If Mobile number, Aadhar and Bank accounts are linked One Time Password (OTP) may be implemented for ATM Transactions also. This may reduce malpractices on ATM Transactions. This may also be implimented by banks itself.

Link Account number with mobile number. Instead of entering account number, sender will enter recipient mobile number.. User can easily remember and can enter with out error..
For Mass adoption of USSD, make paying of electricity bills through USSD mandatory. People will come to know what USSD is

USSD with regional language messaging would be best option, provided that we have to take care of visually challenged and people with poor vision. For them there should be an option for IVR. At the same time to retrieve previous transaction details we can still depend upon sms messaging. So this will basically mean that a mix of appropriate technologies based on individual and technology limitations.

In our INDIA education system is not good.please remove cast system to education.soo many students suffering to cast and we are loosing "Talented students" .soo please see this issues.

BSNL SERVICES SHOULD BE IMPROVE WITH ITS VOLUME CAPACITY SINCE CHARGES TAKEN FROM PRIVATE SERVICES ARE NOT REALISTIC MANY TIMES EVEN IF WE HAVE NOT ACTIVATED VAD SERVICES THEY CHARGES IN THE BILL AND WHEN ASKED THEY WAIVED OFF ALSO THUS UNRELIABLE.GOV CAN NOT DO THIS.

Government should form strict rules and regulations to improve internet speed. I think minimum speed should be 2mbps. Even though telecom companies are charging more money but they have failed to provide a good internet speed .Slow internet speed hindering nation's development.

The biggest hurdle is insecurity about using mobiles for financial transaction due to lack of education. In the starting small value transactions with limited access to details of bank etc may be tried. Say whenever I am making a transaction the security level depending upon amount can be decided. For high value it may after verification call from bank can be seen as option for time being. Once people become used to the system will run perfectly. Network will not be problem.

We need offline money transaction options also, because in India network availability and quality is limited. So if our mobile phone can perform offline transactions(with security) with other mobile phone, that will be a good thing, for security and may be can use low cost additional equipment

We need offline money transaction options also

The main aim to increase the flow of money. But the operators, service portals (paytm etc.) card providers (VISA)etc. and banks charge amounts for this service. Ultimately consumer pays money. This is all business. People are attracted and pay for these services. The rates & service charges may be reduced and a closed monitoring is required.