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Digital Ecosystem in Social Security Pensions for Direct Benefit Transfer


  • National Informatics Centre, Government of India, Bihar State Centre, Patna – 411007, Bihar, India
  • Department of Computer Science, Government Arts College, Udhagamandalam – 643002, The Nilgris, Tamil Nadu, India
  • Nalanda Open University, 3rd Floor, Biscomaun Bhawan, Gandhi Maidan, Patna – 800001, Bihar, India


Objective: Digital ecosystem in social security is an excellent example which can avoid many problems like wastage of public fund, corruption and role of middlemen who restricts the beneficiaries from getting benefits in time. Methods/Statistical Analysis: Ecosystem in Social Security is the framework established between citizens and decisionmakers, by tracking, organizing for participatory policy design or conducting surveys on policy impact strengthen service delivery, database creation and decision support system to the poor across the state and help in bringing about effective and transparent administration and mobile based governance. This contains set of parameters related to direct benefit transfer to deliver e-Services to the social security beneficiaries and to transfer benefits to their bank accounts. Findings: Methodology analysis and adaptively assessment of this framework has been conducted to evaluate the service adaptively of the system and compare the current methodology with other existing methods. This methodology focuses to spread the system all over the government departments which are directly or indirectly concerned with direct benefit transfer. The proposed system supports all these schemes and programs for disbursement of funds to the citizens/ beneficiary on time to their bank account. Stakeholder analysis has been done to identify the possible stakeholders and to examine various characteristics of the stakeholders and their roles and responsibilities, partnership and possibilities. This study analyses the stakeholders responsibilities towards the system and their position toward the system, their adaptively towards the system and their interest in adopting the system. The Electronic Benefit Transfer system will be transformed to accommodate newer technologies and shall be further customized in accordance with feedback. NPCI has introduced advanced payment service such as Interbank Mobile Payment Service (IMPS) which uses mobile devices to transfer fund to other bank accounts in real time. Application/Improvements: To empower citizen to use Aadhaar as identity to access respective Aadhaar enabled bank account and perform basic banking transactions like balance enquiry, Cash deposit, cash withdrawal, remittances that are intra-bank or interbank in nature, through a Business Correspondent.


Direct Fund Transfer, EBT, E-Governance, E-Services, Framework, Mobile Governance, Social Security Scheme.

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