Guru Gobind Singh Indraprastha University

Guru Nanak College of Education

VITTIYA SAKSHARTA
ABHIYAN

Student’s Name: Divya Mor

I, Divya Mor, a student of Guru Nanak College of Education visited ten families in my
neighbourhood to know how many of them know about digital transactions and to teach them
about it. Many families are using smart phones and have Wi-Fi in their houses. Almost all the
families have bank accounts and have cards. They are using internet for many purposes but
don’t know much about digital transactions.

After the recent decisions made by the government, India is suffering a lot in financial
revolution. This is a new and effective way to promote the idea of cashless economy to make
life simpler. The purpose of the `Vittiya Saksharta Abhiyan’ is to actively engage the youth/
students of Higher Education Institutions to encourage and motivate all payers and payees to
use a digitally enabled cashless economic system for transfer of funds.

As a student, I took the step to motivate people to use digitally enabled cashless economic
system for transfer of funds. I taught them the different modes of digital transactions. Some
of the families are poor and uneducated facing more difficulties than the other ones.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 1

Number of members in the family– 4

How many of them use mobile phone – All of them

Type of mobile phone they use – Smart phones

Do they have a bank account–Yes

If yes, do they have a bank card – Yes, all of them

Type of card they have (prepaid, debit, credit) – Debit card and Credit card

Are they aware of the use of digital options of transaction–Yes

Do they have adhaar no – Yes

How many members use internet facility – 3

Which option of digital transaction they want to learn – Net Banking

Remarks-

All of the family members use Smartphone and they have bank account. All of
them use internet too but the mode of their payment that they use is more of
cash. They need to be made more aware about the benefits of the cashless
transactions through net banking and other mediums, and how it would be more
beneficial for them and country also. I told them about the e wallet, online
payment and money transfer.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 2

Number of members in the family – 3

How many of them use mobile phone – All three

Type of mobile phone they use – Smartphone (android and i-phone)

Do they have a bank account – Yes

If yes, do they have a bank card – Yes

Type of card they have (prepaid, debit, credit) – Debit and Credit both

Are they aware of the use of digital options of transaction – Yes

Do they have adhaar no – Yes

How many members use internet facility – All of them

Which option of digital transaction they want to learn – None

Remarks –

All of the family members use Smartphone and they have bank account. All of
them use internet too. The family and all members are well aware of the uses of
all the modes of digital transactions, net banking and other medium of cashless
transaction and they are making good use of these facilities.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 3

Number of members in the family – 7

How many of them use mobile phone – 4

Type of mobile phone they use – Smartphone (android and i-phone)

Do they have a bank account – Yes

If yes, do they have a bank card – Yes

Type of card they have (prepaid, debit, credit) – Debit and Credit both

Are they aware of the use of digital options of transaction – Yes

Do they have adhaar no – Yes

How many members use internet facility – Five

Which option of digital transaction they want to learn – None

Remarks-

Most of the family members are using Smartphone and they have bank
accounts. Four of them use internet. The family and all members are well aware
of the uses of net banking and other medium of cashless transaction and they are
making good use of these facilities.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 4

Number of members in the family – 5

How many of them use mobile phone – 4

Type of mobile phone they use – Smartphone (android)

Do they have a bank account – Yes

If yes, do they have a bank card – Yes

Type of card they have (prepaid, debit, credit) – Debit card

Are they aware of the use of digital options of transaction – Yes

Do they have adhaar no – Yes

How many members use internet facility – 2

Which option of digital transaction they want to learn – Net banking

Remarks-

Almost all of the family members use smart phones and they have bank
account. They use internet too but the mode of their payment that they use is
more of cash. They need to be made more aware about the benefits of the
cashless transactions through e wallet, net banking and other mediums, and how
it would be more beneficial to them and country also.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 5

Number of members in the family – 6

How many of them use mobile phone – 3

Type of mobile phone they use – Smartphone (android and I-phone)

Do they have a bank account – Yes

If yes, do they have a bank card – Yes

Type of card they have (prepaid, debit, credit) – Debit card

Are they aware of the use of digital options of transaction – Yes

Do they have adhaar no – Yes

How many members use internet facility – 4

Which option of digital transaction they want to learn – Net banking and loan

Remarks-

Half of the family members use smart phones and they have bank account. They
use internet too but the mode of their payment that they use is more of cash.
They need to be made more aware about the benefits of the cashless
transactions through e wallet, net banking and other mediums, and how it would
be more beneficial to them and country also.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 6

Number of members in the family -5

How many of them use mobile phone -2

Type of mobile phone they use - Normal mobile phones

Do they have a bank account - One

If yes, do they have a bank card – Yes

Type of card they have (prepaid, debit, credit) – Debit card

Are they aware of the use of digital options of transaction - No

Do they have adhaar no - Yes

How many members use internet facility - None

Which option of digital transaction they want to learn - They need all guidance
about cashless transactions.

Remarks-

The family is one of many below poverty line families. They use 2 normal
mobile phones and are not much literate about the technologies related to
internet and others. They need to be guided well about having a bank account
opened and using internet. Also they need to be helped and encouraged for
using card and net banking and how to use them.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 7

Number of members in the family-3

How many of them use mobile phone- 2

Type of mobile phone they use-smartphones

Do they have a bank account- Yes

If yes, do they have a bank card-Yes

Type of card they have (prepaid, debit, credit)- Debit and credit cards

Are they aware of the use of digital options of transaction-Yes

Do they have adhaar no-Yes

How many members use internet facility-All of them

Which option of digital transaction they want to learn- None

Remarks-

All the three members in the family are well literate and are aware of all the
facilities related to transactions and usage of internet and are using them all for
their benefits and needs.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 8

Number of members in the family-9

How many of them use mobile phone-3

Type of mobile phone they use-Normal mobiles

Do they have a bank account-yes

If yes, do they have a bank card-yes

Type of card they have (prepaid, debit, credit)- Debit card only

Are they aware of the use of digital options of transaction- yes

Do they have adhaar no-yes

How many members use internet facility-none

Which option of digital transaction they want to learn- net banking

Remarks-

The family is middle class family. Three members of the family use normal
mobile phones. They are aware of cashless transactions but never used them.
They have bank accounts as well as debit card but do cash payments only. They
require the awareness about using the card and net banking facilities and their
uses.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 9

Number of members in the family-7

How many of them use mobile phone-1

Type of mobile phone they use-Normal mobile phone

Do they have a bank account-No

If yes, do they have a bank card-No

Type of card they have (prepaid, debit, credit)- None of them

Are they aware of the use of digital options of transaction-No

Do they have adhaar no-Yes

How many members use internet facility- None of them

Which option of digital transaction they want to learn- how to use internet,
having bank account and its facilities related to transaction of money.

Remarks-

The family is below the poverty line, they don’t have any bank account. Only
one of them use mobile phone that too a normal mobile phone. They are
unaware of using internet facilities. They should be guided of how to use
internet and what are its various uses. They should be helped in opening bank
account and use its facilities for the money transactions and what will be the
benefits of doing so.
 VITTIYA SAKSHARTA ABHIYAN

Educating People about digital options of transactions

Family No. 10

Number of members in the family-2

How many of them use mobile phone-2

Type of mobile phone they use-Normal mobile phone

Do they have a bank account- Yes

If yes, do they have a bank card-Yes

Type of card they have (prepaid, debit, credit)- Debit card only

Are they aware of the use of digital options of transaction- No

Do they have adhaar no-Yes

How many members use internet facility-Both of them

Which option of digital transaction they want to learn- net banking

Remarks-

Both of the family members (Husband and Wife) use normal mobile phones.
Both of them work in shoe factory. They have bank account as well as debit
card. But they do cash transactions for their payments. They need a little
guidance about the use of internet and net banking for money transactions.