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Mediating Financial Inclusion Through Digital Technology: A Critique

In: The Digitalization Conundrum in India

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  • Tara Nair

    (Gujarat Institute of Development Research)

Abstract

The financial services sector in India has been at the centre of the country’s digital transition and the slogan of financial inclusion, its primary driver. The first wave of this revolution occurred in the 2000s when the foundation of an all-encompassing payment architecture was laid and the Aadhaar project launched. The second wave of financial inclusion that started around 2015 leveraged the Aadhaar and payments infrastructures to open bank accounts (under a scheme called Jan Dhan Yojana or JDY) on a mass scale and made all government benefit payments digital and direct-to-account. The financial inclusion programme of India currently rides on what is known as the JAM number (Jan Dhan-Aadhaar-Mobile) trinity. However, many of the concerns about the privacy and security vulnerabilities of the Aadhaar architecture still remain unaddressed.

Suggested Citation

  • Tara Nair, 2020. "Mediating Financial Inclusion Through Digital Technology: A Critique," India Studies in Business and Economics, in: Keshab Das & Bhabani Shankar Prasad Mishra & Madhabananda Das (ed.), The Digitalization Conundrum in India, chapter 0, pages 179-196, Springer.
    • Handle: RePEc:spr:isbchp:978-981-15-6907-4_10
    DOI: 10.1007/978-981-15-6907-4_10
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