sa a pe chhuak ang che. In indawrna a zo fel tih hriat theihna turin mobile-ah SMS i hmu ang. Hetiang hian pawisa pe lovin awlsam takin card hmangin thil kan lei thei a ni.

USSD: USSD hi 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 ni lo, 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. I mobile-ah 99# type la han dial chhin teh.

AEPS: Aadhaar number nena bank account hawngten awlsam zawka an Aadhaar hmanga bank an dawr theihna ‘Aadhaar Enable Payment System’ a ni. AEPS hmang hian sawrkar laipui leh state sawrkar aṭanga ṭanpuina 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 zualte : Balance Enquiry, Cash Withdrawal, Cash Deposit, Aadhaar pakhat aṭanga Aadhaar danga Funds Transfer) leh Fair Price Shops a thil lei nan te a hman theih.

UPI : Unified Payments Interface tihna a ni. UPI application awmna smart phone leh Bank account neite 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, hman pawh 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.

E-Wallet : Online a computer emaw smart phone hmanga pawisa inthawnna ‘Electronic Wallet’ a ni. A tum ber chu pawisa ken kher ngai lova awlsam zawka thil lei tir a ni. Pre-paid account ang a ni a, a neituin a mamawh huna hman atan e-wallet-ah 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 taka chhinchhiah vek a ni. E-Wallet hi hman a awl 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 a ni. Ministry of Electronics and Information Technology, Government of India (MeitY) chuan “Digital Financial Literacy” lamah zirtirna chak takin a kalpui mek a ni.

Mizoramah pawh Central Sawrkar ruahmannain National Institute of Electronics and information Technology (NIELIT) Aizawl chuan tunah hian Aizawlah mipuite ziritirna a kalpui mek a ni. Information technology lamah hma kan sawn zel a, 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.

- Chhungpuia Renthlei