COWRI NFC

Payments for Rural Economy and Urban Mass Transportation

Covid 19 Challenge for Rural and Low Income Health Care is to Reduce Contact and Increase Digital Payments

Current Alternatives in Payments •Need Smart Phones •Don’t Work Offline •Are too Expensive •Have steep learning curve

Rural Health Payments

•Payments for Health Care is mainly in Cash or through CSR / Govt. Funding. Most People are Simple and have non smart phones and do not understand OTP and Passwords or English.

Rural transport Payments

They travel Mostly by Bus.

Mostly Crowded. And is very cash oriented. The Quality of Internet could be very poor too and the education or digital savviness could be low

Covid 19 Challenge for Rural and Low Income Health Care is

• Reducing contact and

• Increasing Digital Payments

Current Alternatives in Payments

• Need Smart Phones

• Don’t Work Offline

• Are too Expensive

• Have steep learning curve

Urban Transport

Multimodal ticketing so that one ticket can be used across multiple mode of transportation.

Lower Income people could typically use 3 modes of transportation to go from home to work.

CHALLENGE INteroperability

A Single Card that will work on all Metro Trains in India.

NCMC has set standards, but due to different implementation standards in different metro, the passes in one metro train cannot be reused in another.

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