Learn how to go digital - CashLess using different options

Go Cashless is the quote that our Prime Minister is saying to everyone. There are different ways you can go cashless with Govt initiatives and also many online payment and ewallets. Get to know more how you can go cash less and be part of the digital evolution in India.

Post the announcement of demonetization from our Prime Minister Narendra Modi on November 8, 2016 He has been stressing and kept on saying to each and every citizens of the country to go cash less as much as possible. Use cards, e-wallets or any other source of digital payments, which will remove the paper currency and complete the transaction.

How will this help Indians:

    Less paper currency and printing of notes.
    Corruption is be less as all payments will be done online and less of cash exchange
    Most important Terrorist activity will be decreased.

A good example is : Post demonetization, there has been less terrorist and stone pelting activity in Kashmir as there is cash crunch and old notes are not accepted. This has led to peaceful life in Kashmir, open schools and also make the opposition parties to drop all their demands.

The question may be : Why are governments shifting to digital payments? This could help citizens and Government in many ways such as : Cost saving, Transparency on transaction done ,Speed and security, Financial inclusion, Economic development within the country

Lets come back to the article on how you use digital payment gateway or different ways to make digital payments using options provided by the Government and other institutions.

1) UPI -> Unified Payments Interface : This has been launched by the Government and has been tied up with 21 banks across India. You just need to download this app, setup your login, add your bank and now you can transfer money to any phone number or bank account. UPI is also available using the your bank account.

If you are using UPI to do your daily digital transaction, you also eligible to win Rs, 1000 from the government as part of cashback and awards to citizens.

2) Aadhar Enabled Payment System: is a payment service provided by bank to a customer to use Aadhaar as his/her identity to access his/ her Aadhaar enabled bank account. This will help him to perform all the required basic banking transaction and with more stress on security on transaction, this will move towards payment of other transaction using biometric If you remember the JIO sim, was aadhaar enabled activation. Very similar to that.

3) Credit, Debit Cards - Make most use of credit and debit cards which will help you move towards digital transaction as much as possible. Rupay card will provide your more incentive. If you have a Rupay card please use it for making transaction.

4) E-Wallet - These are most used wallet for all kinds of transactions. There are "n" number of application and apps provided on any smart phones. The wallets are easy to use and quick payments are done. Post demonetization we have seen a surge in these apps be it banking apps, private players and connected apps for digital transaction to be made. You have seen ads across new papers for Paytm, Freecharge, Mobiwik, Phonepe and many other apps which can be downloaded and start using for your daily expenses.

These payment can be done across anyone you just need to have smart phone and internet connection.

Now let move on the rural area where farmers or many people use only basic phone.

They can use USSD : Unstructured Supplementary Service Data: for their transaction to be done digitally. This is very similar to the re-charge shops do your phone recharge by just sending an sms to the provider and the same amount is added to your balance. So this is now new technology, however, now this can be used for digital payments. Here you have facility of regional language to choose when doing the transaction from Re 1 to 5000/-.

You need to *99* -> select your language --> Provide details about your bank, IFSC or MMID code and send the amount. To know more how it works.. you can click here

Check if you have won under Lucky Grahak Yojana

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