NREGS & FINANCIAL INCLUSION

NREGS & FINANCIAL INCLUSION

•What is NREGS?•What is Financial Inclusion?•Why an ICT intervention in implementation of NREGS and Financial Inclusion?•How can ICT help?•Technological Overview •Functional Overview•Methodology for Rolling out NREGS & Financial Inclusion•Critical success factor of NREGS & Financial Inclusion•Challenges•Benefits•Beyond NREGS & FINANCIAL INCLUSION

NREGS & Financial Inclusion

Executive Summary

NREGS: Team Understandingoject

Unique initiative for the BPL/APL population of rural

ICT overhaul of the NREGS to optimize manual processes

Enhancements of Citizen-centric services Consolidation of all Beneficiaries information Biometric Identification and Authentication Defeat malpractices and build transparency Improve socio-economic status of the citizens

Capabilities

Smart Card Production & Personalization Capability in the country

Data Collection experience in India and world-wide

Large Scale E- Governance project implementation experience of similar nature

AFIS (Automatic Finger Prints Identification System)

Software development experience Ongoing smart card projects globally in

harsh Environment

Functional Overview: Financial Inclusion in NREGP

Functional Overview

Data Collection Form Filling Text Data entry

Biometric Capture AFIS GIS Project Monitoring Time and Attendance monitoring (work measurement) Payment Mechanism Data reconciliation for payment Reporting Grievance system Facility Management External Interfaces Smart card printing and issuing Smart card application

Previous Experience

DRC Public workers ($7m) Data Collection (biometric and text) De-duplication (AFIS) Smart card production and issuing Central Data Center

Previous Experience -Data Collection

Previous Experience -Data Collection

Data Collection, Transfer and Storage and Retrieval

Rules for Quality data Capture

Data Collection Process

Data Collection : Verification Source

Data Sources

Benefits Help in planning the district, block and village level

schedule Verification of data in field during data collection Time saving during textual data collection at Village

level

Data Data Source

Parivar Soochi Rural Development Dept

Voter Id State Election Commission

NREGP Records Rural Development Dept

PDS Records Food & Civil Supplies Dept

Data Collection : Process Flow

Biometric Data Collection Process

Block/ I.C.D.S. Project

Anganwadi 3 Anganwadi 3

Anganwadi 3

Anganwadi 3 Anganwadi 3

Anganwadi 3

Group 3 VillagesGroup 3 Villages

BlockBlock/ I.C.D.S. Project

Directorate of I.C.D.S.

Block

District

Physical Transfer via USB\DVD

Data Transfer ViamNetwork

Data Collection : Data Transfer Mechanism

Data Collection : Man Power Scheduling (Pilot)

Pilot: District Data Collection : Scheduling

Textual dataTeam Size : 10 units / Village

Time spent per family : 10 mins

Time taken to cover 1 Village: 2days

Biometric dataTeam Size: 3 units / Village

Time spend per individual: 3 minsTime take to cover 1 Village: 2 daysQueue Management:: 1 unit / Village

Textual Data Collection : 350 Units

Biometric Data Collection:100 Units

Queue Management:30 Units

•Total Time taken to cover: 90 Days

•Total data collected: 1.3 million

•Backend Processing at Patna:60 Units

Data Collection : Challenges

Duplicate registrations Low Beneficiary turnout Extreme weather

conditions Lack of infrastructure Lack of security for

ground staff Rumors and

superstitions about motive of project

Lack of data back up policy

Lack of skilled man power

Data Collection : Milestones

Collection of verified textual & biometric data as per RFP timelineDe-duplication of database as per AFIS (USA) normsCard creation, personalization and distribution of cards to beneficiaries as per RFP timelineHandhelds activation along with cards distribution to initiate e-muster in phased manner

Awareness & Sensatisation

Awareness and Sensitization : Role of Media

Awareness and Sensitization : High Visibility Spots

Awareness and Sensitization : Leaflets

SMARTCARD

SMARTCARD: NREGP & FI

ISO/IEC 14443 Parts 2, 3 and 4./IEC 7816 including specifics as described in SCOSTA-CL (SCOSTA for Contactless Applications) The OS must be certified to SCOSTA-CL by National Informatics Centre HQ, New DelhiISO / IEC 10373 tests compliance for both mechanical and electrical characteristics

Contactless interface ISO 14443A compliantMinimum of 32 KB of non-volatile EEPROM storage for data (excluding meta data)Erase / write endurance of exceeding 300,000 cyclesMinimum 15 Years data retention for EEPROM0.14/0.18 mm CMOS technology or betterWorks with reader field strength ranging from 1.5 to 7.5 A/m RMS13.56MHz RF Field with support for communication speeds of 424Kbps or betterHardware crypto co-processor with AES, Triple DES, RSA, Elyptic curve encryption supportChip must meet Common Criteria EAL5+ and above

Smartcard Operating

System & IC

E-MUSTER: Application Software

e-Muster Application Software

Integrated Workflow Management Replace Manual files and documents Available at following functionaries

Secretariat District Block Panchayat

Will enable functionaries to discharge their roles and responsibilities as per NREG guidelines

Includes of the shelf projects Logins for functionaries according to role and responsibility

MIS Software Generate Reports against queries Web Based Functionaries to generate reports Reports to be design in cooperation with DRD

e-Muster Application Software

Grievance Redressal Mechanism Software Web based Citizens register grievances Citizens see redressal of grievances Fed into Login Accounts (Gov functionaries) Grievances categorised into groups Convenient method of registering (email, webform) Immediate acknowledgement with unique reference Tracking through internet Accountability and transparency (immediate action) Tracking and Escalation (must be attended to within

timeframe) Confirmation to citizen on action taken (email, sms) Internet based with no additional learning for citizen Report generation

e-Muster Application Software

GIS Integrate all data into one common map format Web based Presenting Gov functionaries and citizen with visual

representation of all information Integrate with satellite based real time applications Must achieve the following benefits

Day to day operations as well as long term planning Extend to other departments and will lead to

Office automation Faster decision making Managing records and information between departments Advanced querying, planning, maintenance scheduling, tracking

reporting

E-Muster Web based application : Logical Components

E-Muster Web based application : Deployment Architecture

Handheld Terminal

Handheld: Technical detail

LINUX OS Processor 500 MHZ 256 Mbytes RAM and 256 Mbytes Flash Dot Matrix Printer Fingerprint biometric sensor 508 dpi (FIPS 201) Contactless smart card reader ISO 14443 a/b/c

compliant 128 x 64 graphical screen Inbuilt GPS Voice guidance in Hindi Battery power for 4 hours battery life USB client interface GSM/GPRS/CDMA communication interface

Handheld: Technical architecture

Handheld Device Accolades Demonstration to Dr. C. Rangarajan at a live-site

in Karnataka

Device Demonstration at a live site to Mrs. Usha Thorat , Dy.

Governor - RBI

Facility Management

Stake Holders

Facility Creation: District & Block

Complaint Cell

Call Center at Lucknow Help Desk: Grievance Cell

State Level: Rural Dev. Ministry District Level: DM/ DDC Block Level: BDO

Panchayat Level: Gram Rozgaar Sevak

Capacity Building & Change Management

Change management

Performance Profile during Change

Change Management implementation

Financial Inclusion: Bank Account Opening of

Beneficiaries

Functional Overview: Financial Inclusion in NREGS

Process Architecture

Banks as stakeholders

• Bank account opening for all the functionaries• Payment gateways and integration with the

DoRD wage disbursement agency• Software module integrated to the payment

gateway for ease of fund disbursement to the banks and thereon to the beneficiaries

• MIS reports and info on wages accrued and wages disbursed will be made available on web-site and will be connected to the Grievance redressal module also

Financial Inclusion: Beyond NREGS

Public Distribution Health and Insurance State Pension Schemes Micro Insurance/ Finance Money transfer (Money Order) Bill payment (electricity, revenue taxes, ..) Prepaid recharge for telecom top-up etc. Ticketing (e-tickets) railways etc. NGO cash transaction management etc. Door to door -ATM (door step banking) Identity based applications like Drivers

License, Voters ID Other Employment Generation Program of

Govt.

THANK YOU