Also Read: India is now tech capital of biometrics: Nandan Nilekani
In case of a person migrating to a different city, Nilekani says there will be a very simple process by which one can update hos or her address in the Aadhaar database. It is designed for quick address updates, but it is still being refined and in the next few months it will be relatively easy to change one's address in the Aadhaar system.
Below is the verbatim transcript of Shikha Sharma & Nandan Nilekani's interview on CNBC-TV18
Q: Let me straightway get to Shikha and get what exactly she has in terms of plans. What exactly have you unfurled today?
Sharma: What we have launched today is being able to do eKYC for account opening across 1000 branches of Axis Bank across the country. We hope to be able to do this for all branches of the bank by the end of the month.
So, what it means for customers is that they can walk in with their Aadhaar number to any branch of Axis Bank, they can do a biometric authentication which will serve as their ID proof and their address proof and they can pretty much walk out with an account. So it brings a completely different level of convenience and access to bank accounts for customers.
When Aadhaar was launched the promise was that it would have the ability to transform the way banking and payment is done. I am delighted that we actually have a real service out there which demonstrates that we can completely change the way banking is done using the Aadhaar platform.
Q: Do you think it is really going to open banking to a whole lot of people. At the moment you all are not really in rural area in a very big way. Even now about 30 percent of India is still unbanked. The category of people you are catering to would have other identification papers, wouldn't they? Is it going to be of very great use now or is it more in terms when you get into financial inclusion in a big way?
Sharma: It does two things, it first of all makes the account opening process much simpler because you do not have to get a host of documents and we have reduced the processing time at the branch dramatically and when you have such a convenient process then it is possible to take it out to branches and to BCs and that is what the intent would be. So while immediately we are going to all our branches, but the end-state would be to actually be able to do this eKYC through BCs and go to customers even in areas where we do not have a branch.
Q: Do you see teething problems? There are kids who come from other places to our office. Here at least you have an office account, but when people migrate and they do not have a permanent address they take their Aadhaar which has an address of another town and come to your branch and get authorisation. You all will not raise complaints that you do not have a local address over here and therefore we cannot open an account here?
Sharma: As long as the address is the same as what is on their Aadhaar identity detail, you can go and open an account, but if you have a new address then they will have to get some address proof from their current employer.
Q: So they will have to get it changed in their Aadhaar card as well?
Sharma: They could do that later, but they could for their account opening get a separate address proof.
Q: When does this process get really streamlined? It is not all that easy to open a bank account, especially when a person is new in a town and may not be able to produce any permanent papers. Does Aadhaar breach this gap at all?
Nilekani: Yes, because the whole idea is that Aadhaar is nationally mobile proof of ID and proof of address. So if you migrate to a new city, we will give a very simple process by which you can update your address in our database. You would update it first in the Aadhaar database and then you can use it anywhere because you now have the latest address in the Aadhaar database. So it is designed for quick address updates and we have launched the update, but we are refining it and in the next few months it will be relatively easy to change your address in the Aadhaar system.
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