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Articles: Development | Chairman Speak
- Mr. Sekhar BC
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We piloted 300 kiosks across 6 states involving about 4000 users to understand the key requirements and sustainability of the rural kiosk model. Our key learning’s were -
•e-Government alone is insufficient to sustain the rural kiosks
•People in rural areas consider education important. They are willing to pay money to become Computer literate (Internet, MS Excel, Word and Power Point) and to learn English - English and Primary (Being developed in consultation with British Council)
•The e-Government application allows instant access to land records and certificates and things like Grievance Submission, tracking and resolution system are appreciated along with Monitoring of MP & MLA developmental activities.
•Local Agricultural services and clinical information are invaluable resource of information. As a step in this direction we are partnering with ICRISAT.
•Micro credit is extremely critical to get the rural economy going. So we worked with TCS and IIIT Bangalore to develop a Rural Credit Delivery Services (RCDS) application which is being piloted in Karnataka, along with SBI. We are engaging with ICICI to provide banking, insurance and other services through kiosks. ICICI shares our dream of lifting rural India out of poverty through innovative and sustainable business models. Their vision is to sell life insurance at $2 per year which will payout $2200 in case of death and $1000 in case of injury. They are selling insurance against a bad monsoon. They are selling mutual funds where the cost of entry is $2 and the per month payment is perhaps 50 cents. They have a vision where grocery stores & rural kiosks take the place of the branch and collect and disburse cash. The key to enable such ultra small transaction is a technology platform & that is what we are creating together.
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