-JAM-------
What?
J-Jan Dhan
A-Aadhaar
M-mobile
Need?
J-Financial inclusion
A-identity
M-Accessibility and information
Benefit
1.Govt welfare service directly to needy---inclusion and exclusion error decreases
2.Saving of government money--as infrastructure for providing various welfare service decreases, inclusion error decreases
3.Corruption reduction-as benefit directly to target person account
4.Socio-Economic development---as welfare scheme reach to the needy and thus help in peoples development
5.Poverty reduction-as people get benefit from government
Issue
1.Financial inclusion still a.major issue as near about 50% people still dont have access to bank within 5 km range
2.Financial and technology literacy---is not much to adopt the benefit of tech
Steps taken
1.Jan Dhan Yojana
2.Rupay Card
3.Aadhaar act passed
4.Spectrum sale
5.payment bank license
6.digital india program
7.national optical fibre program to provide internet to all 2.5 lakhs panchyat
8.encouraging competition between mobile operator so that benefit of such competition reach to common people
----JAM for specific scheme would be discuss later on------
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