Stg employment proposalto_uidi_atotrainbcforaadharmatm_20121227_002

SHAR TECHNOLOGIES GROUP

Copyright © Shar Technologies Group 2012

“Business Correspondents”

Training and Placement Proposal for

UIDIAGovernment of India

Contents

2Copyright © Shar Technologies Group 2011 -12

Title Page(s)

Preamble 3, 4

Opportunity 5

About STG 6

Identification of Business Correspondent 7

How it will work 8

Training Schedule 9 to 31

STG’s Sustainable Model 1 32

STG’s Sustainable Model 2 33

The Way Forward 34

Address for Communication 35

Copyright © Shar Technologies Group 2011 -12 3

Preamble to this Proposal

The Unique Identification Authority of India (UIDAI) is working with the Indian Banks' Association to create a

network of 14 lakh micro ATMs across the country. While the banks will authorize the transaction, the

authentication will be done by UIDAI by biometric association with its database.

"The plan is to have at least two micro-ATMs in every village, which means that there will have to be at least 14

lakh of them," said A P Singh, deputy director-general, UIDAI.

There are 23,000 villages in Andhra Pradesh, We need 46,000 Business

Correspondents.

The micro-ATMs, which are to be deployed by banks, will be manned by Business Correspondents

appointed by banks either directly or through agencies. These business correspondents will act as mini bank

branches by accepting deposits, enabling withdrawals, fund transfer from Aadhaar-to-Aadhaar accounts and

providing statement of transactions. The connectivity will be provided by the Aadhaar-enabled payment system

(AEPS) – a new electronic payment network jointly promoted by the National Payment Corporation of India with

the UIDAI. Over 60 banks have registered to be part of this network.

Preamble to this Proposal Contd..

• MG-NREGA workers with Aadhaar will now be able to withdraw moneythrough micro ATM device launched by the Unique IdentificationAuthority of India (UIDAI).

• UIDAI Director General R S Sharma said. “The beneficiary has to put hisfinger and Aadhaar number into the micro ATM wireless device and getthe money within 8 to 9 seconds from a business correspondent afterverification about the beneficiary having that much amount depositedin the bank account shown through a receipt by the device.”

• Unlike the regular bank ATMs, the device does not store any money, sothe beneficiary will get the withdrawn amount from the businesscorrespondent on the spot. “The (about a foot-long) device functionsthrough any SIM and wherever there is a mobile tower. The device willbe with a bank-appointed business correspondent,” R S Sharma said.

• The system will root out the role played by middlemen, as thebeneficiaries will be able to approach the business correspondent oftheir choice. Besides the MG-NREGA workers, other beneficiaries underold-age pension, scholarship or any other welfare schemes could alsobenefit from the device. Copyright © Shar Technologies Group 2012

UIDAI brings micro ATM for daily wagers with Aadhaar

4


By 2014 India require

14,00,000Business Correspondents

to be deployed in rural India

5

The opportunity to create Livelihoods


About Shar Technologies Group (STG)

STG is a partnership company incorporated in 2005 with the main object of offering solutions in Human Resources –

Recruitment and Training. The company is promoted by Dr.Pasam Prasad Rao and Smt. Pasam Radhika Rajani, both

are professionally qualified and are from HR background and have collective experience over 30 years. STG started

two other divisions in April 2012, Commodities Trading Division and Medical Care Division.

Dr.Prasad Rao Pasam holds Master in Business Administration and Doctorate in Human Capital Management. He

has over 15 years of experience in Human Capital Management and domain expertise in the industries like IT/ ITES,

Medical Care, Media, Manufacturing, Trading, Minerals, Metals, CSR and Health Insurance. He is the Chief Editor of

Talent Exchange Employment Newspaper Weekly. He is the first HR professional in India to innovate this idea of

having Talent Exchange™ Portal, Talent Exchange Employment Newspaper Weekly, and Employment Journalist

called, Udhyogmithra™. Shri Narayana Murthy of Infosys offered his patronage for Talent Exchange on March 4th

2011.

Smt. Radhika Rajani Pasam is did her Masters in Business Administration with specialization in Human Resources.

She has worked in collecting the resumes of the both active and passive Job seekers, coordinating with them for the

resume writing, selection process etc. She is the founding member and Vice President of STG’s CSR division, Venche

Foundation. She manages the operations of this foundation which works for the underprivileged children and their

upliftment.

Copyright © Shar Technologies Group 2012 7

Identification of the Business Correspondent

• 2 per Village• Locally advertise for enrollment of Job Seekers and Self

Employment Financial Assistance Seekers• Minimum Qualification – Intermediate• Age limit 18 to 22 yrs• Can read and write local language and English• A positive attitude towards working in rural areas• Willingness to learn• Orientation towards high achievement• Punctual and good time management skills• Empathy towards poor• Respect towards women


How it will work

• Banking correspondents will get micro-ATMs to pay beneficiaries

• To work on lease model, wherein banks charge Rs 300 monthly from users for operating push terminals

• Rs 3,000-5,000 income to be ensured for banking correspondents to make the business viable

• 3.14% has been suggested as transaction fee

• Of the 3.14% or a maximum of Rs 15, banking correspondents will get 75%

• Banking correspondents will get micro-ATMs to pay beneficiaries

• To work on self employment model, wherein banks charge EMI’s from Business Correspondents

• Rs 3,000-5,000 income to be ensured for banking correspondents to make the business viable

• 3.14% has been suggested as transaction fee

• Of the 3.14% or a maximum of Rs 15, banking correspondents will get 75%


STG will identify the Business Correspondents for SELF EMPLOYMENTMODEL

STG will work with various banks participating in this Aadhar Based MoneyTransfer Scheme

STG will work with MicroATm Manufacturers for supply chain andMaintenance of the Micro ATM’s

STG will negotiate with the Banks, MicroATM manufacturers for a tripartyagreement between the Bank financing the MicroATM to the BusinessCorrespondent and the MicroATM Manufacturer

STG in collaboration with Helios & Matheson will give the training andcertification for this program. ITSEERS for MicroATM Technical Collaborationetc

9

Training Program and Certification


Day 1 & 2- Understand Computers and their use

Understand current and future uses of Computer and MicroATM in society.

Learning objectives What you will learn as you master the competency: a. Participate in lecture/discussions about Computers, MicroATMs and the future. b. Use available media to become aware of Computers, and MicroATMs usage in society.

Performance Standards Competence will be demonstrated: o when student can discuss future uses of computers/MicroATMs. o by successful completion of final exam.

Criteria - Performance will be satisfactory when: o learner participates in lecture/discussions about computers/MicroATMs and the

future. o learner uses available media to become aware of computer usage in society.


Day 3 & 4: Understand Embedded systems

Understand computer and embedded system organization, architecture and important components

Learning objectivesWhat you will learn as you master the competency: a. Participate in lecture/demo of computer organization charts and diagrams. b. Draw computer Organization diagrams with appropriate labeling.

Performance Standards Competence will be demonstrated: o by successful drawing of computer Organization. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of computer Organization. o learner draws computer organization diagrams with appropriate labeling.


Day 5 & 6: MicroATM Components

Understand MicroATM embedded system organization, architecture and important components. This lecture reinforces the learning in day 3 &4 in the context of the MicroATM.

Learning objectivesWhat you will learn as you master the competency: a. Participate in lecture/demo of MicroATM embedded system structure and

organization. b. Draw MicroATM Organization chart with appropriate labelling.

Performance Standards Competence will be demonstrated: o by successful drawing of MicroATM organization chart. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of MicroATM computer organization. o learner draws computer schematic with appropriate labelling.

Day 7 & 8 : MicroATM Machine Operation

Start and safe closing of the MicroATM. Understanding power related and other operational issues

Learning objectives What you will learn as you master the competency: a. Participate in lecture/demo of correct starting/turn off procedure of the MicroATM. b. Start/turn off the MicroATM using correct procedures.

Performance Standards Competence will be demonstrated: o by starting/turning off MicroATM using correct procedure. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of correct starting/turn off procedure for MicroATM. o learner starts/turns off the MicroATM using correct procedures.


Day 9 & 10 : MicroATM Printer Operation

Using the Printer optimally so that it has long life

Learning objectives What you will learn as you master the competency: a. Participate in lecture/demo of correct starting/turn off/use of the MicroATM printer. b. Start/turn off the MicroATM Printer using correct procedures. c. Load new paper and align it correctlyd. Clear paper jams

Performance Standards Competence will be demonstrated: o by starting/turning off MicroATM printer using correct procedure. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of correct starting/turn off/usage

procedures of the MicroATM Printer. o learner prints a few staments/dockets without wasting print paper.


Day 11 & 12: MicroATM Scanner Operation

Using the Finger Print Scanner so that it keeps performing well al the time

Learning objectives What you will learn as you master the competency: a. Participate in lecture/demo of correct use of MicroATM Finger Print Scanner. b. Making good Finger Print Scansc. Taking care of Finger Print device

Performance Standards Competence will be demonstrated: o by scanning fingers using correct procedure. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of correct scanning of fingers. o learner scans several fingers correctly.


Day 13: MicroATM MicroStrip Reader Operation

Using MicroStrip Reader for processing cards

Learning objectives What you will learn as you master the competency: a. Participate in lecture/demo of correct use of MicroATM MicroStrip Reader. b. Making a few card reads using the MicroStrip Readerc. Physically taking care of MicroStrip Reader

Performance Standards Competence will be demonstrated: o by reading info using MicroStrip Reader. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of correct use of MicroStrip Reader. o learner reads several cards using the MicroStrip Reader.


Day 14: MicroATM Security

Understanding security needs of the banking applications and biometrics

Learning objectives What you will learn as you master the competency: a. Participate in lecture/demo of correct use of security features of the MicroATMb. Understands how to thwart security breachesc. Understands the financial and social implications of securityd. Learns to identify possibly malicious uses of MicroATM

Performance Standards Competence will be demonstrated: o by answering questions regarding security requirements of the MicroATM. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when:o learner participates in lecture/demo of correct use of MicroATM bulletin security features. o learner thwarts some security breaches..


Day 15: Directory and File handling

Understand MicroATM GUI for Creating, saving, copying files and directories. This is useful for MicroATM diagnostics (in case of problems) and other future purposes

Learning objectives What you will learn as you master the competency: a. Describe a generic file /directory structure b. Use the MicroATM GUI to create and modify a text file. c. Create and change directory structuresd. Open, Save, Close filesg. Use the GUI to view files/directories h. Take backupsi. Restore backups

Contd.. Next day



Day 16: Directory and File handling Contd...

Performance Standards Competence will be demonstrated: o by the completion of unit assignments with required features. o by participating in class lecture/demos. o by the successful completion of final exam.

Criteria - Performance will be satisfactory when:o learner describes the directory and file structures of a MicroATM correctly. o learner uses gained knowledge in creating a few directories and files during the

labs


Day 17 & 18: MicroATM Trouble Shooting

Perform cursory trouble shooting of the MicroATM in case of operating system problems.

Learning objectives What you will learn as you master the competency: a. Run some diagnostics to understand what is going wrongb. Assess seriousness of the problem and judge if self help is adequatec. How to call service center for help and learn how to describe the problem

accurately

Performance Standards Competence will be demonstrated: o by the successful analysis of some trouble scenarios. o by participating in class lecture/demos. o by the successful completion of final exam.

Criteria - Performance will be satisfactory when:o learner describes trouble shooting steps. o learner troubleshoots a few damaged MicroATMS


Functional

The basic transaction types that the MicroATM will support are:

Cash withdrawal

Cash deposit

Transaction enquiry

Remittances

Business Correspondent will ensure this System is successful


Day 19: Introduction to Banking Application

Executing the integrated banking application of the MicroATM.

Learning objectivesWhat you will learn as you master the competency: a. Recognize icon on desktop representing integrated banking application. b. Activate integrated application. c. Select appropriate module within the package using module selection screen. d. Select module for use.

Performance Standards Competence will be demonstrated: o by the completion of exercises using the integrated banking application. o by participating in class demonstrations. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when: o learner recognizes icon on desktop representing integrated banking application. o learner activates integrated package. o learner selects appropriate module within the package using module selection screen.


Day 20 & 21: Deposit CashDepositing money into an account using the MicroATM

Learning objectivesWhat you will learn as you master the competency: a. Recognize icon on desktop representing cash deposit b. Select appropriate module within the package using module selection screen. c. Activate cash deposit module. d. Select module for use.e. Make several deposits to experience various real life scenarios

Performance Standards Competence will be demonstrated: o by the completion of exercises using the deposit module. o by participating in class demonstrations. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when: o learner recognizes icon on desktop representing deposit function. o learner activates deposit function. o learner performs deposits correctly and closes the application safely


Day 22 & 23: Balance EnquiryChecking cash balance on the MicroATM

Learning objectivesWhat you will learn as you master the competency: a. Recognize icon on desktop representing cash balance b. Select appropriate module within the package using module selection screen. c. Activate cash balance module. d. Select module for use.e. Make several balance enquiries to experience various real life scenarios

Performance Standards Competence will be demonstrated: o by the completion of exercises using the balance query module. o by participating in class demonstrations. o by successful completion of the final exam.

Criteria - Performance will be satisfactory when: o learner recognizes icon on desktop representing balance query function. o learner activates balance query function. o learner performs balance queries correctly and closes the application safely

Day 24 & 25: Withdrawal Transaction

Making cash with drawls from the MicroATM

Learning objectivesWhat you will learn as you master the competency: a. Recognize icon on desktop representing cash withdrawal b. Select appropriate module within the package using module selection screen. c. Activate withdrawal module. d. Select module for use.e. Make several withdrawal transactions and experience

various real life scenarios


Criteria - Performance will be satisfactory when: o learner recognizes icon on desktop representing withdrawal function. o learner activates withdrawal function. o learner performs withdrawals correctly and closes the application safely

Copyright © Shar Technologies Group 2011 -12


Day 26 & 27: Money TransferMaking Money transfers using the MicroATM

Learning objectivesWhat you will learn as you master the competency: a. Recognize icon on desktop representing cash transfer b. Select appropriate module within the package using module selection screen. c. Activate cash transfer module. d. Make several cash transfer transactions and experience

various real life scenarios


Criteria - Performance will be satisfactory when: o learner recognizes icon on desktop representing cash transfer function. o learner activates cash transfer function. o learner performs withdrawals correctly and closes the application safely


Day 28 & 29: Application Trouble ShootingPerform cursory trouble shooting of the MicroATM banking application and other possible applications in case of problems.

Learning objectives What you will learn as you master the competency: a. Run some diagnostics to understand what is going wrong with an applicationb. Assess seriousness of the problem and judge if self help is adequatec. How to call service center for help and learn how to describe the problem

accurately

Performance Standards Competence will be demonstrated: o by the successful analysis of some trouble scenarios. o by participating in class lecture/demos. o by the successful completion of final exam.

Criteria - Performance will be satisfactory when:o learner describes application trouble shooting steps. o learner trouble shoot a few damaged MicroATMS applications


Day 30: Upgrading of MicroATM SWLearn how to make SW upgrades to the MicroATM. Learn taking best care of the MicroATM so that it performs optimally even after continued regular usage and software upgrades.

Learning objectives What you will learn as you master the competency: a. Upgrading Application SW on the MicroATMb. In case of problem, learn how to revert to older versionc. Learn how to backup/restore the entire system or just the application SW

Performance Standards Competence will be demonstrated: o by the successful upgrading of a few versions of the SWo by participating in class lecture/demos. o by the successful completion of final exam.

Criteria - Performance will be satisfactory when:o learner describes steps in SW upgradeo learner performs a few SW upgrades on the MicroATMS machines


Day 31: Soft Skills

The ability to manage yourself and relate to other people.


Day 32: Telephone Etiquettes

Be available for your customers and your communication skills will help you…

…to handle interpersonal relations…to take appropriate decisions…to communicate effectively

…to make an impressive impact


Day 33: Test & Certificate

On successful completion of the course, a 2 Hours written test will be conducted to assess the students

The test will cover all the topics taught in the classes and demonstrations.

Students getting less than 50% marks will be deemed to be not eligible for certication


STG’s Sustainable Model 1

Training and Placements of Business Correspondents with the Banks participating in this Aadhar Based Money Transfer System

Identification and selection of Business Correspondents

Connecting with the respective State Governments and Central Government Livelihoods Programs and using the funds for training and placements

Connecting the training people with the Banks and their manpower agencies for employment of these training people as Business Correspondents

Continuous training and placement for min 10 years and there after.


STG’s Sustainable Model 2

Self Employment

The MicroATM’s will be given to the identified and qualified persons (2 per Village) as Loan for Self Employment Basis

The agreement will be between Self Employed, Bank and the Manufacturer of MicroATM

STG shall make the process document and monitor this self employment scheme and will be paid for services offered including training and documentation

34

The Way Forward

Presentation of this proposal to UIDIA 03-01-2013

Presentation of Detailed Implementable Proposal to be discussed

Signing of MoU with UIDIA to be discussed

Signing of MoU with AP Government to be discussed

Implementation of the Proposed Project to be discussed


Thank You

A proposal to UIDIA from:

Pasam Prasad RaoFounder & Managing Partner

SHAR TECHNOLOGIES GROUPSUIT NO.409 & 410, 4TH FLOOR, MODEL HOUSE,

PUNJAGUTTA, HYDERABAD 500 082, ANDHRA PRADESH, INDIATEL: +91-40-23359900/ 9901/ 9902/ 9903; Mobile: +91-917-711-1779

EMAIL: [email protected]; Website: www.sharinc.com

mailto:[email protected]�

http://www.sharinc.com/�

Economy & Finance

Stg employment proposalto_uidi_atotrainbcforaadharmatm_20121227_002