U Secretary ka DFS U Pynpaw ïa Ki Jingpynkylla Bathymmai ban Pynkhlaiñ ïa ka Jingkynthup Lang ha ka Kam Pla Tyngka ha GFF 2026

U Secretary, Department of Financial Services (DFS), Ministry of Finance, Sorkar India, U Bah Sanjay Lohiya, mynta ka sngi u la pynrung paidbah ïa bun tylli ki jingpynkylla bathymmai ha Global Fintech Fest (GFF) 2026, ban pynkhlaiñ ïa ka jingkynthup lang ha ki kam pisa pilïang hapoh ka ri. Ki jingpynbna ki kynthup ïa ka jingwanrah ïa ka Open-Source (Android) ATM kaba lah ban pynmih mar-mar ïa ki Rupay Card bad Merchant UPI QR; ka jingpynlah ïa ka ‘Credit Line on UPI’ na bynta ki katto katne ki scheme ai ram kiba la kyrshan da ka Sorkar; bad ka jingwanrah ïa ka Aadhaar Enabled Payment System (AePS) Three-Party Cash Deposit. Ïa kane ka jingpynbna la pynlong ha ka jingdonlang jong U Bah Saurabh Vijay, CEO jong ka Unique Identification Authority of India (UIDAI).
Ka Open Source (Android) ATM na bynta ka Jingpynmih ïa ki RuPay Card bad Merchant QR
Kane ka solution kan pynlah ïa ki customer ban ïoh noh mar-mar ïa ki RuPay Debit, Credit bad NCMC Card kiba la pynbeit kyrpang ïa ki, lyngba ka ATM da kaba bud ïa ka rukom self-service kaba suk. Ka Open-Source (Android) ATM kan lah ruh ban pynmih ïa ki Merchant QR Code na bynta ka jingpdiang jingsiew lyngba ka UPI, kaba yn pynsuk ïa ki merchant ban buh bad pyndonkam ïa ki QR bad ban sdang pdiang jingsiew. Ki nongwan bynta bad ki nongïashim bynta ha GFF ki la ïoh ban mad bad sakhi hi dalade ïa kine ki Open-Source ATM kiba la buh kylleng ki jaka pynlong ïa ka GFF.
Kane ka solution ka thmu ban pynheh ïa ka bynta jong ki ATM, ym tang kum ki kor ban sei bad thep pisa, hynrei kum ki jaka ai jingshakri ïa ki customer bad ki jaka ban ïoh jingïohlad sha ki jingshakri Banking kiba stad. Ki customer kin lah ban ïoh ïa ki card jong ki beit na ka machine, khlem da ap ïa ka jingwan poi lyngba Courier lane ban leit sha Branch. Ha kajuh ka por, ki merchant kin lah ban ïoh ïa ki QR Code mar-mar na bynta ban pdiang jingsiew lyngba ka UPI. Nalor kata, kine ki ATM kin ai ruh ïa kiwei pat ki jingshakri Banking, kum ka jingthep Cheque, jingplie Account, bad jingpyntrei ïa ki jingkyrpad Loan.
Ki Bank ki ruh ki dang wad bniah ïa ka jingpyndonkam ïa kine ki ATM kum ki Digital Banking Units (DBUs), kaba pynlah ïa ki ban pyniar ïa ki jingshakri Banking sha ki thaiñ semi-urban bad nongkyndong, ha ki jaka ba ki Branch Bank tynrai kim pat biang ne ki don tang khyndiat. Nalor kata, ki Bank ki lah ban buh ïa kine ki ATM ha Metro Station bad ki Transit Hub, ha ki Airport—kynthup ruh ïa ka jingïoh rung mar-mar sha ki Lounge—bad ha ki Educational Campus bad Corporate Park, kaba pynlah ïa ki nongleit jingleit, ki samla pule bad ki nongtrei ban ïoh noh mar-mar ïa ki Card jong ki. Da kaba pynlah ïa ka jingpynmih Card mar-mar lyngba ka ATM, ki Bank ki lah ban pynbha ïa ka jingoh customer thymmai bad ka onboarding, ha kajuh ka por ban pynduna ne pynduh ïa ki jinglut bad ki jingeh kiba mih na ka leit sha ki Branch bad na ka jingpynpoi ïa ki physical card.
Ha kane ka por, ki don khyndai tylli ki Bank, kynthup ïa State Bank of India, Bank of Baroda, Union Bank of India, Punjab National Bank, Bank of India, Central Bank of India, UCO Bank, Slice Small Finance Bank bad Airtel Payments Bank, kiba ïatreilang bad NPCI bad ki ATM OEMs kum ka Hitachi Payment Services, Perto India bad Vortex Engineering, ban bishar bniah bad ban wad jingtip shuh shuh halor kane ka solution.
‘Credit Line on UPI’ na bynta ka Kisan Credit Card (KCC) bad PM MUDRA Yojana (PMMY)
Ïa ka ‘Credit Line on UPI’ la pynlah da ka Reserve Bank of India (RBI) ha u bnai Nailur 2023, kaba pynïaid lynti ïa ki credit line na Bank kiba la dep pynshisha lypa ban pynïasoh kum ki account ban pyndonkam kum ka tyllong pisa lyngba ka UPI. Kane ka sienjam ka pynlah ïa ki nongïoh jingïarap kiba bit hapoh ka Kisan Credit Card (KCC) bad PM MUDRA Yojana (PMMY) ban pyndonkam ïa ka credit limit kaba la dep shah pdiang jong ki na bynta ka jingpynsiew sha ki merchant lyngba ka UPI. Kane ka wanrah ïa ka jinglah ban ïoh formal credit lyngba ka digital sha ki nongrep bad ki kam khaii kiba rit.
Kine ki flagship credit schemes la seng ban pynkhlaiñ ïa ka financial inclusion hapdeng ki bynta kiba la buh kyrpang, da kaba pynbiang ïa ka lad ban ïoh working capital bad overdraft facilities. Ha ka jingïatreilang, kine ki scheme ki pyni ïa ka credit ecosystem kaba khraw, ha kaba don palat 7.7 crore ki KCC account kiba dang treikam, bad ki credit limit kiba la shah pdiang ki palat ₹10 lakh crore. Ha kajuh ka por, don palat 57 crore ki PMMY loan, kiba kot sha palat ₹40 lakh crore.
Ka jingpynïasoh ïa kine ki scheme bad ka Credit Line on UPI ka lah ban wanrah ïa ka jingkylla kaba khraw ha ka rukom ai bad ïoh credit, da kaba pynsuk bad pynïohlad kham bun ïa kine ki bynta kiba la buh kyrpang ban ïoh formal credit lyngba ka digital, ha ka rukom kaba suk, stet bad shngaiñ.
Ki nongbat KCC Account kiba bit jong ki State Bank of India, Bank of Baroda, Punjab National Bank, Union Bank of India, Indian Bank, Canara Bank, Indian Overseas Bank, IDBI Bank, Bank of Maharashtra bad UCO Bank, ki lah mynta ban pyndonkam ïa ki Credit Account jong ki kum ki Credit Line on UPI.
Ki nongïoh jingïarap MUDRA jong ki State Bank of India, Punjab National Bank, Bank of Baroda, Union Bank of India, Canara Bank, Indian Overseas Bank, IDBI Bank bad UCO Bank ki lah ruh mynta ban ïoh jingmyntoi na kine ki jingshakri lyngba ka UPI. La khmih lynti ba kiwei pat ki Bank kin sa pynïar ruh ïa kine ki credit facilities lyngba ka UPI ha ki bnai ban wan.
Ka Aadhaar Enabled Payment System (AePS) Three-Party Cash Deposit
Ka AePS Three-Party Cash Deposit ka dei kawei ka jingshakri banking kaba ïatreilang hapdeng ki system bapher, kaba pynlah ïa u nongthep pisa, uba la rejistar lyngba ka eKYC kaba pynshisha da ka Aadhaar Biometric Authentication, ban thep pisa da kaba beit sha bank account jong ki dkhot ka ïing ka sem lane ki briew ba ki ieit, lyngba ki AePS Touchpoint Operators (ATOs) kiba ïashim bynta.
Ïa kane ka jingshakri la thmu ban pynïar ïa ka lad ban thep pisa da ka cash kham shabar ïa ki Bank Branch tynrai, da kaba pyndonkam ïa ka AePS ecosystem kaba la don lypa bad ka network jong ki assisted banking ha ki jaka kiba kham hajan bad ki paidbah. Ka AePS Three-Party Cash Deposit ka pher na ki rukom thep pisa tynrai, kiba lah ban shaniah ha ka Bank Branch jong ka bank hi, ki Cash Deposit Machine lane kiwei ki proprietary infrastructure. Kane ka jingshakri la thaw ban pynsuk ïa ka jingthep pisa sha ki Beneficiary Account lyngba ka AePS network.
Kane ka jingshakri kan pynlong ïa ka jingthep pisa cash kaba shngaiñ bad kaba lah ban shaniah, na bynta ki customer bad ki beneficiary. Ka Aadhaar-based biometric authentication ka pynshisha ïa ka jingdon jong u nongthep pisa ha man la ka transaction, katba ka beneficiary validation ka ai sa kawei ka jingïada ban pynskhem ïa ka jingpynshisha. Shuwa ban pyndep ïa ka jingthep pisa, u customer un ïoh ka jingpynshisha ïa ka kyrteng jong u beneficiary lyngba ka SMS, kaba ïarap ban pynthikna ba ka pisa kan leit sha ka account kaba dei jong u beneficiary.
Na bynta ki customer, kane ka mut ka por leit lynti kaba duna, ka jingïoh jingïarap ha ki kam pisa bad ki jingsiew jong ka kam khaii kaba kham suk, bad kawei ka lad jingïarap na bynta ki customer kiba kham duna ka jingsngewthuh ne ka jingïabit bad ki jingshakri digital. Ka ai ruh ïa ka jingkyrmen bad jingshaniah kaba kham khraw lyngba ka beneficiary validation bad ka jingpynshisha ïa ka transaction. Da kaba pynïar ïa kane ka jingshakri sha ki jaka kiba kham jylliew ha Bharat, ka Three-Party Cash Deposit ka thmu ban wanrah ïa ki lad thep pisa cash kiba paidbah ki lah ban shaniah bad kiba ïadei bad ka banking system, kham hajan ïa ki customer ha ki thaiñ nongkyndong, semi-urban bad ki jaka kiba dang duna ki jingshakri, bad ban kyrshan ïa ka jingthmu kaba kham paidbah jong ka financial inclusion.
Ka thup ki Bank kiba la pynlah mynta ban pyndonkam ïa kane ka jingshakri ki kynthup ïa Airtel Payments Bank, Bank of Baroda, Canara Bank, Fino Bank, IDFC FIRST Bank, Indian Bank, Indian Overseas Bank, IndiaPost Payments Bank, Karur Vysya Bank, Punjab National Bank, State Bank of India, Tamilnad Mercantile Bank, Union Bank of India bad YES Bank. La khmih lynti ruh ba kiwei pat ki Bank kin sa shah pynlah ban pyndonkam ïa kane ka jingshakri ha ki bnai ban wan.