Hindustan Times ( 29 Nov 2016 ) carries following news
report :
" Centre looks to bring daily
wage earners , SMEs in the banking net "
It goes on to read :
" The
government has directed all public sector banks to once again focus on opening
new zero-balance Jan Dhan accounts for daily wage
earners and those engaged with the small , micro and medium enterprises
.... this has to be taken up in mission mode to ensure that most payments to daily wage earners are included in the formal banking
sector .... the Centre has underlined the need to adopt electronic payment modes or cheques to pay wages "
Two days back , Shri Narendra Modiji had asked all citizens
to convert their mobile phones into their own,
personal " bank branch " through use
of e-Wallet apps
Some 6 months ago , I had sent following proposal to
all NDA ministers , outlining an End-to-End solution for enabling wage / salary payments
using Smart Phones
Its time has come NOW
!
Dear
Shri Narendrabhai :
If , some naysayers ( and there are many among our
politicians / economists ! ) tell you that my suggestion is " impractical
/ unviable / non-feasible " , tell them about that marble plaque at the
gates of the Sikorsky helicopter factory
in USA , which reads :
"
By all known laws of Aerodynamics , the ratio of the wing area to the weight of
a Humming bird is such that the humming bird cannot fly . But the humming bird
never went to college to earn a degree in aerodynamics , so it goes ahead and
flies any way "
Keep humming , Shri Narendrabhai !
with regards,
hemendrabhai
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Wednesday, 1 June 2016
BAD = Biometric Attendance Device
MAD = Mobile Attendance Device
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Most people think the greatest contribution of Bill Gates (
onetime CEO of Microsoft ) was " MS Operating System "
I think , it was his book " Business @ the Speed of Thought
"
Current CEO of Microsoft is a PIO named Satya Nadela
What is his contribution ?
What he said during his talk in Delhi on 30 May , called ,
" Tech for Good , Ideas for India " :
He cited the example of how NASA scientists were not able
to see the Rover move on Mars but the holographic output of the Rover is right
there in their office.
Nadella also met two young developers, one of them a 17-year-old
who has figured out how to take data from NASA , conflate it with other
information and see the spread of algae in Bay of Bengal. “Here’s a student who
is taking information that is available, bringing it together—he wanted to have
a real impact right here in terms of how we managed our climate,” he said.
Nadella wrapped up by summing Microsoft’s mission in India.
" It is about really celebrating
the technologies that you all in India create. In fact, I want us to be the
platform creators that foster the ingenuity of
what is happening in India,” he said.
Here is my idea of a technology
that we need to create for a better India :
Today Employee Attendance Systems in India work at three levels
as follows :
# Entirely Manual
Attendance Register and Wage / Salary
payment in cash or by Cheque
# Partly Automated
Punch cards or Bio-metric recording
of attendance but manual calculation
of wages / salaries and payment by cash
or cheque
# Fully Automated
Bio-metric Attendance Devices ( BAD ) , integrated
with a home-grown or
bought-out Salary Payment Software , running on a local Server.
Salary payments could be by cheques or
thru Electronic Transfer to
concerned
employee's bank account
Once in a while , if a company has several establishments within
a city , those local servers are connected to a Central Server , doing all
processing
In a rare case ( although , I am not aware of any ) , it may be
that all the local servers of all the establishments of a company , all over
the country , are networked with its central computer in its head-quarter
Now imagine this :
# All smart phones to evolve
as Bio-metric Attendance Devices , with built-in
Bio-metric Recorders , GPS , a mobile attendance App ( called MAD ? )
# App to have 2 buttons ( Green = IN / Red = OUT )
# Employee to touch IN upon reaching his work-station and touch
OUT ,
while leaving work place , at the end of
work-shift . That's all !
# Being GPS enabled , buttons will get activated ONLY when the
employee
has reached the work place ( not while he is
on his way ! )
# All 100
million establishments in India ( factories / offices / shops / clinics
NGOs / Govt Depts ) to ensure that the MAD app is installed on the smart
phone of each employee , when he joins
# All of these smart phones to be connected ( IoT ? ) ,
with the Servers of ,
* Labour Ministries ( Central and
States )
* HRD Ministry ( Central )
* Skills Development Ministry / NSDC
* Finance Ministries ( Central + States )
* NITI Aayog
* Income Tax Department
* Any other server that you may want to
# MAD app is
integrated with a STANDARD / COMMON , software system
for computing daily wages / monthly salaries of ALL the persons working
in those 100 million establishments ( whether they are casual /
contractual / trainee / apprentice / probationer / permanent / retained
# As each person joins in any of these
establishments , data re that
person must be inputted by the Employer
into the App , such as :
* Name / Contact Details / DOB / Aadhar
Card No / Employee Number
( Each unique
Employee Number will be auto-generated by the
common Salary
Payment Software , running on IT Dept Server )
* Employee's Jandhan
Yojana Bank Account Number for salary EC
* Employer's Jandhan bank
account / Unique Employer Number
* Payment Mode ( Hourly /
Daily / Monthly Rated , wages / salaries )
* Leave provisions / PF rate / TDS rate / Allowances /
Reimbursements
* Any other relevant data (
either about employee of for employer )
WHAT ARE
THE ADVANTAGES ?
# For employees ,
no need to file a separate annual Income Tax Return
# Direct deposit of PF / TDS amounts into bank
accounts of Govt Depts
# Direct Benefit Transfer ( DBT ) to every Employer
for Stipend Subsidy ,
based on number of total trainees /
apprentices employed
# Total number of employees in India ( category /
region / industry )
# Employment Density ( Industry wise / Region wise /
Skill wise etc )
# Net Employment Growth Rate ( weekly - monthly /
Industry-wise )
# Co-relation with no of persons graduating at various
levels
# Data about those Unemployed ( " Graduating
" less " Employed " )
# Overtime Statistics ( Use / Abuse )
#
Work-hour Analysis ( Ave hours / week - month )
# Wage /
Salary Rates ( Rs per hour ) - Industry wise / Region wise
( of great interest to Foreign
Investors looking to bring down
manufacturing costs , by
outsourcing to India / manufacturing in India )
#
Compliance with labour laws / tax laws / Apprentice Act etc
# Job Market Forecasts through BIG
DATA ANALYTIC ( region / industry )
# Demographic Profiles of employees (
Rural to Urban migration )
# Per
Capita Income Growth for persons using MAD app ( MOM / YOY )
# Changing composition between Blue Collar and White
Collar employees
Then there could be many other benefits not envisaged now
Here is an opportunity for :
* Manufacturers of Smart Phones
To shrink stationary / bulky / common ,
bio-metric devices to mobile /
small / personalized / hand-held
devices
{ Remember ?
If you don't make yourself obsolete , someone else will }
* Tech Start Ups
To come up with the Mobile App ( MAD )
/ Technology Platform
* NDA Government
To implement what Shri Narendra
Modiji said on 15 July 2015 :
" If China is like a manufacturing factory
of the World , India should
become the human resource capital of the World .
That should be our target and we should lay
emphasis on that .
We should have a futuristic vision and prepare
plans for the next ten years "
MAD could well
be an important element of that " JAM PLAN " !
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29 Nov
2016
www.hemenparekh.in
/ blogs
