Lack of trust in online and digital transactions is the biggest challenge in realising the aim of a cashless economy. This has to be dealt with through collective efforts, said Haryana’s additional chief secretary (home) Ram Niwas. The top bureaucrat called on government officials to work on building confidence among people about cashless transactions.
“Trust deficit in online and digital transactions is the biggest hurdle in a cashless economy. But for becoming a cashless economy, shifting to digital and online modes of payment is necessary. All government departments should strive to start these modes by December end,” said Niwas while addressing a gathering of officials and bankers here on Friday. He said the New Year should usher in a “cashless year”.
Niwas said there are other challenges such as Jan Dhan accounts lying dormant for long and lack of sufficient ATMs in rural areas. The state government has deputed senior bureaucrats to visit and review progress of digital and online transactions in all districts.
“Jan Dhan account holders are not trained to use the banking system. There are not enough banks and banking correspondents in rural areas. Lack of ATMs is also a challenge,” he said.
Bank officials apprised the officer that Jan Dhan accounts of 95% eligible people were opened in the district. They were directed to hold camps for opening accounts for others as well.
The officer sought feedback from banks about the situation of cash and opening of new bank accounts for those from the unorganised sector. He said apart from cash transactions, there are other modes of payment such as digital wallets and RuPay cards.
Bankers said that 86% customers in Gurgaon have been issued RuPay cards. Niwas directed them to issue cards to the remaining customers by December 5.
District administration on Wednesday wrote to all departments to fill a proforma and apply for Point of Sale (PoS) machines or card swipe machines at the earliest. When asked about the progress on Friday, none of the department heads had any positive feedback. Niwas directed that operators at 80 common services centres in urban areas and 40 in rural areas be trained to make such transactions.
Additional deputy commissioner Vinay Pratap Singh directed all departments to submit a filled proforma before Monday.
All educational institutions, including private schools and colleges, will have to shift to cashless modes of transactions. Niwas said district administration officials would hold meetings with schools and colleges and give them a timeline to shift to cashless modes. A number of private schools have option for online transfer of fee but they insist on cash for various other fee.