The day I was in SBI at my hometown branch for some bank stuff. A long queue was there for depositing money, withdrawing money and bla bla. I was like a just a part of that queue. But suddenly I looked at a facility Green Channel Counter. So I move ahead from the queue and try to understand it carefully. It was just like operation done at ATM centre with the ATM card. This novel facility would be a game changing move by reducing process time, as duplication in writing/feeding account details and transaction details by the customer as well as the person behind the counter is avoided by simply capturing these details by swiping the SBI Shopping cum ATM Card on a device available at the Single Window Operator's (SWO) counter. At the Green Channel counter, there is a Point of Sale Machine (POS), on which the customer swipes his card. He is then asked by the machine to select the type of transaction, viz. (0) Cash Deposit, (1) Cash Withdrawal and (2) Funds Transfer. Once the customer selects the type of transaction by entering the option, the message ‘Enter the Amount’ is displayed. The customer is asked to confirm the input amount followed by a message “Please Enter the PIN’. When the PIN is entered by the customer, the transaction gets transferred to the terminal of SWO who after entering the denomination of the cash to be paid / received, pays / receives cash and the transaction gets completed. Hush so now I finished with Green channel awareness lecture. he he he .....And finally by using these facility I finished with my bank transaction and I was about to move from that place.
At my behind one uncle was looking what I m doing and how would I finished my work in very less time where as I was in last of queue but got work done early. Uncle was from the rural side. They came towards me and asked me "muli he kay ahe?" (My girl, what is this thing?). I explained them every thing but they only get cleared with theoretically not practically. The also wanted to finish off there work like me and wanted get off early. They again asked me "Majhyakade pan ATM card ahe tu mala madat karshil ka?" (I also having an ATM card can u please help me?). Being an AADARSH NAGARIK (Good citizen) I said them yes sure ! And I asked to swipe the card. They swiped.but they can’t managed. Finally I swiped and it gets done. I ask them to please enter the PIN number. As they had written it to one paper in there pocket. Now in this stage I got something surprised first. How can anybody write the PIN to some paper? But the height was ahead; they had shown me that paper and asked to enter. I told them u can enter. But he was like said its ok I am telling you u just feed it. A queue of 15-20 people including me and bank counter person were hearing that PIN number with the loud voice of that uncle. Now what to do? A person was not aware of that how much a PIN number is important. They finished off with there transaction and we both came out side. I told uncle that uncle PIN number should not be revealed it should be known to only you, nobody else.
Moral of the story was that, some people are there who are not so much bother about the importance of PIN numbers and passwords. As I m the IT person I am aware of that how cyber crimes can be happened but what about these people? Now Security is very important aspect in banking sector. Not in banking it is actually important in all fields but is it really like people like these uncle are well attentive with these things? I think this uncle have got a lesson of security. What about others?
According to me:
Solution:
JAGO NAGRIK JAGO
Or
A step for Biometric Identification System with smart card
Rural poor people frequently lack an "identity" that allows them to access credit. Banks are reluctant to provide services to these potential customers, who are often illiterate and have no credit history. As the person will be there identity no need of carrying any password or PIN. Just swipe any smart card, give your identity that’s it transaction gets done. I know as I am proposing this solution there is having prons as well cons. But every thing has two sides what we can do? Just fine-tune with requirements what else we can do?
