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Sameer Kochhar, R Chandrashekhar, K C Chakrabarty, Deepak B Phatak, eds., Financial Inclusion, Academic Foundation, New Delhi, 2009, pp.196 About the Book:
This
compilation is the result of action research and field visits across
India spread over last 10-years. These were conducted by Skoch
Consultancy Services with recently added support from Skoch Development
Foundation. The compilation focuses on various facets of financial
inclusion ranging from opening up of no-frills accounts to micro-credit
to financial literacy, while emphasising the role of process changes,
technology enablement, capacity building and outreach. It looks at
examples of local bodies, post offices and tele-centres having been
used effectively. It also proposes a model of inclusive development.
The book provides a holistic view based on practitioners’ perspective
and grassroots learning. About the Editors:
Sameer Kochhar, Chief Editor & CEO, Skoch Consultancy Services, a New Delhi based consultancy firm, is an industry veteran with a multifaceted career spanning over two and a half decades. He has been working passionately towards promoting participatory democracy, empowerment and bringing improvement in delivery systems. He is considered to be one of the most respected independent voices on inclusive development and citizenship issues in India. He is member of several expert groups and committees including the Expert Group constituted by the Ministry of Panchayati Raj advocating a case for computerization of Panchayati Raj Institutions across the country.
R Chandrashekhar is Special Secretary in the Department of Information Technology, Ministry of Communications and Information Technology, Government of India, where he is principally responsible for drawing up national policy, strategy and action plan for e-Governance and for co-ordination of national plans and programmes for e-Governance. As head of the Andhra Pradesh Industrial Infrastructure Corporation, he led the trans-formation of this public sector undertaking into a key instrumentality of the state government in structuring public-private partnerships in the infrastructure sector.
K C Chakrabarty is Chairman and Managing Director, Punjab National Bank (PNB). Earlier he was Chairman and Managing Director, Indian Bank where he spearheaded the National Pilot Project on Financial Inclusion at Puducherry. His expertise includes corporate strategic planning, asset-liability management system, electronic payment systems and risk management system. PNB, under his stewardship has launched as many as 20 financial inclusion projects.
Deepak B Phatak, PhD, is Subrao M. Nilekani Chair Professor at the Kanwal Rekhi School of Information Technology at Indian Institute of Technology-Bombay, Mumbai, India. He is an eminent consultant and advisor to many organisations on issues related to Information Technology including State Bank of India, Unit Trust of India, Life Insurance Corporation, New India Assurance, L&T, Times of India and son on. He is on the boards of IDBI Bank, UTIISL, NIBM, IDRBT, Bank of Baroda and New India Assurance.
Contents:
Introduction
Financial Inclusion: Need for a Full Spectrum Implementation
— Sameer Kochhar and Gursharan Dhanjal
Section I
Financial Inclusion
1. Urban Local Bodies and Financial Inclusion
— M Ramachandran
2. Is Technology Inclusive?
— C B Bhave
3. Micro-Insurance: The Way Ahead
— T S Vijayan
4. Economics and Inclusion
— Haseeb A Drabu
5. The Tineri Experience
— K C Chakrabarty
Section II
Inclusive Insurance
6. Building a Cost-effective Distribution Channel
— M Ramadoss
7. Matching Insurance to Needs Awareness
— Bimalendu Chakrabarti
8. Providing Health Insurance
— Pranav Prashad
Section III
Scaling Inclusion
9. The Challenge is Sustaining the Network
— R Chandrashekhar
10. Speeding e-Governance: Connecting Central and State Government Initiatives through Trust and Leadership
— Shankar Aggarwal
11. Combining Access with Assurance
— K Narasa Reddy
12. Reaching the Unbanked
— M S Sundara Rajan
13. The Challenge of Up-Scaling
— Anurag Gupta
14. The Reach of Mobile Connectivity
— Pramod Saxena
Section IV
Financial and Government Applications: Interoperability is the Key
15. For Smooth Interoperability
— Karan Bajwa
16. Branchless Banking to Reach Government Interventions
— B. Sambamurthy
17. Interoperability is Key to Inclusion
— J M Garg
18. Towards the Last Mile
— D B Phatak
19. Computerisation of Land Records in India
— Naresh Chandra Saxena
Section V
Technology Standards for Financial Inclusion and e-Security
20. Creating the Right Convergence between e-Governance and Financial Sector Gateway
— Rajesh Narang
21. Using Digital Signatures in Financial Services
— N Vijayaditya
22. Proactive Security and Intelligent Incident Response
— P J Nath
23. Secure Banking: The Road Ahead
— H Krishnamurthy
24. Towards a Common Communication Infrastructure
— Kumar N. Sivarajan
Section VI
Enhancing Revenues
25. Using Better CRM
— P P Mallya
26. Creating Mindshare
— Samik Roy
27. Moving to the Core
— Alok Bhardwaj
28. Adding Value to the Customer
— D Tarafdar
Annexures | Reviews: "..Financial Inclusion is a collection of a few such success
stories across the country edited by Sameer Kochhar along with R.
Chandrashekhar, K.C. Chakrabarty and Deepak B. Phatak. It not only
gives samples of success of the National Rural Employment Guarantee
Scheme (NREGS), Jawaharlal Nehru National Urban Renewal Mission
(JNNURM) and National e-Governance Programme (NeGP), but also
highlights the major drawbacks.."
Business World, 1st June 2009
"...it’s a book worth reading if you’re interested in this business. While each individual success story makes your heart beat just that much faster, what’s important, the book brings out, is that financial inclusion has to go beyond the lip service of one account for every household..." Business Standard, 17th April 2009
"...good collection from the editors, Sameer Kochhar, R Chandrashekhar, K C Chakrabarty and Deepak B Phatak..." Hindu Business Line, 5th March 2009.
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