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3) Has the Aadhaar Payment Bridge System (APBS) turned out to be less of a boon and more of a Bane to the Marginalised and vulnerable sections of the society? Critically analyse.(250 words)

Topic: Government policies and interventions for development in various sectors and issues arising out of their design and implementation.

3) Has the Aadhaar Payment Bridge System (APBS) turned out to be less of a boon and more of a Bane to the Marginalised and vulnerable sections of the society? Critically analyse.(250 words)

The hindu

why this question:

The article analyses in detail the government of India’s flagship scheme of Aadhaar Payment Bridge System (APBS) with special focus on how it affects the

Key demand of the question:

The answer must discuss the salient features of the scheme very briefly and discuss the challenges that the Aadhaar Payment Bridge System is posing against the vulnerable and the marginalized sections of the society.

Directive word:

Critically AnalyseWhen asked to ‘analyse’, we have to look into the topic (content words) in detail, inspect it, investigate it and establish the key facts and issues related to the topic in question. While doing so we should explain why these facts and issues are important and their implications. When ‘critically’ is suffixed or prefixed to a directive, one needs to look at the good and bad of the topic and give a fair judgement.

Structure of the answer

Introduction:

Introduce by highlighting the significance of Aadhaar Payment Bridge System (APBS).

Body:

Answers must discuss the following aspects :

  • Discuss the key features of the Aadhaar Payment Bridge System (APBS) how it works, what are the provisions associated with it? Etc.
  • Discuss how Aadhar implementation creates scope for inflicting damage on the poor and the unprivileged.
  • E.g. When benefits are paid through Aadhaar-enabled means such as the Aadhaar Payments Bridge System (APBS), the first step is to seed the list of beneficiaries with the corresponding Aadhaar numbers; Seeding is a tedious operation and it has to be done each time a new scheme is inducted. Those who have failed to comply are simply removed from the lists. Poor people often find themselves deprived of their rights in the process; Whenever ABBA has been imposed in the PDS, large numbers of poor people have been deprived of their food rations. Meanwhile, evidence from Jharkhand suggests that ABBA is of little use in reducing PDS corruption. Nevertheless, the central government is determined to make ABBA compulsory for food rations, with cosmetic exemptions; Another source of confusion is the APBS’s “last Aadhaar-linked account” (LALA) rule, whereby Aadhaar becomes a financial address and money is automatically sent to a person’s LALA. This rule often sent people’s money to unwanted or unknown destinations, such as someone else’s account or an Airtel wallet etc.

Conclusion –

Conclude by suggesting a way forward, how can the government overcome the challenges.