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TRAI's Consultation Paper on 'Review of regulatory framework for the use of USSD for mobile financial services'

TRAI's Consultaion Paper on 'Review of regulatory framework for the use of USSD for mobile financial services'
आरंभ करने की तिथि :
Aug 03, 2016
अंतिम तिथि :
Sep 29, 2016
00:00 AM IST (GMT +5.30 Hrs)
प्रस्तुतियाँ समाप्त हो चुके

The expansion of banking and reach of financial services is considered to be vital for the long-term sustainable development of any country. From the standpoint of equity, it is ...

The expansion of banking and reach of financial services is considered to be vital for the long-term sustainable development of any country. From the standpoint of equity, it is essential that financial services are provided at an affordable cost to those who are presently excluded from the formal financial system. Mobile telephony could be the answer to the problems related to ‘last mile’ service delivery of financial services.

In order to identify and address the various issues for the use of USSD-based Mobile Financial Services, Telecom Regulatory Authority of India (TRAI) has released Consultation Paper on ‘Review of regulatory framework for the use of USSD for mobile financial services’ on 2nd August, 2016 for comments.

The objective of this Consultation Paper (CP) is to examine the need of mobile based financial services in the country from a public perspective, discuss the issues in its proliferation and to explore solutions for the same.

The Authority has extended the time for submission of comments upto 14th September, 2016 and counter comments by 28th September, 2016.

Read: Consultation Paper

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177 सबमिशन दिखा रहा है
Venkatramana Siddheshwar
Venkatramana Siddheshwar 9 साल 5 महीने पहले
Q1, table 2.1 : we need to minimise the number of data entered. It I suggest we try to lock in IFC bank code to IMEI and mobile telephone number, so any action other than with draw can be automated. Q2. It should be monthly with a ceiling of 1 USSD transaction per week. More will be charged at actual. Q3. The actual fixed cost and variable costs need to be taken and total volume of messages be considered. Q5. If more than 3 failed tries are there, then 24 hour blocks. Q6. Yes
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Sandeep Mirakhur
Sandeep Mirakhur 9 साल 5 महीने पहले
Dear Prime Minister sir, Over the last 2 years, I have written several mail as well as visited Shri Ravi Shankar Prasad's residence atleast 5 times. No one from your end seems to be interested. I have to inform you guys as to a fundamental flaw in our system which is making us loose Rs.20,000 crores annually. It is a 5 minute explanation and will take you less than one minute to decide to do what i am saying. Having Mr.Nipender Mishra (Ex-TRAI chairman) in your office will help understand
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Sahasrangshu Choudhury
Sahasrangshu Choudhury 9 साल 5 महीने पहले
Reality of USSD, No mutual authentication between mobile and base station,fake base station attacks ☺,Base station decides when to turn on encryption,Some networks do not use encryption ☺,IMSI sent when requested by base station ☺ Phishing attack set up a fake base station with OpenBSC openBSC have basic USSD support possible to build bank application base station can initiate USSD communication collect user ID, password, MPIN drawback: attack works in 200m range
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Narayan Prasad Jalan
Narayan Prasad Jalan 9 साल 5 महीने पहले
Respected Modiji, Citizen over 70 years old should be given assistance while travelling, specially by Air. Special concession should be given in the fare as well as assistance while checking in, boarding and alighting from aircraft and if possible lounge facilities should also be provided.
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Rejimon C K
Rejimon C K 9 साल 5 महीने पहले
Its good step. USSD or there many services in existing GSM network facility should be made available to public. To make financial transaction and authentication after due linking account, Aadhar, PAN (KYC Norms) to make this kind of facility for all bank account holders will be of great facility. The cashless payment should be encouraged at all levels not just reduce black money but also help govt in cost of printing Rupee Notes, transport and store security etc. Security need a review.
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Sanjay Kimbahune
Sanjay Kimbahune 9 साल 5 महीने पहले
Sir The main issue with USSD browsers is they are all in English hence excludes semiliterate / illiterate massses. 1.Government should make local language support for USSD browser a must for all the phones sold in India 2. Still for very illiterate users - Local voice enabled menus would make wonders. 3. Another very important mandate should be recognition of digital certificates of Indian origin in these and all other browsers. Request to take last suggestion [3] seriously
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Mohit Mehral
Mohit Mehral 9 साल 5 महीने पहले
1. GSM Phone would have pre-equipped of USSD protocol. 2. AAA security layer is part of USSD protocol. Authentication using PUSH based USSD menu driven to subscriber. Authorization can be club with encryption method. 3. Remember service code is easy with pre-loaded menu in SIM toolkit and backend is concatenate USSD String. string e.g (*99*1***#) 4. Cost effective solution for user. 5. Muti-lingual support is one that explicitly targets users in various regions
mygov_14724974826974801.pdf
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Poornima Rai
Poornima Rai 9 साल 6 महीने पहले
USSD reduces subscriber cost for doing a financial transaction as he doesn't have to spend on data. The Telecom sector has used USSD very effectively for giving subscribers a host of services like checking main account balance, buying products like VAS, ratecutter etc and should be explored for financial transactions.
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