UT Administration of Daman Diu Promoting Digital Payments

UT Administration of Daman & Diu Promoting Digital Payments in Daman 11/12/2018

2 Digital Payments Revolution Daman has seen the transformation from cash dependent society to less cash society in last two years and is rapidly moving towards becoming a Cashless Society.

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Strategies and Methodology 1. The Initiation of awareness of Digital Payments: Train the Trainers 2. Mass Awareness Activities 3. Targeting Specific Sectors & Groups 4. Tapping the Industries 5. Launch of Mega Cashless Campaign : Booth Level Management 6. Reaching the Masses (Door to Door Campaign) 7. Special Initiatives & Results 8. Self Assessment Methodology 4

Strategies & Methodology: 5 1. Training the Trainers Around 1000 people were provided Extensive Training on Digital Payments in groups: All Secretaries, officers and staff of the UT Administration of Daman. Head masters, teachers and students of all Schools & Colleges. Police Personnel and Excise Guards. Elected representatives like Councilors, District Panchayat members, Sarpanchs and Ward members. Members of Educational Institutions, Trusts and other organizations. Owners of Shops & Establishments, Bars, Restaurants & Hotel owners, Petrol pumps. Hawkers, Vegetable & Fish vendors and Auto Rickshaw drivers.

6 Strategies & Methodology: 1. Training the Trainers Training of Officers & Government Staff Training of Police Personnel 6

7 Strategies & Methodology: 2. Mass Awareness Banners and Hoardings Mass SMS Facebook & Twitter Page

Strategies & Methodology: 8 2. Mass Awareness Administrator addressing Sarvajanik School students, Daman Administrator addressing the school and college students at Shree Macchi Mahajan Educational Campus

9 Strategies & Methodology: 3. Targeting Specific Sectors & Groups Merchants & Kirana Shops Transport Facilities Petrol Pumps Electricity Bill Collection Government Departments & Offices Common Services Centres Small Traders & Service Providers Vegetables & Fish Markets Shopping Centres & Retail Shops Ration Shops Industrie s Liquor Retailers, Bars & Restaurants

Strategies & Methodology 10 4. Tapping the Industries • A special meeting, with more than 700 industrialists of Daman & Diu organized in December, 2016. • Industrialists were imparted training on various modes of Cashless Payments and were urged to ensure that their employees and workers also switch to Cashless Modes of payments Interaction with Industry Representatives at Government House

Strategies & Methodology 11 4. Tapping the Industries Ø 3, 000 industries in Daman, around 85, 000 migrant workers. Ø As on Nov, 2016 only 65 % workers had bank accounts. Ø Target: all workers to have bank accounts and ATM / Debit Cards before 19 th December, 2016 Ø Industries to make payment only through bank accounts. Ø Special camps in Industrial Areas Ø Opening of Bank Accounts Ø Awareness of alternate means of payments e. g. e-Wallets, Net banking, Card Payment etc.

Strategies & Methodology 12 5. The Launch of Mega Cashless Campaign Ø Launch of MEGA CAMPAIGN by the Administrator Ø Involvement of all elected representatives Ø Bankers’ Kiosks for opening new accounts, issue of Debit/ATM Cards and to promote Cashless Transactions. Ø Hierarchy of Officers: Secretary- Director-Supporting Staff Ø Real Time Data Sharing over Whats. App Group Ø Forming of 140 teams, identification of Booth as a unit, door-to-door campaign and intensive training session for team of 10 people-consisting of nodal officer, teacher, 6 -8 students and one IT resource person. Ø Each team was provided with a kit containing reporting format and publicity material, t -shirts, caps.

Strategies & Methodology 13 5. The Launch of Mega Cashless Daman Campaign Administrator addressing a gathering of more than 3000 people on 3 rd December, 2016 Launch of Mega Campaign“���� , ����� 13 ���� ”

Strategies & Methodology 14 5. The Launch of Mega Cashless Daman Campaign Intensive Training of 140 Teams headed by Booth Level Nodal Officers Debriefing of the teams after completion of door-to-door 14 on 1 st Day campaign

Strategies & Methodology 15 5. The Launch of Mega Cashless Campaign The target of each team was to ensure: • In every household at least one person is made capable of carrying out the e-Banking transaction. • All the shops and establishments were trained to use POS machine, e-Wallet Mobile Applications, etc. to accept cashless payments. • Assist people in installation of Apps and encourage them to carry out a transaction of minimal value in their presence- Carrying out a Practice Test • In the first phase of two days extensive campaign, more than 25, 000 households, shops and establishments were covered. • All the Secretaries, Field level officers including the District Magistrate, Sub-Divisional Magistrate, remained on the field continuously for two days.

Strategies & Methodology 6. Door to Door Campaign 16

17 Strategies & Methodology 6. Door to Door Campaign 17

Strategies & Methodology 7. Special Initiatives & Results Ø Public Representatives: Helped in reaching upto the Grass-root Level Ø Electricity Department: Carries Promotional message on the bill and the bills are delivered Ø Ø Ø by officials who provide hands-on training to households Government Departments: All Government Departments and Government Collection Points, Common Services Centres equipped with Digital Payment Facilities Use of Technology & Social Media: Mass SMS, Videos involving students, teachers, small vendors were made and circulated over Whats. App, Facebook, Twitter, etc, Electricity App Industries: All industries moved to 100 % Cashless Payment of Salaries to workers Distilleries and Liquor Wholesalers: Moved to 100 % Cashless Transactions Petrol Pumps, Liquor Retailers, Bars & Restaurants, Hotels: 100 % having Digital 18 Payment Facilities

Strategies & Methodology 8. Self Assessment Methodology • Innovative Assessment Mechanism and a Policy Intervention • Administrator’s Relief Fund was constituted • Appeal to the citizens of Daman to contribute nominal payment of Rs. 5/for the purpose of promoting Children’s Education and other Welfare Activities through any of the Cashless Mode of Payment • Total approx. cashless transactions carried out in the particular period of 5 days: testing parameter of the Cashless Campaign : More than 13, 000 Transactions 19

Achievements: 20 Government to Government Payment – 100 % Digital Government Payments to Beneficiaries – 100 % Digital (DBT and AADHAR based PFMS) All Government Receipts – 99. 4 % Digital (compulsorily Digital for Rs. 1000 and above) Reaching the Grass-root Level – All households and shops covered over various phases Bridging the Digital Divide - Financial Inclusion through Digital Literacy and Empowerment Ø Savings by Workers, Economically Weaker Sections Ø Check on Leakages – Excise Duty Evasion and Smuggling of Liquor controlled, Workers’ salaries on time and as per agreement- relief from middlemen Ø Convergence with Go. I Schemes- DBT, PFMS, PM Jan Dhan Yojana, Kisan Credit Cards, Aadhar Enrolment, PMSBY, PMJJBY, PMMY, Widow/Old-Age/Disabled Pension, Scholarship Schemes, PMAY, SBM Ø Ø Ø

Challenges: Ø Shortage of Po. S Machines Ø Digital Divide Ø Apprehension of masses to move towards new technologies Ø Opening of Bank Accounts of Migrant Workforce Ø Transaction charges on Po. S Transactions and E-Wallet Usages 21

22 Going Cashless Daman - Digital Payments by Government: April 2017 (in percentage) Daman - Digital Payments by Government: Dec 2018 (in percentage) Digital Payment Cheque Payment Cash Digital Payment 86. 43% Digital Payment Cheque Payment Cash 13. 57% 0. 00% Cheque Payment Cash 96. 34% 3. 66% 0. 00%

23 The Unceasing Revolution • • Administration-driven to Citizens-driven Approach Constant Monitoring Help Desks at all Common Services Centres Financial Literacy Camps

Bank accounts seeded with Aadhaar and Mobile Numbers Daman District Till 1 st Dec, 2018 27 Banks 40 Branches 24 Total Number of Saving Accounts 2, 88, 498 Total Aadhaar Seeding in Bank Accounts 2, 87, 109 % Aadhaar Seeding 99. 52% Total Number of Mobile Seeding with Bank Accounts 2, 75, 989 % Mobile Seeding 95. 66%

Panchayats in Districts enabled with PFMS Facility Daman has total 11 Panchayats All Panchayat funds are disbursed through PFMS only All Panchayats have Cashless fund collection facilities at Citizen Sevices Centres (Saral Seva Kendra) Cashless Citizens Services(G 2 C, B 2 C) provided at CSCs: 37 Copy of Revenue Record: 1/14 copy Electricity Bill Payments LIC Premium, etc 25

Digital Payment facilities at Ration Shops & Fertilizer shops 26 Ration Distribution at every Fair Price Shops (FPS) in Daman district is through Aadhaar Enabled POS Machines. And it is connected to Centralized Online Portal of NIC, New Delhi. POS Machines and other Digital Payment Facilities are provided at all 38 FPS POS Machine and other Digital Payments are provided at the Fertilizer Shop Special Mention: All 10, 000 Fishermen purchase Diesel at subsidised rate through cashless methods only (100 % Cashless) Ration Cards Beneficiaries Digitization (%) Aadhaar Card Seeding (%) 24039 88303 100 % 99. 99%

Revenue Offices having Digital Payment Facility in a District 27 All Departments & Offices of UT Administration of Daman including Revenue Office are accepting payments through various Digital Modes e. g. POS Machines, BHIM App and Aadhaar Enabled Payment System. In last two months, Tehsil Office in Revenue Department has seen 100 % Cashless Transactions.

Offices having Digital Payment Facility in a District 99. 9 % 0% 28

Increase of POS Machines in Daman Nos. of POS Machines in Daman 1200 1116 1100 1000 900 Nos. of POS Machines in District 800 700 600 535 O ct -1 N 6 ov -1 D 6 ec -1 Ja 6 n 1 Fe 7 b 1 M 7 ar -1 Ap 7 r. M 17 ay -1 Ju 7 n 1 Ju 7 l-1 Au 7 g 1 Se 7 p 1 O 7 ct -1 N 7 ov -1 D 7 ec -1 7 500 29

Collection of Electricity Bill Payments through Digital Mode 30 Collecting Electricity Bill Payment through various Cashless Modes in Daman district like Internet Banking, Credit/Debit Cards, POS Machine etc at all collection centres. E-Payment facility : www. dded. gov. in Department has Google Play Store Mobile Application, BHARAT QR code and BHARAT bill pay facility Payment service available on UMANG platform launched by Go. I.

31 Other Facets of Digital India Bharat Net Common Services Cetres Aadhar JAM Trinity e. Hospital/ m. Aarogya NSP Digi Locker Ge. M E-way Bill

32 This is not THE END But a New Beginning…