251 techniques to perk up Safe eTransactions in India-Part 1

Phase I – All Metros

Phase II - All Tier I and Tier II towns

Phase III – All Tier III and IV towns

Phase IV – All Tier V and VI towns 

The Most Important:  All Household LPG cylinders delivery staff be equipped with Mobile POS Machines. Payment through Mobile POS only. Cash payments to be banned 

Sr No	Technique
01	All Central Governments payouts  in Digital mode only
02	All State Governments payouts in Digital mode only
03	Phase out of Treasury cheques
04	Phase out of salary disbursements in physical cash
05	Phase out paper tax refund orders
06	All Tax receipts in electronic mode only
07	Incentives for advance tax payment in electronic mode
08	Refund of service charges levied by Card companies/Banks/Service Providers  for routing transactions on their network
09	Each citizen to have a unique bank account. Balance upto INR one lac should not be subject to any attachment under any order or decree of court in respect of any debt or liability.
10	Bank account verification be provided through NPCI (National Payments Corporation of India) channel
11	Interest  over INR50,000/- only to be subject to TDS(Tax Deducted at Source)
12	All fines to be paid in digital mode only
13	All the 30 corporates’ part of BSE Sensex should migrate to complete eTransactions within 24 months.
14	All Navrathna corporates’ to migrate to 100% eTransactions in 12  months
15	All Mini-Navrathna corporates’ to migrate to 100% eTransactions in 12  months
16	Tender EMD (Earnest Money Deposit) to be in eLock  mode. Furnishing of Bank Guarantees should be discouraged.
17	Charity contributions to migrate to eTransactions
18	Charity payouts to migrate to eTransactions
19	All school students entering Class VIII should be provided with a Prepaid Card. All scholarships, pocket money and expenses to be routed through this prepaid card only.
20	Insurance policy to safeguard digital theft from bank accounts/prepaid cards.
21	Nominal payment of INR 1/- to INR2/- to citizens to use public facilities like Toilets, disposing garbage in designated areas. These credits should be instant to the citizens prepaid card.
22	All citizens be provided with 2 prepaid cards where the underlying bank account is not exposed.
23	Design special videos for the non-literates to educate this segment on Safe eTransactions methods.  Signs and symbols may be an integral part of these videos/posters.
24	Mid-Day meals may be replaced with direct credits to students’ prepaid cards. These can be experimented in few districts before Pan-India roll-out.
25	Mobile POS terminals should be part of  all Salesmen/Delivery men/Bill Collectors
26	Separate company   to focus only on financial data transmission
27	Introduce CashLess transactions in Tirumula
28	Introduce CashLess transactions in Vaishnodevi
29	Introduce CashLess transactions Nashik Kumbh Mela 2015
30	Introduce CashLess transactions Ujjain Kumbh Mela 2016
31	Introduce CashLess transactions in Manali
32	Rollout CashLess transactions in all educational institutions
33	Rollout CashLess transactions in all trains with focus on AC coaches
34	Transform 1-5 major shopping areas in each city to CashLess mode
35	Introduce a cap on MDR (Merchant Discount Rate). Switch to value instead of percentage
36	All gold loan disbursements through eTransactions mode only
37	All personal loans disbursements through eTransactions only
38	All Two wheeler loan disbursements through eTransactions only
39	All Four wheeler loan disbursements through eTransactions only
40	All Housing loan disbursements through eTransactions only
41	Provision to combine loyalty points across multiple eTransaction channels
42	All exam fees to be collected through eTransaction modes only
43	Toll Gates payments be collected through eTransaction mode. Collection agents to be equipped with Mobile POS terminals to collect the toll instantly.
44	Roll-out eTransaction channels in all public transport
45	Phase out Rupee 1 coins
46	Phase out Rupee 5 coins
47	Phase out Rupee 5 currency notes
48	Direct Banks to channel all their bank related payments through eTransaction mode only
49	Introduce 1% discount on utility bill amount routed through eTransactions mode only
50	Introduce auto-back up of all ePayments receipts in the consumer’s digital locker