CASHLESS TRANSACTION ( Digital Financial Services)

CASHLESS TRANSACTION( Digital Financial Services)

Er. Chhungpuia Renthlei

Digital Financial Services, E- payment an tih hi India ram hmasawnna tura hmalakna pawimawh ber pakhat, pawisa Note tellova tunlai thiamna hmanga thil lei leh hralh “cashless economy” hi a ni.
Digital Financial Services langsar zual deuh deuh te chu : Cards, USSD (Unstructured Supplementary Service Data), AEPS (Aadhaar Enable Payment System), UPI  (Unified Payments Interface) leh E-Wallet te a ni.

1.CARD  : Chi thum a awm a, chungte chu- Prepaid card, Debit card te leh Credit card te a ni. Card   hi bank pek chhuah a ni a, card neitu hnena pek chhuah dan a zirin a hman dan hi thliar hran a ni.
ATM atanga pawisa lakchhuah mai bakah Petrol pump ah leh dawr thenkhatah Bank PoS (Point of Sales) khawl an neih tawh avangin mipui ten awlsam takin card kan hmang  thei tawh bawk. Card hmanga dawra thil lei dan han sawi lawk ila.
A hmasa berin Cashier hnenah card pek la,POS khawl ah card kha an lo swipe anga, i thil leina man an lo chhut luh sak ang che. Hemi hnuah   Card PIN  nangman i type lut  ve thung ang.  Tichuan, i thil lei tur man zat kha I account a tangin an lo paih anga, dawr neitu te account ah a lut ang.
Dawr nghaktu in receipt sign sa a pe chhuak ang che.In indawr na a zo fel tih hriat theih na turin  mobile ah SMS i hmu ang. Hetiang hian pawisa  pe lovin awlsam takin thil kan lei thei a ni.
2.USSD: Ram chhunga mi tu pawhin banking service kan hman theihna  “Unstructured Supplementary Service Data” a ni.
National Unified USSD platform (NUUP) kaltlang in code *99# hmangin Telecom service engpawh hmang ila number pakhat hmangin Customer tu pawhin banking service i.e.  Bank account-a Pawisa la neih zat hriatna (Balance Enquiry),  Pawisa che vel report (Mini statement) leh  pawisa  inthawnna (Fund Transfer).  
3.AEPS: Aadhaar Number nena Bank account  hawng ten awlsam zawka an Aadhaar hmanga bank an dawr theihna  “Aadhaar Enable Payment System “  a ni.
 AEPS hmang hian Sawrkar laipui leh State sawrkar atanga tanpuina hrang hrang leh NREGA, Social Security pension, Handicapped Old Age Pension etc. a hmu tur dik tak ten an hmuh theih phah a ni.
AEPS hmanna langsar zual te : Balance Enquiry, Cash Withdrawal, Cash Deposit, Aadhaar  pakhat atanga  Aadhaar danga Funds Transfer) leh Fair Price Shops a thil leina.
4.UPI : Unified Payments Interface tihna a ni a, UPI application awmna smart phone leh Bank account nei te tana smart phone hmanga rang taka bank account pakhat atanga account danga pawisa in pek chhawnna “Unified Payments Interface “ a ni.
UPI  application hi a mawlmang a mi zawng zawng tan hman a awlsam a ni. Khawi hmunah pawh rang tak leh him takin a hman theih a ni. Electric, tui, phone bill  leh school fee pekna atan a hman theih bawk.
5.E-Wallet :  Online a computer emaw smart phone hmanga pawisa inthawnna “Electronic Wallet”  a ni.
A tum ber chu pawisa ken kher ngailova awlsam zawka thil lei tir a ni.  Pre-paid account ang a ni a, a neituin a mamawh huna hman atan e walletah pawisa a dah lawk thei. E-Walet ah hian  a hmangtu  hming, an thil thawnna address, an thil lei man an pek  tur zat leh debit & credit card chungchang   information chiang takin a awm vek a ni.
E-Wallet  hmang turin  SBI Buddy download la, phone number register la, I credit/debit card / net-banking nen thlunzawm ang che.Tichuan, i phone chu i wallet a ni tawh ang. E-Wallet hman hi thil awlai tak a ni a,  phone hmanga awlsam te a thlalak i thawn ang maiin   phone/computer atangin i mamawh i lei thei a ni.
November 2016 a India Sawrkar in Pawisa Note Rs.1000/500 te a tih thih kha kan la hre theuh awm e. Hei hi sum chheprel leh hlemhletna tih bo tumna anih mai bakah digital financial services atana hmalakna chi khat a ni bawk.Tunah hian central sorkar chuan  thingtlang leh khawpui Sumdawng, Mimal, NGO leh Office hnathawk te hnenah Digital Financial Services a kalpui mup mup mai.
Ministry of Electronics and Information Technology, Government of India (MeitY) chuan “Digital Financial Literacy” lam zirtirna chak takin hma ala meka. Keini mizoramah pawh  Central Sawrkar ruahmanna in National Institute of Electronics and information Technology (NIELIT) Aizawl chuan tunah hian Aizawlah   mipuite ziritirna a kalpui mek a.
Aw le, IT lamah hma kan sawn zela,  kum 2017 hnu lamah chuan zirna in fee, bazar nan te, petrol, gas leh bill hrang hrang pek nan digital service hi kan hmang deuh fur tawh dawn a ni.