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#1Talking Interoperability In Focus | Karnataka State, India Digital Convergence USP2030#2Ongietorri Akwaba Dobrodošli Welkomma Üdvözlet Nau Mai Yokoso Accogliere Benvido Bem-vindo Willkommen Haere Mai Salve Welcome Tervetuloa Accoje Hosgeldiniz Benvignùo Fáilte Benvenuto Welkom Bonavinuta Velkomin Namaste Witaj Bun venit Aloha әпиәлиә!я Huan Ying Digital Convergence USP2030#3Agenda 12:00-12:15 Welcome and introduction 12:15-13:00 Presentation on Kutumba 13:00-13:30 Discussion 13:30-13:55 Audience Q&A 13:55-14:00 Closing remarks Digital Convergence USP2030#4Housekeeping rules • Camera on when speaking (preferably) • Mute yourself when not speaking • Raise your hand for questions or type in chat Session will be recorded Type a new message 母 fi B Digital Convergence USP2030#5The Digital Convergence Initiative (DCI) A joint effort by USP2030 members and non-members, governments, development partners and private sector towards creating a harmonized and interoperable digital ecosystem for social protection Building consensus-based standards for interoperability to foster an ecosystem for innovation by ICT solution providers to build products that are interoperable, easy to use, integrate, maintain and scale • reduce time and costs of developing solutions at the country/program level enable programs and countries to mix and match different components from different suppliers • ensure that systems are future-proof by design, regardless of current levels of policy and information systems maturity Digital Convergence USP2030#6Talking interoperability A monthly dialogue series by the DCI to facilitate in-depth technical conversations around integrated and interoperable SP information systems across countries Deep dive into one country-level system per session to • • share the technical nitty-gritty of how agencies have designed their social protection information systems for interoperability understand how agencies have tackled the major challenges to • interoperability. brainstorm potential solutions to remaining bottlenecks Digital Convergence USP2030#7Introductions#8Presenters Discussants Moderator Rajiv Chawla Chief Knowledge Officer and Advisor, National Farmers' Welfare Implementation Society & Former Additional Chief Secretary, Government of Karnataka Annapurna K Project Director, Centre for e-Governance, Government of Karnataka Raul Ruggia-Frick Director, Social Security Development Branch, International Social Security Association Rodrigo Assumpção Social Protection Management Information Systems Specialist, International Labour Organization Anita Mittal Senior Advisor, Digital Convergence Initiative, GIZ Digital Convergence USP2030#9Rajiv Chawla Chief Knowledge Officer and Advisor, National Farmers' Welfare Implementation Society & Former Additional Chief Secretary, Government of Karnataka Digital Convergence USP2030#10Annapurna K Project Director, Center for e-Governance, Government of Karnataka Digital Convergence USP2030#11Raúl Ruggia-Frick Director, Social Security Development Branch, International Social Security Association Digital Convergence USP2030#12Rodrigo Assumpção Social Protection Management Information Systems Specialist, International Labour Organization Digital Convergence USP2030#13Anita Mittal Senior Advisor, Digital Convergence Initiative, GIZ Digital Convergence USP2030#14CEG CENTRE FOR e-GOVERNANCE e-Enabling Government 8 KUTUMBA Kutumba, Karnataka, India Mr. Rajiv Chawla Ms. Annapurna GOVERNMENT KARNATAKA NT OF#15Karnataka • Located in Southern India • • • 61.1 million population/13.5 million Households (2011 Census) . • 13.2% of the population multi-dimensionally poor One of the Top 5 states in India . per-capita Gross State Domestic Product (GSDP) of INR 0.305 million (estimated for FY 22) A major job producer • 10% of the formal jobs in the country • . Contributes 8.8% to the national Gross Domestic Product. 3rd among States SDG India Index Report 2020-21. • Pioneer state in e-Governance • • • Only state to have a separate department of e-Governance – est. in 2003. Citizen services/benefits delivered electronically Citizen Service Centres at Village level – citizen access to online services 21/03/22 2#16Information systems landscape in Karnataka Common digital infrastructure 21/03/22 Socio Economic AADHAAR Aadhaar (National Foundational ID) SECC and Caste Census (Survey-based deprivation data) Beja BOGD B1/K1/ KARNATAKA On Suvidha Seva Sindhu (Single window) GramaOne /Janasevaka (Citizen service centers) (Eligibility discovery) ಜನಸ್ಪಂದನ 1902 1329 19 Integrated Public Grievance aled artab aharald State DBT Portal (G2C Payments) Redressal Portal Khajane (State IFMS) eProcurement Portal State Scholarship Portal Bhoomi FRUITS (Land records) (Farmers registry) eJanma (Births and deaths) MGNREGA (Public works) SATS (Students registry) Nadakacheri (Income and caste data) e Sahamati (Credential verification service) UDID स्वावलम्बन Swarlamban (Disability registry) 3#17Social Protection programmes 41 departments implements 1800+ welfare schemes/programmes SP program Public Distribution System (PDS, subsidized food transfer) Ayushman Bharat Arogya Karnataka (Non-contributory targeted health insurance) Social Security Pensions (Social pensions) Scholarship Programmes (Pre-matric and Post-matric) CM Raitha Vidya Nidhi Scheme (Conditional cash transfer) Rural and Urban Housing 21/03/22 Target group/function Priority and Non Priority Households All families residing in Karnataka Vulnerable Groups (Senior Citizens, Specially Abled, Widows, Destitute) Students Students belonging to farmer families Households without house or living in kucha house Lead agency Food and Civil Supplies Department Health and Family Welfare department Directorate of Social Security Pensions Depts. of Social Welfare, Tribal Welfare, Backward Classes Welfare and Minority Welfare Dept. of Agriculture Coverage (HHs/individuals) 15 million HHS/ 55 million individuals 10 million individuals 7.3 million individuals 3.5 million students 0.5 million students Rajiv Gandhi Rural Housing Corporation 0.2 million households 4#18What ails Karnataka's Service delivery system? • High Barriers for poor and vulnerable to get social benefits • Lack of enough resources – cornering of benefits by powerful and influential . No need score based prioritisation of applicants • Rent seeking and inefficient state machinery to administer benefits • Lack of awareness among poor and vulnerable about government benefits • Government system not capable of helping poor facing sudden shocks 21/03/22 5 LO#1921/03/22 Introducing KUTUMBA 6#20Kutumba: a Social Protection System cum Entitlement Management System Created under sec 4(4)(b)(ii) of Aadhaar Act with following objectives Easy access to government benefits by poor and needy - Bringing inclusive growth Prioritise poor and needy for getting government benefits - based on Need score Minimise or remove state machinery in assessing needs and condition of poor AND to administer benefits - automation to eliminate leakages Enable poor to seek and get state help when faced with sudden shocks ☐ Evidence based planning - Data Analytics - Ask data only once Once Only principle - Government benefits to automatically reach poor as per their entitlement – proactive Governance 21/03/22 7#21How Kutumba has evolved 21/03/22 • 2018-19 2019-20 2020-21 2021-22 As on date Announced in the Budget Kutumba, an Entitlement Management System Family ID shall be created • • Proof of Concept carried out MDM technologies • Field Survey • Centralized data repository • • created. 18 Databases connected to Public Distribution System database Family ID of 54 million citizens created • Included in the • Budget Family ID to be developed into an Social Protection System with 5 components • Social • Protection System with 5 components put in place Suo-moto delivery of benefits on entitlement basis initiated 8#2221/03/22 KUTUMBA ECOSYSTEM KUTUMBA 1. Social Registry 2. Beneficiary Registry 3. Suvidha New R 4. Payment Portal ★ 5. Grievance Redressal 9#231. Social Registry . • Centralized dynamic, self updating data repository 15 million families and 55 million residents covered Citizens can enroll/register their families in Kutumba - self enrollment/assisted Consists of the individual and family attributes required for determining eligibility to schemes/programmes 21/03/22 Individual Attributes Family Attributes Name Gender Date of Birth Education Level Occupation Marital Status Parent Details Disability Income Tax (IT) Payee Caste Income Land Holding Location of Residence Contact details Deprivation Status PHH/NPHH Housing Status Identifiers MGNREGA ID (Public works) Labour ID SECC ID (Socio-economic database) Education ID Ayushman Bharath ID (Health insurance ID) Pension ID Housing ID Scholarship ID Farmer ID 10#241. Social Registry (contd..) Data from the Public Distribution System, key SP programme covering 55 million HHs, used as a base and other registries the integrated with it No survey done - dynamic data update Validated data from source systems – reliable and authentic *Yes/No Response 21/03/22 PDS Caste and Income Transport SECC (Socio-economic data) Social Security Pensions Housing UDID (Disability) MGNREGA (Public works) IT/PT* (Income/Professional Tax) Birth and Death data FRUITS (Farmers database) Utilities Anganwadi (pre-school education) Ayushman Bharath Arogya Karnataka (Health insurance) Labour Education HRMS GSTIN holder* (Goods and Services Tax) 11#25Kutumba – Social Registry - Family Members & Member Schemes Details 1. LOCATION DETAILS District Name: 2. PERSONAL DETAILS Name In English: Name In Kannada: Father Name: Marital Status: MYSURU Taluka Name: MYSURU Village Name : JOLA 10 tha Date Of Birth: 06/05/2007 Photo: Gender: pai Mother Name: Aadhar No.: XXXX-XXXX-3073 21/03/22 Mobile No.: F Is BPL: Spouse Name : Yes Resident Of Rural Area : Yes 12#26Kutumba - Social Registry 3. FAMILY DETAILS Caste: Family Land Extent: 4. ATTRIBUTE DETAILS 500020 Caste Category: JNE || (W) Family Income: 16000 Caste: 50002 Caste Category: || (2) Income: 16000 Farmer Category: Not applicable Education ID: 2752 Education Level: Secondary Only Disability: No Disability ID: Not applicable Pension ID: Not a Pensioner Pension Scheme: Not applicable Housing ID: No Housing Scheme: Not available 21/03/22 13#272. Beneficiary Registry • Contains details of social protection benefits extended to individual and families • Integrates benefits received by individual/family across programmes/schemes. Health Housing Agriculture MGNREGA COVID Financial Relief Social Security Pensions Targeted delivery of benefits and services • Social Security Pensions Scholarships - Pre & Post Matric Incentives to Milk Pourers Labour PM Kisan Matrushree Scheme Identify families/individuals who have not received benefits though entitled 21/03/22 • Identify families/individuals who have received benefits • Identify families/individuals usurping govt benefits. • Data Analytics . Impact of welfare schemes – improvement in socio-economic status, moving out of deprivation parameters • Income and Poverty Trends - Income and Poverty dispersion across state. 14#28Kutumba - Beneficiary Registry Details of Government Benefits that you have received Department Name Scheme Type Scheme Name Scheme Beneficiary ID Beneficiary Name Payment Year Amount Paid FRUITS State Incentives to Fruit Growing Farmers 231 RAJU 2021-2022 Yes FRUITS State FRUITS State Incentives to Fruit Growing Farmers Incentives to Vegetable Growing Farmers 311 RAJU 2020-2021 Yes 281 RAJU 2020-2021 Yes Ingrtd Farming in Coconut Prodty Imp FRUITS State Program 00 RAJU 2018-2019 Yes FRUITS Central National Food security Mission 05534 RAJU 2019-2020 Yes FRUITS Central National Food security Mission 0005534 RAJU 2020-2021 Yes FRUITS State Pradhana Mantri Kisan Samman Nidhi| Karnataka 195792 RAJU 2020-2021 Yes FRUITS State Pradhana Mantri Kisan Samman Nidhi Karnataka 195792 RAJU 2021-2022 Yes FRUITS State Pradhana Mantri Kisan Samman Nidhi Karnataka 195792 RAJU 2019-2020 Yes Decentrailzed procurement of NFSA FRUITS State Paddy Decentralised procurement under FRUITS State NFSA Ragi FRUITS State Decentralised procurement under NFSA Ragi RAJU 2020-2021 Yes RAJU 2020-2021 Yes RAJU 2019-2020 Yes Financial Assistance for Maize FRUITS State growers 00005534 RAJU 2020-2021 Yes 19 21/03/2#293. Suvidha Scheme Discovery, Eligibility Check & Service Delivery Portal • - • Fully automated beneficiary eligibility and entitlement identification process ● Interface for citizens to apply for schemes/programmes. Uses data from Social Registry of Kutumba to verify eligibility and identify the entitlement of citizens 21/03/22 . Requirement of document submission for eligibility criteria removed. • • Only data not available in Social Registry - to be submitted by citizen Data submitted by citizen verified by concerned data owner department - not by the department giving the benefit. • Verified data flows back to Social Registry and updated • Enables philosophy of ASK ONLY ONCE. 16#30Suvidha 21/03/22 Caste Backward Class (BC) Category Category - II (A) Select your age group: Adult (21-60) Pin Code 560057 Verified Last Verified - 30/9/2021 From Digilocker Aadhaar KYC Village/Town/City Bangalore North Verified Last Verified - 30/9/2021 From Digilocker Aadhaar KYC Name Verified Inda P Last Verified - 30/9/2021 From Digilocker Aadhaar KYC Select your gender: Male Verified Last Verified 30/9/2021 Select your gender: Male Verified Last Verified - 30/9/2021 From Digilocker Aadhaar KYC House/Building/Flat No. 6 Verified Last Verified - 30/9/2021 From Digilocker Aadhaar KYC Are you resident of Karnataka? Yes Name of Father/Husband S/O: Prakasha Murthy HT Verified Last Verified 30/9/2021 From Digilocker Aadhaar KYC District Name Bangalore Verified Last Verified - 30/9/2021 From Digilocker Aadhaar KYC Select your domicile state: Karnataka Verified Last Verified - 30/9/2021 From Digilocker Aadhaar KYC Schemes have been categorised under different categories. You can check the schemes as per your preferred category Agriculture (18) Social Services (13) > > Small Business/Employment (12) > Health and Medical (10) Education (9) > Assistance/Support To Victims (4) > Pension (3) Housing (3) > Auto populated data List of Eligible Schemes 17#314. Payment Platform State Direct Benefit Transfer Portal - payment platform of Kutumba ecosystem • Single platform for all beneficiary based payments. 21/03/22 • Integrated with DIRECT BENEFIT TRANSFER • National Payments Corporation of India System . Khajane -Integrated Financial Management System of Karnataka 1329 £9 ನೇರ ನಗದು ವರ್ಗಾವಣೆ • Public Financial Management System of Govt. of India • Supports Aadhaar-Enabled Payment System • Enables departments to make payments using Aadhaar, the national foundational ID, as a financial address. 18#325. Grievance Redress Citizen needs to have a recourse to • Raise grievance regarding incompleteness of data or incorrect data in Kutumba A mechanism to notify competent authorities about instances of misconduct and failures in the delivery of the promised benefit Integrated Public Grievance Redressal System (iPGRS) Centralised platform with online and call centre features . • • Has mapped grievances to Last mile functionary in each department. Specified timelines for Redressal of grievance Grievance closed only on confirmation from the citizen who has raised the same Kutumba on boarded on existing iPGRS system for grievance redress 21/03/22 1902 0000 ಜನಸ್ಪಂದನ - ಏಕೀಕೃತ ಕುಂದುಕೊರತೆಗಳ ನಿವಾರಣ ವ್ಯವಸ್ಥೆಗೆ ಸ್ವಾಗತ ನಿಮ್ಮ ಕುಂದುಕೊರತೆಯನ್ನು ನೊಂದಾಯಿಸಲು 6 19 A#33Kutumba - Technical Overview High Level System Architecture Touch Points >> Common Service Center Bangalore One / Karnataka One Self Service/Assisted service PRESENTATION LATER >> Registration/Seva Sindhu Department Portal Help Desk Portal Admin Portal Res. Portal APPLICATION >> Reporting Framework Help Desk - System Admin Framework Scheme Discovery Framework AUA KUA Framework UI Database size ~70 GB Technology Stack .Net, HTML, MVC Integration Services >> Service for Department Reporting Engine Entitlement Policy Analyzer Engine ETL/CDC Data Management Services Backup/Restore App ARCHIEVE ROLL BACK Integration Analytics Fngine AUA KUA Services Backend DATA MATCH & LINKNG External Systems Data Layer >> Primary DB Integration and Report DB Staging ETL DB FD TRAN LOGS Policy Sec FD Report STAG ETL Log SDC Infrastructure - Servers, Network, OS, Storage Security-Data Security, Application Security, Server Security Enterprise service Bus 21/03/22 Monitoring - Performance Management, Application Management, SLA Management, Data Management C#, Web Server Data RDBMS 20#34Interoperability capabilities of Kutumba 21/03/22 21#35Dynamic and Responsive Inclusion/Exclusion • Integration with attribute source systems ● Nearly Real time (T+1) update of attributes of residents in Social Registry of Kutumba • Enables departments to periodically verify eligibility of beneficiaries of recurring schemes • Beneficiaries whose family income/land holding has increased beyond the eligibility limit -Ex Pensions • Beneficiaries who meet the exclusion criteria - Ex PDS · Change in Ration Card Status from PHH to NPHH - change in insurance coverage. • Enables departments to remove deceased beneficiaries • Kutumba integrated with Birth and Death Registry • Kutumba broadcasts deceased data to departments Certificate/verification not awaited for stopping recurring benefits - Annual Life 21/03/22 22#36Challenges faced and measured adopted#37Issues Noticed (1/2) ☐ Identity information not available in many critical databases. For e.g. e-Janma - Civil Registry ESCOMS Utilities - Vahan/Sarathi - Road Transport ☐ Inconsistency in demographic information for same person Name address of same beneficiary differs across different databases ☐ Contradiction of data across departments like DOB, Name, Non-authenticated Aadhaar 21/03/22 24 24#38Issues Noticed (2/2) Data Quality Issues Incomplete data - Non availability of data for all records E.g., RCH ID (Reproductive and Child Health ID) is required in Sneha (malnutrition management solution) - Only 25% of the records have RCH ID Invalid Data о E.g., Mobile numbers having 9 digits, starting with 1 to 5 numbers; DoB indicated as 01-01-1900 or dd-mmm-yyy (24 Sep 197) Gender field indicated as 0, Null, other junk values - De-duplication issues – unique records found duplicated E.g., Same # of UID for multiple records Non-standardized data format DoB format differs (dd-mm-yy/mm-yy/ dd-mmm-yyyy) Impact on data sharing 21/03/22 25 25#39Measures Adopted to address/mitigate issues # Issue Identity information 1. not available in many critical databases 2. Inconsistency in demographic Measure adopted 1. Government notifies IT systems to capture and seed Kutumba ID. 2. Kutumba ID captured at the time of birth/death registration. 1. Address in FCS is considered as the address of the citizen. information for same 2. Surveys utilised to validate the address of the citizens. person 3. Contradiction of data across department 1. The source data base for a given data field is identified and the data is taken as the single source of truth. For example Caste and Income data is from the Nadakacheri system of Revenue Department. 2. Confidence level by checking the consistency of data across databases. For eg: Gender consistency across databases. 21/03/22 26#40Measures Adopted to address/mitigate issues # Issue Measure adopted 4. Data Quality Issues 5. Impact on data sharing 1. Data Profiling of each database, along with the concerned department officials, carried out. 2. Anomalies identified reported to dept. along with suggested measures to address the issues. 1. Departments requested to address quality issues. 2. Transitive matching process adopted to link records. (A + + B; B →C and therefore A + → C) A formal "Data Governance" program launched with constituents from various departments that either produces or consumes citizen/resident/family data 21/03/22 27#41Data Governance Structure in Karnataka The Data Governance Structure involves a set of decision-making bodies that are aligned with Technology, Center of eGovernance and various contributing Departments. Key responsibilities of these data governance bodies span all decisions from strategic to tactical to administrative to operational. Family ID Data Governance Model Data Governance Steering Committee Data Governance Executive Committee Data Governance Working Group Chain of command 1. 2. Data Governance Steering Committee is an appellate body to Datal Governance Execution Committee includes Senior leadership who will be responsible for policy and government level decisions and will also address challenges and concerns raised/reported by Data Governance Execution Committee Data Governance Executive Committee is an appellate body to Data Governance Working Group is involved in decisioning around Data usage, Data Ownership, changes to data structures, impact etc. handles Data issues and concerns raised/reported by the Data Governance Working Group 3. Data Governance Working Group is an operational committee comprises of Data Stewards, Data Custodians and other members who engages in analysis, data quality profiling and reporting team, project leaders from various contributing departments, data movement, querying and remediation of data in scope 21/03/22 28#42Data Governance - Council/Committee & Working Group Data Governance Steering Committee a. Chairperson - Additional Chief Secretary to GoK b. Permanent Members - i. ACS/Principle Secretaries/Secretaries 1. DPAR (e-Governance) 2. Department of Food and Civil Supplies 3. Department of Economics and Statistics 4. Directorate of Social Security Pension 5. Department of Agriculture 6. Department of Health 7. Department of Horticulture 8. Department of Revenue 9. Department of RDPR C. CEO - CeG- d. Members by Invitation - Data Governance Executive Committee, a. Chairperson - Secretary, DPAR (e-Gov) Permanent Members b. i. ii. Chief Executive Officer, Centre for e- Governance Authorized representatives from Contributing Departments 1. Department of Food and Civil Supplies 2. Department of Economics and Statistics 3. Directorate of Social Security Pension 4. Department of Agriculture 5. Department of Health 6. Department of Horticulture 7. Department of Revenue 8. Department of RDPR Chief Data Officer, CeG - Member Secretary Member Secretary C. i. Chief Data Officer/Project Director, Family ID [Permanent Invitee] d. i. ii. Advisory Consultants (where applicable) Members by Invitation - Technical Director of concerned project ii. Data Owners from any other department or application iii. Program/Project Leaders as applicable iv. Advisory Consultants (if applicable) Data Governance Working Group a. Chairperson -Head of the Department b. Permanent Members - C. i. ii. Senior Program Manager Senior Technical Manager iii. NIC Technical Team Lead iv. Data Stewards & Data Custodians from Contributing Source Systems Project Director - Member Secretary Members by Invitation - C. i. Any other member who has a role or impact related to the project and can contribute to discussions around quality and content of data ii. Technical Consultants (if applicable) 21/03/22 29#43Data management in Kutumba#44Data management in Kutumba FCS FRUITS HEALTH AJSK Sneha NPR Other DBs 21/03/22 Scheduler SATS Preprocessing - Control Checks DQ and Standardization layer MDM Process Raw Source MNAREGA RGRHCL UDID Audit Tracker Table DQ Rules DQ Repository Data Quality Process to check Completeness, Validity and Deduplication 圄业 Auto match DQ dashboards Pre-processing - Validations Transformed Source Perform Data Integrity checks Rejected File Send back to Source DB with notification to Data Steward(s) @ Rejects Data Stewardship Execute Match Rules Manual match Requires Data Steward Review Merge into Golden Record, Apply Trust and Survivorship rules MDM Staging Golden Record Tables ン Cross-Reference Call Kannada Language Transliteration application Archive (API) </> Kannada Transliteration Application Periodic Archival History Record Console Approves Review Service Integration Framework Match Rejects </> Create, Update, Delete Search APIS -Legend Source Data Base Data File Data Table </> API Interface. API Gateway 31#45Data standards ● Data Dictionary - an data dictionary used by DBMS, automatically updated. • Data Dictionary defined for each contributing and consuming departments. ● • Based on the minimal data requirement policy. • Initial Onboarding process, Meta Data is shared with each department. • Department raises request, placed before Data Governance Working Group for approval. • Post approval for each system, client code created - only specific data shared. Regular review by Security, Audit and Governance Committees ensure standards are maintained and updated on regular basis. 21/03/22 32#46Defining and managing interoperability interfaces Offline - ETL Process Connecting systems share the data in a specified location and process reads the data and processes Online Interfaces - Connecting systems directly integrated with Kutumba ecosystem through API ( Forward Integration and Reverse Integration) API used for requesting and sharing the data Batch Mode - Interfaces Asynchronous request and response method defined for the data exchange using CRON JOB'S 21/03/22 33#47Data exchange protocols ● Data management manual defined Data integrity and confidentiality Encryption, Check digit. Different kind of data integration approaches used • Web Services • Point to Point ESB Broadcast Access control protocol for data exchange through centralised API (Kutumba), decentralised at each department (Department specific data) Each requesting department provided with unique security key and client code for data exchange 21/03/22 34#48Data security and privacy Data Security • Periodic security testing of applications, • Hosting of the database in Militarized Zone in State Data Centre which is ISO 270001 certified Activities monitored under Security Operations Centre and Database Activity Monitoring tool • Adoption of Industry best practices such as HSM, Key Secure Vault for encryption. • APIs enabled with payload encryption and hashed checks Data Privacy • ● • 7 principles of Privacy by Design adopted. principles of purpose specification, data minimization, collection limitation and retention policy Design and architecture aligned to the rights of Data Principal as envisaged in the Personal Data Protection Bill and IT Act 2000. Data anonymization as a concept implemented. 21/03/22 35#49Key milestones achieved due to interoperability#50Key milestones achieved due to interoperability 1. Improved User (Citizen) Experience 1. Improvement in user experience and reduced burden on citizens through simplification of the Government processes 2. . • Kutumba ID input by resident - required information auto fetched from Kutumba in electronic form Nil or lowered document submission Used in citizen facing applications RCH, SATS, Ashraya, eJanma, Seva Sindhu Kutumba enabled on Single Sign On - ensures ease of access to Citizens Aadhaar based Single Sign On Citizen self service portal See their data and edit the same or make request for change Self registration of new families in KUTUMBA and obtain KUTUMBA ID 21/03/22 37#5121/03/22 Enroll your family in Kutumba. Check Application Status My Family Details Head of the Family/Point of Contact Member Name in English UGAN GAM KUTUMBA Member Name in Kannada eKYC Status Gender Mobile Number Member Aadhar Number Member Photo ಶಿರುಗನ್ Y Male 93 **** *** 9246 View RO Adults Member Name in English Member Name in Kannada ODA 5973 eKYC Status Gender Mobile Number Member Aadhar Number Member Photo Y Female 934 **** **** 3614 View Minor Member Name in English Member Name in Kannada eKYC Status Gender Mobile Number Member Aadhar Number Member Photo SHA B 29 Y Female 934 **** **** 9803 View 38#5221/03/22 Enroll your family in Kutumba. Check Application Status My Family Details View Family Members Personal Information Name in English EDIT Name in Kannada EDIT Gender AN RAMALINGAM |ರುಗನ ರಾಮಲೀಂಗಮ Male Spouse Name in Kannada Father Name in English Father Name in Kannada EDIT Spouse Name in English ODA Mother Name in English e pew Mother Name in Kannada Mobile Number * 740 TO AKSHMI Email ID Disability [email protected] No Occupation Farmer Category FARMER B Date of birth EDIT Date of birth document Registration number 17/08/1980 --Select-- Choose file to upload DOB Proof Marital Status * Married Marital document --Select-- Certificate number Choose file to upload marital proof ↑ 39#53Family Details Your Caste * Your Caste Category * RD number given by Revenue dept GOK for your Caste Expiry Date * * EDIT Time ಪವರ್ಗ 1 021091 01/06/2025 Family Agriculture Land Extent Family Income * RD number given by Revenue dept GOK for your Income Expiry Date * * 5.23 11000 I confirm that I have verified and found the above details to be correct. Other Details Your Family ID in Kutmba Family Member ID EDIT 027879 01/06/2025 Farmer ID given to you by GOK under fruits 5861 SATS ID given to you by Education 631 0011238 Disability ID given to you by GOI Department if studying between class 1 to class 12 Your Housing ID given to you by Housing Department Your pension ID given by Revenue Dept Not Available Not Applicable Not Applicable Not Applicable I confirm that I have verified and found the above details to be correct. 21/03/22 40#5421/03/22 Current Address Permanent Address Country State INDIA House Number Land mark NESHWARI T Your address information in Kutumba *** Please fill the missing address information District KARNATAKA BENGALURU Care Of Street ALINGAM 1ST CROSS Village/Town/City Pincode M 21 Yes, My current address and Permanent Address both are same. Taluka Bengaluru East Locality Details of Government Benefits that you have received AM Get Address from Aadhar Department Name Scheme Туре Scheme Name Scheme Beneficiary ID Beneficiary Name Payment Amount Year Paid Department of Animal Husbandry & State MILK INCENTIVES TO MILK 037 GAN 2020-2021 Yes Veterinary Services PRODUCERS AM Department of Animal Husbandry & Veterinary Services State MILK INCENTIVES TO MILK 037 GAN 2021-2022 Yes PRODUCERS AM Submit Close 41#55Key milestones achieved due to interoperability - contd.. 2. Quick delivery of services to citizens 1. Application processing time reduced 2. 21/03/22 • Eligibility and Entitlement status along with verified data - quicker decision by officials • Reduced drudgery of government officials to process applications • • • No manual verification of documents Ineligible applications filtered out - reduction in number of applications to be processed Responsive and Dynamic inclusion into beneficiary schemes made possible Citizens do not have to apply • • Suo-moto identification of beneficiaries for old age pensions. Suo-moto identification of eligible students for scholarships. 42#56Benefits to Citizens Pre-matric Scholarship to students of Minority communities Eligibility Criteria Must be between class 1 to 10 21/03/22 Must belong Must have an annual income of to Minorities less than Rs. 1 lakh per 2 students in a family can avail year Family ID No documents to be submitted Must achieve grade B or above in the previous class 43#57Key milestones achieved due to interoperability - contd.. 3. Increase in coverage 1. Suo-moto scholarships delivered to students on Entitlement basis 0.5 million eligible children of farmers 0.1 million eligible children of construction workers 2. Post Matric scholarships 0.9 million eligible students identified in 2021-22 as against 0.47 million students in 2020-21. 3. Social Security Pensions . 0.67 million likely eligible beneficiaries identified for old age pensions 4. Crop loss payment to 1.05 million farmers (by FRUITS) ● Maize, vegetable, fruits and flower growers 21/03/22 44#58Key milestones achieved due to interoperability - contd.. 4. Identification of ineligible/deceased beneficiaries 1. 0.3 million ineligible PHH Ration card holders • exclusion criteria - IT payees, Government employees, Family Income above Rs.1.20 lakh, Households with > 3 hectares land in rural areas, PT payees . . Connected with IT, GST and PT systems - Yes/No response for IT payee, GSTIN holder, PT payee Using data from AJSK (caste and income data), FRUITS (farmer database) and HRMS 2. 0.14 million Social Security Pensioners - • exclusion criteria – income higher than limit specified, large land holding, more than one pension, under age for Old Age Pensions • Using data from AJSK, FRUITS and demographic data in FCS 3. 0.55 million deceased beneficiaries removed 21/03/22 • 0.45 million deceased members in Ration Cards • 0.10 million deceased Social Security Pensioners 45#5921/03/22 Thank You 46#60Towards an interoperable open-source stack for social protection A virtual workshop with open-source software providers contributing to social protection. 24 March 2022, 12:00-14:30 GMT register: [email protected] OSS providers participating in the workshop: OpenG2P mojaloop OPEN CRVS hope Mifos MOSIP openIMIS Digital Convergence USP2030

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Market Outlook and Operational Insights

Metals and Mining

2023 Investor Presentation image

2023 Investor Presentation

Financial

Leveraging EdTech Across 3 Verticals image

Leveraging EdTech Across 3 Verticals

Technology

Axis 2.0 Digital Banking image

Axis 2.0 Digital Banking

Sustainability & Digital Solutions

Capital One’s acquisition of Discover image

Capital One’s acquisition of Discover

Mergers and Acquisitions