Aiming to target the Digital India dream, the government is coming up with a unified mobile platform and application – Unified Mobile Application for New age Governance (UMANG ). UMANG will enable access to e-Gov services to all the citizens of India. It will be a master app with integrated services such as national scholarship, CBSE/State Education Boards, passport services, income tax, women safety, e-Post, land records, DigiLocker and many more offered by Centre, states and even from local bodies & their agencies.
What is UMANG?
UMANG is an acronym for Unified Mobile Application for New Age Governance and will be developed by the Union Ministry of Electronics and Information Technology’s (MeitY) National E-governance Division (NeGD). The app will integrate 200+ government services which would be available on an app, an SMS service and IVR.
Why do we need UMANG ?
Presently there are plethora of apps by various government departments for citizens to access e-Government services. Different apps for different e-Gov services lead to confusion, resulting in the lesser usage of apps.
UMANG, a revolutionary app will address the above issue along with making the entire gamut of e-Gov services available under one roof.
- UMANG will add convenience offering single unified platform.
- UMANG will be easy to use and will be available in multiple languages.
- Citizens of India would be able to find all government services at a go.
How will UMANG work?
User has to download just a single app to access all the e-Gov services integrated on it. The app will store the personal details, preferences of the citizen eliminating the need to re-enter the details every time. UMANG will also include documents such as Aadhaar Card and DigiLocker. The app will be available in 13 languages over smartphone and internet.
Features of UMANG
- One App, URL, SMS Code and IVR (Toll Free) Number
- A robust cloud based platform at the back-end
- No duplication of efforts => Efficiency, Lower Cost
- Convergence of efforts
- Unified Access
- Multilingual Access and Support
Spice Digital and UMANG
Spice Digital has always been at the forefront in bridging the digital divide in the country. We are now a proud partner agency for design, development and delivery of UMANG project. Our skilled technology team is developing UMANG Platform and with extensive experience in app development, we are also facilitating the integration of department APIs & providing maintenance and development support.
India is witnessing a Fintech revolution owing to technological advancements and various Government initiatives. One of the most talked about initiatives is Pradhan Mantri Jan Dhan Yojana which aims to ensure access to various financial services — savings bank accounts, availability of need based credit, remittances facility, insurance and pension to low income groups across India. However, the last-mile of cash-disbursal remains a challenge even today with only 2,25,000 ATMs for all banks against the population of about 1.2 billion.
Cash Withdrawal using ATM – A challenge to unravel
Though the number of ATM per million population is increasing i.e. from 105 in 2012 to about 300 in 2017, yet ATM market is underpenetrated in India. The country has approximately 120 ATMs per million people.
ATM Market Comparison
- US has about 1,500 ATMs per million people
- China has about 350 ATMs per million
- India has only 120 ATMs per million people
Also, the cost of operating and maintaining a conventional ATM is higher and includes factors such as 24*7 power availability and security. These factors make ATM an unviable option to scale up cash out facility in semi urban/ rural areas.
New Age Banking Solution – Spice Digital launches Aadhaar enabled Mini-ATMs
With continuous efforts to bridge the divide between the served and the underserved, Spice Digital has launched Aadhaar enabled Mini-ATMs and will be shortly offering the services to customers at Spice Money retail counters. We have been authorized by the National Payments Corporation of India (NPCI) to offer Aadhaar Enabled Payment System (AEPS) services.
This service shall bring rural masses and low income groups at par with their urban counterparts. Technology and Aadhaar would play an imperative role in bridging the digital divide in India by extending banking services to all including low income groups.
A user can visit any Spice Money retail outlet near to their home or work to withdraw cash by providing the following details –
- Issuer Identification Number (IIN)– It is a unique, six digit number issued by NPCI to bank. Previously known as BIN or Bank identification number, IIN identifies the bank to which the customer has mapped his/her Aadhaar number.
- Aadhaar Number
- Fingerprint captured during their enrollment
- Amount to be withdrawn
With mini-ATMs withdrawing cash is now easy, secure and convenient. Read our blog – AEPS – Leading a Way to New Age Banking to know more about Aadhaar enabled payments.
Interested to join our team! Visit our page – b2b.spicesafar.com