Weakness in "Go Digital" moment can push it back ?

Recently one of the leading opposition party and its leader's twitter account get hacked and voices start raising that does India is ready with "Go Digital" moment or "Cashless" moment, does India is ready handle the Digital era where our Country is far behind in literacy compare to many Developed Country. Well the thing is hacking of twitter account can't justifies the insecurity of the Digital era but indeed we're less prepare before a massive push. As I tried to bring out a fact that people who themselves chosen the digital mode for payment and shopping are basically because of some tempting offers from the company and not because they think its a future need. I remember of my time when University start taking College exam fees online without giving a proper knowledge on how to fill it, those days despite internet charges are quite less compare to today but had lots of weakness in the system like slow internet, slow respond time etc. etc. Those days forget about Internet even Smartphones was not a cup of tea for everyone and less supported. Phishing, Hacking was the new terminology and systems are not ready enough to fight the challenges. Except doing needful from Cyber Cafe a guy had no other option. Those days Banks just got a additional responsibilities without enough preparation but yes Universities and Banks was always ready to charge processing fees and annual fees for the maintenance of the system like we have opted the thing by choice and not like a rule.

Logo belongs to Digital India (Official Website: Government of India)

For next 1 or 2 years after launching the Online filling of a Exam Fees everyone used to be like a bully infront of the system. Those days due to high traffic even University Website remain down for most of the time, the form got open to fill just days before of your exams and except to pray for the successful transaction you got no other choices. You sit to fill the form very slowly University Website redirects you to the Bank Website, Bank Website ask you to change the password those days since Online Transaction was quite less need of Online Transaction was less as well hence obviously you have to encounter the password change activity all the time during the Exam Form filling, then after doing so process would start further after all this activity you finally found out that your form didn't filled but amount got deducted those days you won't even get confirmation message many times like today you got 80 out of 100 time so what just pray and keeps on checking the University Website. Obviously a big source of traffic used to increase because of this reason as well and if University start monetizing their websites then quite easily they would have make a lot of bucks for maintaining their system and update it with superior plans, well thats might happen or may not be but saddest part was that time or even before 2 years that Engineering students used to relied on less educated Cyber Operator for this entire process, I am not sure about current scenario but if Majority of Engineering student still believing to do a online transaction from someone else who is less qualified then you then its a mockery of a push of Go Digital and mockery of higher education in the Country which is already quite a costly affair to be honest.

No way we shouldn't move towards the Digital Era but less education towards it made things quite difficult for people to handle the technology which is known to ease your work rather then making it difficult. Not everyone has mail, not everyone has internet, so its not like everyone is quite sound of implication of the new gen technology also even if organization tries to it doesn't mean it reaching to everyone meaning of phishing and hacking should also being described in a simple way in every mode of communication which will help to reach people to people. We got many changes in society like from Paper Valet elections to EVM which is highly appreciated and accepted by everyone who cast his or her votes. Decade old ATM too accepted by most of the percentage of people but accepted quite late and not all of the sudden, similarly better management can deploy the planning more smoothly and efficiently. Indeed youths are more smart and progressive towards the digital era but system needs to be as well. When I wrote Deal with DeMonetisation or Deal with Politics !! I raised the point that we yet to got E Wallet from Govt. of India. After Demonetization exercise only push towards the RUPAY card increased not before it was when things was like as always. Banks are even asked to promote cashless transaction but surely push and forcing is a two different things and opposite to each other. We got twisted system, we got supercilious system, twisted one is quite easy and the other one is not every ones gettable.

Youths are in majority and they know the usage of E Technology well, younger generation are more keen to get a hand of to experiencing something new. You will found saying many with proud that they're the BETA tester of either a Mobile App or Mobile OS, no matter BETA testing is to realize the bugs and feeling the vulnerability but getting some extra features despite its not safe compare to normal users always excites the youth and thats why the growth and development in the IT infrastructure is quite high which is now expanded and reached in every corner of Household. Indeed a start is always a necessary if you're heading to foot towards the next gen era and then a push which is equally required to make sure that a start gets its destination. With Go Digital Era we got many options like Prepaid Cards, UPI based Apps from Banks and other third party developers, Mobile Wallets, Netbanking, Debit - Credit Cards and *99#. Yes in all the given options has some flaws, from that Net Banking is considered as one of the safest of all since transaction from the Net Banking need two passwords like Login and Transaction one along with OTP in the mobile but yes if not have Laptop and Computer then through Mobile any noob will stuck into it, Gateway failure will cause people a lot and ofcourse you will get a money back after 7 to 8 biz days if amount deducted but transaction not confirmed in this method. One of the weakest link from the above given options are Credit card which can hacked and can be made duplicate as well. Mobile Wallets becoming a good option but only verified ones are the trusted one. *99# need a good development since dependent on Aadhaar Card and Less choices are equalizing it as less effective.

No doubt that Digital Transactions are not safe but does it mean we won't take any step further and won't opt in near future ? Even we're using cash transaction its quite popular too but does we stopped using it after fearing from pickpocket ? Nope we have to be smart a little to safe ourself from the trouble. Giving importance to cashless transaction doesn't mean you start doing transaction in every worst case scenario, sensible and intelligence is the key always but yes we have to be ready with the future aspect all the time. One thing is needed and I guess most demanded is the processing charge, at this moment still some services deducting the processing charge which is a kind of curt in any such revolutionary moment. Yes you need money to manage system, servers but doesn't mean the cost should be charged from those who basically making the E era popular ? There are plenty more ways to support the maintenance cost, today when you check out IRCTC website for a example then you will found that it is well monetized quite well and must be earning too as from Ads but still IRCTC charges processing fees !! infact the more IRCTC pushes the E Transaction the less they needs to worry about the Man Power in Ticketing Counters. When a Government today strengthening the Digital India initiative with full force infact our PM got his own Mobile App then is quite easy to think about to launch a Government build Mobile Wallet too and effectively connect all Agency like IRCTC, BSNL, MTNL, State Electricity Board, Corporation Boards into it, it will not only help to save Crores of Rupees of Government in Manual Effort but also from Paper Formalities.

Its a time for every citizen as well to distribute a basic knowledge towards a Cashless Transaction and Digital Technology not in big frame but atleast in small circle whenever gets a opportunity, who knows any small effort can make a big difference towards building our Nation again. 

Deal with #DeMonetisation or Deal with Politics !!

Whether to politize the issue of Demonetisation or not but fact will remain that to bring the life back in Indian economy someone had to make a decision to abolish the old currency with the new one. No doubt that its a beauty of democracy that every tough decision will be challenge in the people's house but when it goes beyond the boundaries or in road then things won't look good for the benefit of the people but looks to be more personally motive then fight for the change. When a Person elected to lead the Country with full majority after doing promise to end the black money and its market and later he did proves his promise with a action in reality then in that step we needs to stand with the motive rather then questioning on the decision. Its not compulsory that every decision have to be perfect and would not have any negative effect also it may not that easy to implement as its in theories but one thing for sure that Black Money and Corruption are the two major links to destroy any Country's Economy and its Growth. With Black Money not only the people are running from the responsibilities to be a participant of Country's Development but also decimating society by parting into two.

Image taken from BharatKhabar.com

Few people got too much in the society and few are struggling with their basic needs. There is a cruel reality in the society that below poverty level peoples sustenance are drugs to remain alive, it means that forget about two time meal its hard to have one chapati itself in a day thats why consumption of drugs in extreme poverty line are more and small kids and womens are addicted towards it because of unbearable hunger but interestingly at the same time every year crores of rupees of foodgrains destroys during Mansoon because of not having enough shelters, this loss causes Farmers financially as well and literally break them down. Government surely comes forward to cure the trouble but any relief program take its own time and pace before to reach to the end person. Government then charges tax to cure their own loss which hike the prices of every need of a human to survive and at the end of the day poor remain poor which struggled to have food, Government remains busy to settle down the problem before to face another, farmer remain ignorant. But whats the moral of entire cycle ? Had system has the resort of our one basic need we could have see the all new different Country today. Still many states are yet to bring Food Security and moreover Food Security Bill once become the battle of great politics too when its motive was questioned due to its timing.

There is no harm to raise finger, there is no harm to ask question but is it right to oppose every good thing all the time ? I think that is one of the reason why India never being a super power and busying blowing a self made trumpet, when I wrote Can India become a next Super Power ? I tried to bring a very little over politics but reality is that unless politics are happening from open mind and clean heart with a vision in eyes and jobs in hand no one can stop the Country being a Super Power or to become Superior Leader of the World. I think politics's another meaning is dealing with reality as well, you have reason, if you have will to face the challenges and if you got mandate to overcome the odds then you should do it rather then waiting for the time as opportunity won't wait. There is another reason why India never drive the World rather then being driven is because of lack in unity, there is no support but have lots question behind the intentions. Yes question needs to be asked and have to be answered but will be in the cost of image damaging ? Today in the World if you're weaker inside then will be weaker from outside as well.

One of the biggest reason why India's Economical part is still struggling is because still we're far behind to adopt the E Cash facilities relying on Cash based transaction more. Cash in the market and if its not returning back into the source then surely a fall of economical structure, If in any Country Small Denomination Notes start revolving perfectly then surely that Country doing tremendously well in economical zone. Government may trying to bring the big notes from which expenditure increases and it get easily consume but does Government thinking to strengthen the source of Income as well ? Nowhere days getting Rs. 8000 job is very tough and spending Rs. 8000 in a day is very easy, money stuck in because of no job security, not a attractive package hence reason of expenditure is also quite less. If money start releasing in a weekly basis rather then in a Monthly basis then surely people will have more planning and spending as well but there should be a fix minimum amount which a person will get anyhow rather then being on hold in a system.

Today our Finance Ministry may be pushing to bring the economy back but it looks to be a one time process and that too bringing Money for their own dream projects and plannings, this move still not assuring the income of middle class and lower class family. Motionless structure means failure of economical growth which is registering its steady pace and not working towards a big moment. No income and no money led the system dried and cold. Till now Black Money impacted the Country and as mentioned still we failed to adopt the E Cash facility, India's own RUPAY card struggling to create its own place infront of International Giants. Indian Banks though providing International Debit Card but far behind to educate peoples on the usage of it, many still believes to be it as a ATM Card and many still didn't opted it because they don't know how to operate it. We still yet to have "On the Go Era" in the Country. Its not wrong to say that all the E Payment websites started in the Country with a huge cashback offers but when they become famous they brought a huge cut off now it looks like that Companies are happily able to bring investment home from past figure and stats.

To be honest today Country need Political Will, Political Support to secure Peoples life in a better way by creating better opportunities and make sure that everyone got a better lifestyle by that only industries after industries will able to flourish and we have the economical transform. This will be the only way Country will be strong on every pitch and will ables to appeal more infront of the World, its very easy to shout in every corner for everything but will it be helpful for the people who impacted from the blow ? Becoming voice of a voiceless is welcome infact we needed many in every front but becoming voice to cut another voice is quite harmful and painful because it only raise the voices which will override the actual cause. Implementations should made in a better manner but just to fear of this we can't keeps on pushing till it become more worse. Its being said that better face the heat when flames are light rather then when its in full force. If you has strength and power you can create history or you just keeps on waiting. Today we're living in the era of "Now or Never" there is no second and third choice hence its better to do and get criticised rather then get criticised by doing nothing because if intentions are clear then will be applauded but if intentions are wrong then have to pay the price of consequences.

What a Rs. 500 and Rs. 1000 to bowled out Black Money !!

November 8th 2016 never being thought of a day of Economical Transform, the day we always being known for the foundation day of probably the future of cashless Country. Rs. 500 and Rs. 1000 which are still lying with us are in no use now, strange you go to the market and try to buy anything that amount won't be accepted instead you can use cashless. One of the strong step which is ever needs to be taken by the Govt. to curb down the Illegal Currency, Black Money and Corruption of the Country. Such bold steps needs a courage was a need of the hour as well, just imagine peoples who're holding bunch of bundles of currencies now forced to exchange the money from the bank and post office to live the day to day life. Its not that this is the end of the story but in 50 days you can't change all of them. As already Finance Minister Mr. Arun Jaitley told to DD that this is not a immunity program for any corrupt because either bring the money back and face the consequences or burn it, that will also burn the glorious tomorrow as well whosoever believes to have one. This moment is more pleasant because there is no place of deadline, action was instant, fear for bad welcomes by good.

Graphical Edited Image

But its not that there is no complexities in this decision there are huge of them. Commoners have to struggle to get new Rupees first. There are emergencies, plannings all has shaken up in one moment. People who're waiting for their goods to arrive via Courrier how they will pay ? Same with Domestic Retail Market as well. Consumer need Money to buy essential goods at the same time Seller needs Money as well to get a goods for selling. Important thing is that at this stage its not a time to hit a panic button but to stand together and help each other, indeed private market can't be trusted to consume old notes hence to protect people from long queues more Govt. Agencies needs to be assign for this task. Also to make sure that more small notes like Rs. 500 distributed in numbers rather then Rs. 2000. Now commoners will surely face a issue with Rs. 2000 to consume in small market, if indeed market go cashless then its a great moment otherwise with the popularity of bigger notes will increase the inflation as well. Consuming Rs. 2000 and getting change from will be difficult and small business groups always believes to keep the change.

Pic Source PMO (Prime Minister Office) to educate people

Industries which are named to be get impacted are Real Estate, Health and Education. Till now excessive of cash was full filling the industries need and unless demands are getting full filled prices have to be raise all the time. Changing the entire currency policy will obviously bring out the currency from everywhere and mostly trusts which runs Hospitals, Schools will bring out the old currency outside and then whatever they got they will use to spend from that only. It means any Cash Rich industry will not able to use the old currency and they have to go through the Banking procedure and have to register their entire bundles of money which is a one such way to tackle the out of control economy where someone got more and someone got very little. This vary step is a strike against Criminal and Terrorist Activities as well as most of the time we say that a Nation has to fight with the internal enemies first to destroy the outsider ones. Unless a country can't fix their internal issues they can't fix the outsiders as well. This step will indeed a hitch of many Anti Indian Activities which got hurt without even using any Gun and Bullets.

Pic Source RBI (Reserve Bank of India) to educate people

Its not that the entire process is quite easy but one thing for sure many have to be on long queues to collect new currencies. Lots of efforts, time, energy will be on the line lots of strategies needs to be made which can easily bypass the old currencies with new ones. As any commoner got only 50 days to have new currencies on hand. As I mentioned if ATMs start distributing Rs. 2000 straight a way then it will be quite difficult for the peoples to consume it, hence Govt. needs to work on small currencies very efficiently, there have to be a effort on all this as big amount comes in working then inflation have to get increase, if there is a need of increase in expenditure then distribution too needs to be take care of it, from hike in Salaries to Big Incentives which are still out of every youths equations. Infact today even Jobs are big priorities more then what peoples are actually expecting for. Its not easy for any youth to even search a good job without having any significant backup then how can we expect hike in expenditure despite of no savings in current scenario itself. Yes no doubt any good policy need time to get implemented as the policy have to fight from the system first to go live but if policy are reaching to end person then its a victory for those who were involved behind it. 

Pic Source RBI (Reserve Bank of India) to educate people

Step is taken but the only thing is left is a success for the entire concept and only people behind the concept can make it possible as there will be a case of panic, malaise between peoples who has lots of bills to pay, lots of dues to clear at the month start such decision is really difficult, agencies should make sure not that there should not be any cash shortage and the flow remains continuous as time limits are short and a huge demand to fulfil, they also needs to be ready to fight against any spoilers which can create a crisis, at this moment its a time to bring back a confidence among peoples as we might be positive today but with failure in planning stage we might forced to criticise the entire cause as well. As I mentioned that peoples have to give their time, their energy on this particular moment, similarly peoples from Banking sector have to be give their double to match up the expectations. There will be joy, happiness whosoever gets a new currency in very first day, there might be a faces of dishearten and disbelieve as well from the entire concept. Overall moment need everyone's contribution and support and surely since India start walking towards the path of corruption free Country victory will be achieve one day for the better tomorrow.