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Answer:
Approach:
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Introduction:
The Aadhaar Payment Bridge System (APBS), a digital initiative by the National Payments Corporation of India (NPCI), integrates Aadhaar numbers as a central component in the disbursement of government benefits and subsidies. Conceptualized to enhance the efficiency and transparency of direct benefit transfers, APBS represents a significant step towards financial inclusion. However, its implementation has raised concerns about its impact on marginalized and vulnerable groups in society.
Body:
Concept and Implementation Challenges:
Impact on Marginalized Groups:
Issues of Exclusion and Human Rights:
Lack of Accountability and Transparency:
Conclusion:
While the Aadhaar Payment Bridge System was introduced with the objective of streamlining the distribution of benefits and promoting financial inclusion, its implementation has revealed critical gaps that disproportionately impact marginalized and vulnerable groups. The challenges of haphazard account seeding, eKYC compliance, and diverted payments highlight the need for a more inclusive and sensitive approach. Addressing these issues requires not only technological improvements but also a comprehensive understanding of the diverse needs and limitations of the affected populations. It is imperative to ensure that initiatives like APBS are not just technologically sound but also empathetic and responsive to the realities of those they are meant to serve.
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