I dont have any soft spots for @NandanNilekani, but this needs demystifying for people to see larger picture and not get personal, potshot happy and forget, but its important to understand what ROHINI is, what the healthcare agenda is, so Thread.
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by @vinodjose view original on Twitter
IIB is registered society, promoted by insurance industry as an agency to provide sector level cooperation. Regulators : Industry bodies :: RBI-TRAI-IRDA : IBA / NPCI-COAI-IIB. These industry organizations exist to shape larger policy around industry to safeguard themselves
IIB was formed in *2009* and ROHINI is health insurance market analyzing product which the insurance industry needs. That they have effectively lobbied regulator IRDA to make it mandatory is another thing, all these before *Modi care*
ROHINI is simply put "Aadhaar for Hospitals" upon which grading / scoring can be done, so Insurance companies can bargain best / classify hospitals. This will help health insurance industry to optimize its costs.
ROHIINI was launched in 2015, yes the footer in the site will tell you that. But if its all industry initiative, where is the Nandan connection coming from? Yes - Data is new oil, DataRich and Centralization and his belief in markets will fix all problems.
Nandan propogates a theory called NIU (National Information Utilities) in his book, entities which will hold sector level data, at high granularity, which will help sector participants to deliver better.
Instead of improving public healthcare, which would mean state investing directly, which would mean more taxes for corporates, what if healthcare market can successfully replace need for public health.
. @India_Stack is full suite of digital tools for displacing role of PSUs in banking, insurance masquerading through the guise of technology. Health stack will do the same to health. @eksteporg etc will do for education. Role of state will decrease hugely.
. @India_Stack has already been successfully disrupting welfare schemes like PDS, Pensions. Welfare state is enemy of market. This is where the failure of #Aadhaar is actually a success for is proponents. My theory is Nandan is just a big cog in the wheel of larger forces of WB.
Is India ready for fully marketized finance, health, education? Is all of India ready for that? I really dont know. But the trick in all this is, Nandan never faces any consequences. It was Congress in 2014, may be BJP in 2019 which may need to lose election.
Nandan is selling India, bit by bit, hiding behind technology. Is it good / bad, depends on what your economical philosophy is. I wont even disagree there. But dictatorial approach in it is harmful
Rohini must be ashamed that Nandan calls trolling incident with Bravo, calls members of civil society raising concerns as "orchestrated campaign". Modi isnt the only dictator in country. It might be in media's interest. But Nandan too is one.
Why Am I concerned with all this. Because technology is being used in this process and anything that makes people feel technology is dystopian impacts me directly. Tech is not problem, dont lose faith in tech after seeing Aadhaar, BHIM failures.
The only way is solving this together. Even if it means having conversations with people who you have contempt / people who have contempt with you. Its going to take years. Its in our hands to prevent dystopian future. Or atleast that is the hope.
Economic reform (1991) meant that governance of certain areas was no longer in the hands of netas, but shifted to babus / regulators.
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by @logic view original on Twitter
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Digital reform (2009) means moving that from regulators will leave way to tech utopian dreamers. Did we just hear Policy Markup Language from #BullyStack? As more and more functions get market driven, its important to build checks and balances
Show me active consumer forums, anti trust agencies, competition commissions with capacity (No, one Google order isnt sufficient), constitutional auditors. Markets have no / little history of punishing the crooks, not that political governments have done them hard.
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Repeat after me: #FASTag is an asset monitoring technology for the lenders (highway traffic measurement for infrastructure assets & vehicle control -- toll block / geo-fence -- for vehicle loans) masquerading as toll collection technology providing convenience.
Repeat after me: #BBPS is an investment lead generation technology for the lenders (consumption data of utilities for infrastructure for equity investments & family consumption/scoring for household finance) masquerading as bill collection technology providing convenience.
Repeat after me: #GSTN is a trade surveillance technology masquerading as simplified(!!) tax collection technology.
First up some fact checking on email, tweets. Then some commentary about BBPS, then the larger idea of NPCI being the behemoth, what it means to industry, @CashlessConsumr and the whole data game.
// Because there’s just no telling when it will decide to become a competitor. //
They are in for it to super control the market, not compete. Even on BHIM in UPI, technically, NPCI is operator, the banks are the players market wise.
A thread on #UPI PSPs who come in all shapes and sizes, Some history from 2016, some thoughts on bank led model, API gatekeeping, unbundling of #UPI, hierarchy of players, business impact.
#UPI hit the market with ~18 banks going live in July 2016. All of them released an app, had their own PSP backends, were issuers. A week later @PhonePe_ became the first non-bank PSP with an YesBank partnership operating its own PSP backend.
Days later few more apps built by startups hit. All of them with YesBank partnership, using Yesbank PSP backend. SBI and HDFC were largely holdouts to UPI, did not have choice but to launch post #DeMo
Now that the lawyers have run their marathon and we wait for the top court to rule, a small personal diary note thread on #Aadhaar & me.
Huge thanks to community of people who have widened my wisdom of how society works. Fellow helpless people helping each other.
It started sometime in 2011, when I knew nothing, enrolled along with family.But our enrollment packets were lost, EID wasnt even searchable. I did write some emails to support, but yielded nothing more than, please enroll again. As the need wasn't real, did not enroll.
Parents gave up at a later date, enrolled, got UID successfully generated. I resisted, mostly because of laziness, but did not have developed trust enough to enroll. On random browsing sessions, have heard Usha Ramanathan on YouTube, but never took deep dive into issues.
Thread on Billgates connection to #Aadhaar. Does he know enough to comment (of course he knows a lot more, deep intentions, interests). Now that he himself has repeated the fact that, his "charity",WB are interested in it, like to fund the initiatives, lets look at larger picture
Read "Digital Poverty Stack". I will summarize these posts
Note that @India_Stack and Level One Project are parallel initiatives in India and Africa respectively? Why only these two geographies? Why not elsewhere?
Besides the usual guinea pig theory, the other common thing is, these are geographies where "Development finance"
Classic example of disasters in not differentiating aadhaar authentication, eKYC, eSign, eMandate. Everything needs only one OTP and no knows what transaction happens in backend. @India_Stack will be happy because all they care is volumes not user interest. #Consent#Fraud
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A simple way of fixing this mess, is to not allow signatures by just sharing OTP, but involve some bit of user action and adding friction to make sure signatures can't be made with just OTP. User can send a SMS from registered mobile with SIGN <OTP_SENT_TO_ENTITY> to get SIGNOTP
What this would mean is, while signing is still happening through the same set of APIs, it codifies user action, which reduces frauds like these. eSign still has more issues, but this is rudimentary.