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Saturday, July 18, 2026

Citizen Observation 3 of 777 | KOAM Bill 2025: Suggested FAQs for Better Public Feedback

Published: 18 July 2026

Nayakanti Prashant

3rd Gen Banker & Citizen Lobbyist – Bengaluru

CO 3 of 777

One Draft. | One Citizen. | One Suggestion. | One Better Law.

The Karnataka Apartment (Ownership and Management) Bill, 2025

The opening

When governments invite public comments on a draft law, are citizens given enough guidance to participate confidently?

Every draft law begins as a document.

Before it becomes legislation, it also becomes a conversation between government and citizens. The quality of that conversation often influences the quality of the final law.

By inviting public feedback on the draft Karnataka Apartment (Ownership and Management) Bill, 2025 (KOAM Bill 2025), the Government of Karnataka has created an important opportunity for citizens to participate in shaping legislation that may influence apartment living across the State for years to come.

About the Draft KOAM Bill 2025

The draft KOAM Bill 2025 seeks to modernise Karnataka's legal framework governing apartment ownership and management by replacing legislation that has served the State for more than five decades. Among its proposals are measures relating to apartment governance, redevelopment of ageing buildings, management of common areas, and the functioning of Apartment Owners' Associations.

Given its potential impact on lakhs of apartment owners, Resident Welfare Associations, developers and other stakeholders, the Government has invited public feedback before finalising the legislation.

This Citizen Observation does not comment on the provisions of the draft Bill. Instead, it suggests one small procedural improvement that could make the consultation process simpler, more organised and more citizen-friendly.

How to Submit Your Feedback

The Government of Karnataka is inviting public feedback and suggestions on the draft KOAM Bill 2025.

Email: kaomablr@gmail.com

At present, there is no prescribed format for submitting observations.

A short set of Frequently Asked Questions (FAQs), together with a suggested email submission format, could help citizens prepare clearer submissions while making it easier for the review team to analyse and consolidate public feedback.

One Measurable Suggestion

Publish a short "Frequently Asked Questions (FAQs) for Public Submissions", together with a suggested email submission format.

This simple initiative would not require:

A new portal
New software
Additional infrastructure

Sometimes, a few pages of guidance can significantly improve the quality of public participation.

Suggested FAQs for Public Feedback

The following FAQs are personal suggestions intended to illustrate the type of guidance that may help citizens prepare clearer and better-structured submissions. They are not official FAQs issued by the Government of Karnataka.

1. Who can submit suggestions?

Any interested citizen, apartment owner, Apartment Owners' Association, Resident Welfare Association, professional body or stakeholder.

2. Should I refer to page numbers and section or clause numbers?

Yes, wherever possible.

Mentioning the relevant page number and section or clause helps reviewers quickly locate the provision being referred to.

A simple structure may include:

Page Number
Section / Clause
Observation
Suggestion
Reason

If the exact reference is unavailable, mentioning the relevant chapter or subject is also helpful.

3. Can I submit general suggestions?

Yes.

Suggestions relating to implementation, governance, citizen convenience, awareness, administrative processes or overall clarity can also add value.

4. Can an Apartment Owners' Association or Resident Welfare Association submit one consolidated response?

Yes.

Associations and federations may submit a consolidated representation reflecting the collective observations of their members.

5. Is there a suggested email format?

A simple structure could include:

Subject
Name (if permitted)
City / District
Page Number
Section / Clause
Observation
Suggestion
Reason

6. Will I receive an acknowledgement?

An FAQ could clarify whether acknowledgements will be issued after receiving submissions.

7. Can supporting documents be attached?

An FAQ could clarify whether supporting documents may be attached wherever they help explain or support an observation.

8. What is the last date for submissions?

Citizens should refer to the latest notification issued by the Government of Karnataka and ensure that submissions are made before the notified deadline.

Why These FAQs Matter

For Citizens

Makes participation less intimidating.
Helps organise observations more clearly.
Encourages constructive and relevant feedback.
Reduces uncertainty about submission expectations.

For the Review Team

Makes submissions easier to review.
Helps group similar observations together.
Improves consistency across submissions.
Supports more efficient analysis and documentation.

Closing Thought

Every public consultation is an invitation.

And, you should not miss this invite.

Take some time, go through the document, corelate with your experiences in the apartment complex you stay, pick up a few inputs from your work experience and share the inputs.

A few pages of guidance can help transform that invitation into meaningful participation.

Sometimes, better laws begin with better conversations.

The same principle extends beyond public consultations. Whether participating in governance or making a digital transaction, trust grows when processes are simple, transparent and easy to understand.

Small improvements in citizen interactions today can contribute to a stronger culture of trusted digital interactions tomorrow—a vision that also inspires the proposed Digital Transactions Day (April 11).

The Closing

Every trusted digital transaction begins with a trusted digital interaction.

Observation Metadata

Sector: Housing & Urban Governance

Institution: Government of Karnataka

Theme: Public Consultation

Primary Stakeholder: Citizens, Apartment Owners, Apartment Owners' Associations and Resident Welfare Associations

Observation Type: Citizen Participation

Suggested Beneficiary: Government of Karnataka and Public Consultation Participants

Friday, July 17, 2026

Citizen Observation 2 of 777 | A Beta Portal Deserves Beta Citizens

Published: July 17, 2026

CO 2 of 777

One Beta. One Citizen. One Suggestion. One Better Portal.

A beta portal is more than an early version of a website.

It is an invitation for citizens to help build a better public service.

When a public institution launches a beta version of its digital platform, are citizens merely expected to report bugs—or are they being invited to help shape a better public service?

Sometimes, the best beta testers are the citizens who care enough to suggest improvements.

All roads lead to April 11 – Digital Transactions Day.

Please note that Digital Payments are a subset of Digital Transactions.

The launch of the IRCTC Beta Portal is an encouraging example of citizen-centric digital service design.

By inviting users to experience the portal before its official rollout, IRCTC has done more than introduce a new website. It has invited citizens to participate in improving a public service.

That opportunity deserves to be fully utilised.

Most beta portals rely on a generic feedback box. While valuable, free-text comments often vary in quality, omit important context and require considerable effort to analyse.

What if a beta portal guided citizens to provide more structured feedback?

Imagine a dedicated Citizen Suggestion module.

Citizen Suggestion

🎯 What were you trying to do?
(Search trains, book tickets, make payments, cancel bookings, update your profile, etc.)

👍 What worked well?

⚠️ What did not work?

💡 What is your one improvement suggestion?

📂 Which area does your suggestion relate to?

☐ Train Search
☐ Ticket Booking
☐ Payments
☐ User Interface
☐ Accessibility
☐ Performance
☐ Other

⭐ How important is this improvement?

○ Essential

○ Useful

○ Nice to Have

🌱 How would this improvement benefit future users?

One sentence.

This simple framework would help citizens organise their thoughts while enabling product teams to classify, compare and prioritise feedback more effectively.

More importantly, it changes the conversation.

Instead of asking,

"Tell us what is wrong?"

it encourages citizens to ask,

"How can we make this better?"

Although inspired by the IRCTC Beta Portal, this idea extends far beyond a single website.

Every government department, regulator, public sector organisation, bank, fintech platform and digital service launching a beta product has the same opportunity.

A beta release is not merely a software testing phase.

It is an exercise in participatory governance.

It recognises that the people who use a service can also help improve it.

When citizens become contributors rather than passive users, digital public services become stronger, more inclusive and more trusted.

This also reflects the broader philosophy behind Digital Transactions Day (April 11).

India's digital transformation is not defined only by successful digital payments. It is shaped by every digital interaction that precedes them—discovering a service, navigating an interface, completing a journey and sharing ideas for continuous improvement.

Good governance does not end when a service is launched.

It continues every time a citizen is invited to improve it.

That is why better digital transactions begin with better digital interactions.

Citizen Observation

A beta portal deserves beta citizens—not merely users who report problems, but citizens who help build better public services through thoughtful participation.

One Measurable Suggestion

Introduce a structured Citizen Suggestion module in the IRCTC Beta Portal to guide user feedback through a simple, consistent framework that generates richer, more actionable insights while encouraging meaningful citizen participation.

The success of a beta portal should not be measured by how many bugs it uncovers.

It should be measured by how many better ideas it inspires.

Every trusted digital transaction begins with a trusted digital interaction.

Author

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Observation Metadata

Sector: Railways

Institution: IRCTC

Theme: Beta Testing & Citizen Participation

Primary Stakeholder: IRCTC Product Team

Observation Type: Digital Service Design

Suggested Beneficiaries: IRCTC users, product teams and future users of public digital services

Wednesday, July 15, 2026

Citizen Observation 1 of 777 | Dear SEBI, A COMMA Is Not a Special Character

Published: July 15, 2026

CO 1 of 777

Three Days. Five Responses. Thousands of Characters. One Small Observation.

Public consultations are among the most meaningful ways in which citizens can contribute to better public policy.

Could enabling secure copy and paste together with commonly used punctuation such as commas make the consultation process more citizen-friendly while preserving appropriate validation and security controls?

Sometimes, improving regulation begins by improving the conversation around regulation.

Author: Nayakanti Prashant

3rd Gen Banker & Citizen Lobbyist – Bengaluru

Advocating Digital Transactions Day (April 11)

Over the last three days, I participated in SEBI's public consultation on the proposed Common Advertisement Code.

The consultation itself was thoughtful.

It encouraged stakeholders to think deeply about investor protection, virtual characters, digital communication and technology-enabled supervision.

The portal experience, however, led me to one small citizen observation.

Several commonly used punctuation marks, including the comma , could not be typed directly into the comment fields.

Ironically, my grammar tool occasionally suggested corrections and inserted a comma automatically.

I accepted those suggestions sparingly because I genuinely did not know whether the final submission might later be rejected for containing a character that contributors themselves were unable to type.

A comma is not merely punctuation.

It separates ideas.

It improves readability.

It reduces ambiguity.

Most importantly, it helps the reader understand the contributor's intent.

Public consultations invite citizens to spend hours researching, refining and validating their recommendations.

The effort should ideally be invested in improving ideas rather than manually reproducing them under avoidable interface constraints.

One small enhancement for future consultations could therefore be to permit secure copy-and-paste functionality together with commonly used punctuation marks such as comma s while continuing to block characters that genuinely present security or validation concerns.

In many cases, the manual transcription effort may exceed the time spent developing the actual recommendations.

That is time that could otherwise be invested in producing better public policy inputs.

As someone who advocates Digital Transactions Day on April 11, I often say that Digital Payments are only a subset of Digital Transactions.

In the same spirit, a public consultation is more than a web form.

It is a digital transaction between a citizen and a regulator.

The easier it is to contribute thoughtfully, the stronger that transaction becomes.

Sometimes, the smallest improvements create the biggest participation.

Disclaimer

This article reflects my personal experience while participating in SEBI's public consultation process and is intended as a constructive citizen observation. The views expressed are my own. Artificial Intelligence was used as a research, drafting and language assistance tool. The analysis, observations and responsibility for this article remain entirely mine.

Every trusted digital transaction begins with a trusted digital interaction.

All roads lead to April 11 – Digital Transactions Day.

Please note that Digital Payments are a subset of Digital Transactions.

The Joy of Digital Transactions

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Author’s Blogs

https://prashantrandomthoughts.blogspot.com
https://prashantnepayments.blogspot.com
https://innovationinbanking.blogspot.com

Sunday, July 5, 2026

Rapido – Could "Skip for Now" Make Your Feedback More Honest?

Published: 05 July 2026

By Nayakanti Prashant

3rd Gen Banker & Citizen Lobbyist – Bengaluru

Digital Transactions Day (April 11)

Disclaimer: These are my personal thoughts. The need to act is entirely on Rapido Team.

The ultimate destination is April 11 – Digital Transactions Day.

And, in this ride, maybe Rapido can make it smoother.

Sometimes, the smallest button on a screen has the biggest impact.

Somewhat similar to the Butterfly Effect.

Sometimes, the smallest button on a screen has the biggest impact.

This isn't about pricing.

It isn't about ride quality.

It isn't about technology.

It is about human psychology.

Over the last couple of days, I have started using Rapido's two-wheeler services in Bengaluru. The experience has largely been positive—quick bookings, professional captains, and an efficient way to navigate the city's traffic.

Like millions of users, I reached the end of my ride and was greeted by the familiar feedback screen.

Then one question caught my attention.

"Would you recommend this captain to other women?"

The available responses were simple.

Yes

For a moment, I paused.

Not because I didn't want to answer.

But because I wasn't sure whether I was the right person to answer it.

And that made me wonder...

The Missing Third Option

Imagine walking into a restaurant.

The waiter asks,

"Was the food excellent or terrible?"

You reply,

"Actually... it was good."

The waiter smiles and says,

"Sorry. You can only choose one."

That is exactly how many digital feedback journeys work today.

Life is rarely binary.

Our experiences usually live somewhere between two extremes.

Sometimes we simply don't know.

Sometimes we don't have enough context.

Sometimes we don't feel qualified to answer.

And sometimes...

we just want to skip the question without affecting the overall feedback.

The Most Honest Answer Might Be...

Not Yes.

Not No.

But

Skip for now.

Three simple words.

Yet they acknowledge something every product designer knows:

Users should never be forced to express an opinion they don't genuinely hold.

Why This Matters

From a data perspective, forcing binary answers can unintentionally reduce data quality.

When users encounter a question they cannot confidently answer, several things may happen.

Some tap Yes simply to complete the process.

Some tap No because they don't know what else to choose.

Some abandon the feedback altogether.

In all three cases, the collected data becomes less representative of the user's actual experience.

A neutral option helps distinguish between:

genuine positive feedback,
genuine negative feedback,
and no opinion.

Those are three very different signals.

Better Data. Better Decisions.

Product teams spend enormous effort analysing customer feedback.

Heat maps.

Dashboards.

Recommendation scores.

Trend analysis.

Machine learning.

But what if the data entering those dashboards is already influenced by a forced choice?

A simple "Skip for now" button could produce cleaner datasets, more meaningful insights, and ultimately better product decisions.

Sometimes improving analytics doesn't require another AI model.

It requires another button.

Respecting the User

Good user experience is not only about making users answer quickly.

It is also about respecting their choice not to answer.

That small act communicates something powerful.

We value your honesty more than your response rate.

In an age where every application seeks more feedback, perhaps trust is built by occasionally asking for less.

A Small Suggestion

What if the feedback screen looked like this?

Would you recommend this captain to other women?

🟢 Yes

🔴 No

⚪ Skip for now

Simple.

Clean.

Honest.

No lengthy explanations.

No additional screens.

No friction.

Just one extra option for users who genuinely don't wish to express an opinion.

The Ripple Effect

The beauty of good UX is that it travels.

A thoughtful improvement in one app often inspires better experiences across many others.

Today, it may be Rapido.

Tomorrow, it could influence food delivery apps, e-commerce platforms, banking applications, travel portals, healthcare services, and government platforms.

Sometimes innovation isn't about introducing something revolutionary.

Sometimes it is about removing unnecessary pressure from a user's thumb.

Final Reflection

Every ride does not deserve applause.

Every ride does not deserve criticism.

Some rides simply deserve acknowledgement.

And some questions deserve an honest silence.

Perhaps that silence deserves its own button.

Not because users are indifferent.

But because honesty should always have a place in good design.

My Suggestion to Rapido

A tiny enhancement.

One additional button.

Three words.

"Skip for now."

Because the most honest feedback is sometimes the one that isn't forced.

The Joy of Digital Transactions

Nayakanti Prashant
3rd Gen Banker & Citizen Lobbyist – Bengaluru
Advocating Digital Transactions Day (April 11)

Author’s Blogs

https://prashantrandomthoughts.blogspot.com
https://prashantnepayments.blogspot.com
https://innovationinbanking.blogspot.com

Disclaimer

The thoughts in this BLOG are personal, and reflect only my view on the subject.

This are not the views of my Employers.

All images, logos rights rest with the Original TitleHolders

All efforts have been made to make this information as accurate as possible, N Prashant will not be responsible for any loss to any person caused by inaccuracy in the information available on this Website. Relevent Official Gazettes Communications may be consulted for an accurate information. Any discrepancy found may be brought to the notice of N Prashant

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Saturday, July 18, 2026

Citizen Observation 3 of 777 | KOAM Bill 2025: Suggested FAQs for Better Public Feedback

Friday, July 17, 2026

Citizen Observation 2 of 777 | A Beta Portal Deserves Beta Citizens

Wednesday, July 15, 2026

Citizen Observation 1 of 777 | Dear SEBI, A COMMA Is Not a Special Character

Sunday, July 5, 2026

Rapido – Could "Skip for Now" Make Your Feedback More Honest?

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