Ka Digital Public Infrastructure (DPI) lane ki jingdon jingem digital na ka bynta u paidbah ka la wanrah ïa ka jingkylla ha India kaba ïaid kham palat ban ïa ka jingai bynta lang ïa baroh ha ki kam pisa.
Ka G20 Global Partnership for Financïal Inclusion documentba la pynkhreh da ka World Bank ka la ïaroh ïa ka jingkylla ba la wanrah da ki DPI ha India ha kine ki shiphew snem ba la dep hapoh ka Sorkar Modi.
Kane ka documentka la pyni ïa ki sienjam ba plie lad ba la shim da ka Sorkar Modi bad ka bynta ba kongsan jong ki polisi bad ki kyndon ka Sorkar ban tei ïa ki kam kiba ïadei bad ki jingdon jingem digital na ka bynta ki paidbah.
· Ka jingai bynta ïa baroh ha ki kam pisa:
Da kaba ïaroh ïa ka rukom treikam DPI ka India, ka World Bank document ka ong ba ka India ka la pynurlong hapoh hynriew snem ïa ka kam kaba dei ban shim haduh sanphew snem.
Ka JAM Trinityka la kyntiew ïa ka jingai bynta ïa baroh ha ki kam pisa na ka 25%ha u 2008 sha palat 80% ki riewrangbah ha kine ki 6 snem ba la dep, kane ka jingpynduna por haduh 47 snem ka dei namar ki DPI.
Ka document ka ong, “Katba ka bynta jong ki DPI ban pynsted ïa ki kam ka dei ka bym lah len, kiweikiwei ki bynta bad ki polisi kiba kiew namar ka jingdon ki DPI ruh ki long kiba kongsan. Kine ki kynthup ki sienjam ban don ki ain bad ki kyndon kiba kham plie lad, ki polisi ha ka ri ban pynïar ïa ka jinglong trai, bad ka jingpyndonkam ïa u Aadhaar ban ai jingpynshisha.
Naduh ba la sdang ïa ka, ka jingdon ki account PMJDY ka la kiewlai shah na ka 147.2 million ha u Lber2015 sha ka 462 million shuwa u Jylliew 2022; ki longkmie ki long trai ïa 56% jong kine ki account kiba don haduh 260 million.
Ka prokram Jan Dhan Plus ka pynshlur ïa ki longkmie kiba duna jingïoh ba kin kynshew pisa, ha kaba la don palat 12 million ngut ki longkmie ba pyndonkam ïa kane (haduh u Ïaiong 2023)bad ka jingkiew 50% ha ka balance ha tang san bnai, haba ïanujor bad baroh kawei kane ha kane kajuh ka por. La antad ba da kaba wanrah 100 million ngut ki longkmie ba duna jingïoh ha ki kam kynshew pisa, ki public sector bank ha India ki lah ban khring kumba T 25,000 klur ($3.1 billion) ha ki jingthep pisa.
Ki jingsiew Government to Person (G2P):
Ha kine ki shiphew snem ba la dep, ka India ka la tei ïa kawei na ki kam digital G2P kiba heh tam ha ka pyrthei da kaba pyndonkam ïa ki DPI.
Kane ka rukom treikam ka la kyrshan ïa ki jingai jingsiew kiba kot kumba $361 billionsha kiba dei ban ïoh ïa kane na ki 53 tylli ki tnat Sorkar Pdeng lyngba 312 tylli ki skhim.
Haduh uLber 2022, kane ka la wanrah ïa ka jingtyngkai pisa kaba kot haduh $33 billion, kaba long jan 1.14% jong ka GDP.
· UPI: Palat 9.41 billion tylli ki jingai jingsiew kiba kot sha kumba T 14.89 trillion ki dei kiba la pyndep tang ha u Jymmang 2023.
Na ka bynta u snem mang tyngka 2022–23, baroh ki jingsiew UPI ki long jan50% jong ka nominal GDP ka ri India.
· Ki lad jong ki DPI ki la kyntiew ïa ki kam shimet: Ki DPI ha India ki la kyntiew ruh ïa ka jinglah treikam ki kynhun shimet lyngba ka jingpynduna ïa ki kynrumkynram, ka jinglut jingsep bad ka por ba shim ban sdang ïa ki kam khaii pateng ha India.
Don katto katne ki NBFC kiba la ïoh lad 8% ka jingkylla ha ka jingai ram SME, ka jingtyngkai 65% ha ka jingdunador bad 66% ka jingduna jong ki jinglut jingsep ha ka jingshem ïa ki kam thok.
Katkum ki jingantad jong kito kiba trei ha kine ki kam, ka jinglut jingsep ki bank ban pdiang ïa ki customer ha India ka la hiar na ka $23 sha ka $0.1 da ka jingpyndonkam ïa ki DPI.
· Ka jinglut jingsep kaba kham duna ïa ki bank ban bud ïa ki kyndon KYC
Ka India Stack ka la pynkylla digital bad pynsuk ïa ka kam KYC; ka la pynduna ïa ka jinglut jingsep; ki bank ba pyndonkam ïa ka e-KYC ki la pynduna ka jinglut jingsep ban bud ïa ki kyndon na ka $0.12 sha ka $0.06. Kane ka jingduna ka jinglut jingsep ka la pynlong ba ki bank ki la kham kloi ban ai jingshakri ïa ki briew kiba duna jingïoh bad ka la pynïohnong ban ai ki jingshakri ba thymmai.
· Ki jingsiew kiba tam ïa u pud u sam:
KajingpynïasohUPI-PayNowhapdeng ka India bad Singapore, kaba la treikam naduh u Rymphang 2023, ka ïahap bad ki kam plie lad sha ki kam pisa ïa baroh kaba kongsan jong ka G20 bad ka plie lad ïa ka jingai jingsiew ba tam ïa u pud u sam ha ka rukom kaba kham duna dor, kaba sted bad kaba shai.
· Account Aggregator (AA) Framework:
Ka Account Aggregator (AA) Frameworkjong ka India ka thmu ban pynkhlain ïa ki jingdon jingem data ka India kaba plie lad ïa ki briew bad ki kompani ba kin ïasam ïa ki data jong ki haba ki ai jingmynjur ïa kane lyngba ka rynsan ai jingmynjur digital.Ïa kane ka framework la peit da ka RBI. 1.13 billion tylli ki account ki dei kiba la pynkhreh ban ïasam ïa ka data, ha kaba la don 13.46 million tylli ki jingai jingmynjur ha u Jylliew 2023.
· Ka Data Empowerment and Protection Architecture
Ka DEPA jong ka India ka aibor ïa ki briew ba kin peit ïa ka data lajong bad ka plie lad ïa ki ba kin ïasam ïa kane ka jingtip bad kiwei. Kane ka kyntiew ïa ka jingïoh ïa ki mar bad ki jingshakri ba kyrpang khlem da donkam ïa kito kiba rung thymmai ba kin bei tyngka ha ka jingïadei kaba thymmai bad ki nongpyndonkam bad kumta kane ka wanrah ïa ka jingsaindur thymmai bad ka jingïakhun.
