(a) the status of digitisation in the Banking sector;
(b) whether the Government has taken steps to ensure cent per cent digital transaction in banking sector, if so, the details thereof;
(c) whether consumers are not so enthusiastic to avail these facilities on account of charges levied by banks on such transaction; and
(d) if so, the steps taken by the Government to promote consumer friendly banking services in the country?
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(a) Scheduled Commercial Banks (SCBs) have adopted Core Banking Solution (CBS) platform and this facility is being used by SCBs and their customers. All new bank branches are required to be opened in CBS platform only. This has enabled customers to go to any bank branch and get the desired services. ATMs, mircro-ATMs and Point of Sale (PoS) terminals are also enabled with inter-operability across banks.
(b) to (d) Reserve Bank of India (RBI) is operating and managing centralized payment systems such as Real Time Gross Settlement (RTGS), National Electronic fund Transfer System (NEFT) and National Electronic Clearing Service (NECS). RBI has also authorized National Payment Corporation of India (NPCI) to operate Immediate Payment System (IMPS), National Automated Clearing House (NACH), Aadhaar Enabled Payment System (AEPS), Aadhaar Payments Bridge System (APBS), Unified Payment Interface (UPI) and RuPay Debit Card.
As apprised by RBI, total number of online transactions including RTGS, Electronic Clearing Service (ECS), NEFT, IMPS, NACH, UPI (including Bharat Interface for Money (BHIM) and Unstructured Supplementary Service Data (USSD)), Prepaid Payment Instruments (PPIs), Credit Cards at PoS and online, Debit Cards at PoS and online, since 2016-17 is as follows: