Biometric mobile atm at sivaganga
Finance minister's constituency gets its first 'rural' Atm courtesy Bank of India's new initiative.I have been a new entrant in using ATM's and i can tell you, that the process is intimidating the first few times.My bank has an ATM just outside their regular branch office and i used to slip into the usual routine of withdrawing cash from the bank teller, though the bank thrust an ATM card on me quite some months back(i never filled in multiple pages of information, but bank decided to go ahead with a free add on benefit without any request from me).
It was not until a few weeks ago i suddenly realised the need for cash while making purchases for the 'homam' for appa's sathabhishekam.Realised 'narayanan naatu marundu kadai' does not accept credit cards.Hence swooped to the nearest atm.That was my initiation;it had a few hiccups and the security guard and later the customer who was waiting for me to get out, helped me complete the process satisfactorily.
The long story is to tell you that it takes a while to adopt to the simplest technology as it represents a change ; and when there is a need and there are no alternatives then we adopt the change, with a little prodding,a helping hand, maybe.
Hence when ATMs are introduced in rural pockets, pin numbers are dispensed with and a biometric identification is installed. Very innovative.Kisan credit/debit cards will be used in these atms and i am sure our rural folk will find out how to go about using these facilities.
I remember sometime back when M S Swaminathan started a rural initiative to empower them with technology,the alacrity with which they adopted to the same was shown in a video presentation.It was most endearing.I realised then that our rural people will use anything which will make their life better and catch any straw which will raise them above their present condition.There was this girl, just out of 12th standard who was managing a pc booth and charging for taking photographs from the webcam!The entire village lined up for this facility!I am sure this was not the most important application that the developers thought of, but the users got from the device what they want.
Coming back to the subject;"To bank the unbanked", says Bank of India's advertisement.I see a future where the rural populace embrace technology and reap the benefits that the same will bring to the fullest measure.
2 Comments:
Good that technology is helping rural developement. I hope it works well.
I am reminded of my first use of the atm card given by canara bank. I was sort of hesitant and was thinking the process while inserting the card. I don't know how the machine understood my trepidition, I got a message saying proceess can not be done or some such thing. That is "the machine ate my card!!" luckily the atm was in bank premesis and it was banking hours and I went and met the manager, and he got a key and opened the machine and hey and presto few cards came out. So I was the only one who had accepted my foolishness of not knowing how to use the machine. He rewrote the card or what ever and gave it to me and from then on I am quite used to the to atm.
prashant takes atm usage to an extreme level. He feels he is careless and could get pickpocketed anytime, so manages to draw cash everyday for that day's needs. I remember the counter clerk was shocked to see so many entries for such small amounts in one month. She was perplexed as several of them were also attracting service charges for using other bank atms.Incidentally the service charges ate up a good portion of the withdrawn amount.
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