New Delhi: The Reserve Bank of India (RBI) earlier this month recommended an interoperable cardless withdrawal option through Unified Payment Interface (UPI) across ATM networks in an effort to tackle financial frauds.
The National Payments Corporation of India (NPCI), controlled by the Reserve Bank of India, has developed the Unified Payments Interface (UPI). UPI is based on IMPS infrastructure and allows you to send money between any two bank accounts in real time.
State Bank of India (SBI), ICICI Bank, Kotak Mahindra Bank, Bank of Baroda (BOB) and RBL Bank already offer cardless withdrawals, but only for their customers who use the same bank’s ATM network. Huh. RBI proposes to provide service at all ATMs to all bank customers.
In a statement dated April 3, Governor Shaktikanta Das said, “Apart from improving the simplicity of transactions, eliminating the need for a physical card for such transactions will help prevent frauds such as card skimming, card cloning etc. “
UPI cardless withdrawal
A cardless transaction is sending money from a bank account to anyone with a valid mobile phone number in India, who then withdraws cash from an ATM without using a debit or ATM card. It can be used at any bank’s ATM as well as third-party and white-label ATMs.
Although RBI is yet to issue rules on cardless withdrawal through UPI network to NPCI and banks, there are some options in the market that can be used to launch the service.
AGS Transact, an ATM vendor, is testing a UPI-based candle withdrawal system that allows customers to scan a QR code on an ATM screen using their bank smartphone. In another model, which SBI is now using for its YONO app, the customer signs in to the bank app and enters the amount to be withdrawn; The app then generates a transaction number and a six-digit PIN to withdraw the money.
debit card future
In a press conference on April 8, the RBI clarified that it will continue to provide credit and debit cards, as well as several other services. They can be used for more than just cash withdrawals; They can also be used to make payments in a foreign country. As a result, credit and debit cards will continue to be accepted, he said. Hence, debit cards are here to stay.
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