India Stack - Social Impact at Scale

India Stack - Social Impact at Scale

@amitranjan
@amitranjan
35 Followers
2 months ago 245

India Stack - Social Impact at Scale

@amitranjan2 months ago

1
Towards presence-less, 
paperless, and cashless service 
delivery
1/40
2
125 Years of Power Generation
Edison to Now
2/40
3
125 Years of Telecom
Graham Bell to Now
3/40
Layered 
Innovation
4
Mass 
Flourishing!
4/40
 
5
TCP / IP, Internet, SMTP 
(Email), GPS
Fundamental Technology 
Innovations, Govt. Funded, …
5/40
An ‘hourglass’ platform 
architecture
Allows innovation on all sides
● Minimal
● Standardized
…
6/40
J A M - The Foundation of the India Stack
7
7/40
Pradhan Mantri Jan Dhan Yojana
BANKING FOR ALL
8 Source: As on 29 Mar 2016, http://pmjdy.gov.in
8/40
Accelerated by Regulatory Innovation
Source: News Reports 9
BANK 
NATIONALIZATION New Banks
196…
9/40
Aadhaar: 1 Billion in 5.5 Years
950M
600M
300M
100M
50M
Source: Data from http://www.uidai.go…
10/40
The rise of smartphones
Current sales
about 25M 
smartphones 
per quarter
 Source: Ericsson Mo…
11/40
The Evolution of the India Stack - Built on JAM
12
2010 2011 2012 2013 2014 2015 2016
950 M
100…
12/40
 Name
 DoB/Age
 Gender
 Address
 Mobile/Email
1234 5678 9012
Unique
Lifetime
13
13/40
Aadhaar
Authentication
NO MORE PHYSICAL 
PRESENCE
Are you who you claim to be?
Only a yes/no a…
14/40
Aadhaar
e-KYC
NO MORE PHOTOCOPIES!
Access ONLY via authentication
No more fake identities
No m…
15/40
Existing DSC non-scalable due to physical verification, paper process, and use of dongles
eSign al…
16/40
Digital Locker - eliminating fake papers
Open API based
Ecosystem driven
Digitally protected
So…
17/40
Unified Payment Interface
Source: http://www.npci.org.in 18
Instant
Push & pull
Virtual address…
18/40
Electronic Consent Architecture
Data Consumers
 (Banks,Credits
 Providers etc)
DIGITAL 
LOCKER…
19/40
 
20
PRESENCE-LESS LAYER Aadhaar Authentication
Unique digital biometric identity 
with open ac…
20/40
21
We will go from data poor to data rich nation in 5 Years!
 Digital 
 Identity
 Paperless
 P…
21/40
Nandan Nilekani, 2015 22
The phone will replace the card as the 
‘What you Have’ authentication f…
22/40
Nandan Nilekani, 2015 23
Combining Security with Convenience
Biometric smart phones enable 1-clic…
23/40
 Nandan Nilekani, 2015
The future is here!
Smartphones with 
integrated Iris 
recognition avail…
24/40
Providing credit without friction
25
25/40
Why Rajni Cannot Get A Loan?
26
Customers with the lowest default rates 
have the highest intere…
26/40
Need 
a loan
Sees 
loan 
offers
Accepts 
best 
offer 
Receives 
loan 
Sells 
Goods
Repa…
27/40
Consent 
Architecture
Credit 
marketplace 
app
Credit 
marketplace
paperless 
contract
Tr…
28/40
Need a 
loan
Sees 
loan 
offers
Accepts 
best offer 
Receives 
loan 
Sells 
Goods
Repays…
29/40
30
Cashless &
 Paperless
Digital 
Footprints
Business
Micro-Credit
Business 
Growth
Feelin…
30/40
Making investments accessible
31
31/40
32
Source: NCAER-CMCR survey, www.openthemagazine.com, discussions with ScripBox
Onboarding 
Cos…
32/40
Sachet Sized Transactions!
With reduced costs, minimum ticket sizes 
will come down, volumes will…
33/40
To Increase Market Size 10x or 50x
Cost of Doing Business Must Come Down!
34
34/40
Enabling The Skills Marketplace
35
35/40
The Skills Problem
Low trust environment
Employers do not trust credentials
Training is not a di…
36/40
37
Training, 
Apprenticeship 
& Certification
Trusted
Credentials
Employment
Credible 
Hist…
37/40
Jeevan Pramaan Re-imagined
38
Govt 
Center
Nearby 
Shop
Home 
Service
Any individual or age…
38/40
39
India Stack as 
Digital Infrastructure 
Regulatory 
Policy
Market Making Policy 
via Chall…
39/40
40
Thank You
40/40


  • Previous
  • Next
  • f Fullscreen
  • esc Exit Fullscreen
@amitranjan

Share

India Stack - Social Impact at Scale

Embed code


Swipe LEFT
to view Related

Scroll DOWN
to read doc

This website uses cookies to improve your experience. By using this site, you consent to the use of cookies.

Login

OR

Forgot password?

Don't have an account? Sign Up