tag:blogger.com,1999:blog-19649274.post4405114525014004261..comments2024-03-27T17:16:12.789+05:30Comments on The Leap Blog: A dramatic cost reduction for KYC using the e-KYC API of UIDAIAjay Shahhttp://www.blogger.com/profile/03835842741008200034noreply@blogger.comBlogger16125tag:blogger.com,1999:blog-19649274.post-68786990082424268082016-11-08T10:30:48.044+05:302016-11-08T10:30:48.044+05:30How will a complete digital account opening handle...How will a complete digital account opening handle signature capturing which is also important for cheque issuance and clearance. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-427964793240988372016-11-08T10:29:11.630+05:302016-11-08T10:29:11.630+05:30Hi,with eKYC how is the signature capturing proces...Hi,with eKYC how is the signature capturing process handled in paperless account opening, since signature capture is also important for cheque issuance and clearanceAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-28343985875424035002014-09-15T19:03:59.586+05:302014-09-15T19:03:59.586+05:30Then it should say "Error-free retrieval of d...Then it should say "Error-free retrieval of data", not, "error-free data". Secondly, if the argument is that error-free retrieval is possible due to the use of biometrics as the query, then its not accurate as biometrics are not error-free (as commented previously). Third, we aren't even talking about hacking of the database, etc as yet. Fourth, cost was irrelevant to the point so the full sentence is irrelevant. In any case the cost is to be looked at in entirety. All trivial cost savings will go out of the window when one large scam or one large terrorist breach occurs. <br /><br />By the way, I hope the ID cards shown in the video are not genuine cards. I don't think one should be giving out ID details like that.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-1514677679988613932014-09-15T14:36:30.616+05:302014-09-15T14:36:30.616+05:30When I read the full sentence in question, I under...When I read the full sentence in question, I understood it to be something different. There may be errors in data collection at front end, yes, but the collected data is then repeated into different systems in an error free way, i.e. "Error-free data is obtained from the Aadhaar database, at a much lower cost when compared with the costs of typing in and removing the errors in human-created data." I understood this to mean that instead of a human being typing in data manually and making human errors, the data is transferred electronically (as I observed in the video) making it error free from the source. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-54296335615926847482014-09-15T11:41:05.453+05:302014-09-15T11:41:05.453+05:30We should remove all arrest warrants immediately. ...We should remove all arrest warrants immediately. No one should be arrested from this moment on: <br />http://www.thehindu.com/2004/02/24/stories/2004022402011200.htmShubho Royhttps://www.blogger.com/profile/04193498880891547450noreply@blogger.comtag:blogger.com,1999:blog-19649274.post-22835090652805591382014-09-15T08:15:11.430+05:302014-09-15T08:15:11.430+05:30The argument is that biometrics solves the de-dup ...The argument is that biometrics solves the de-dup problem which plagues other UIDs like PAN. Instead of finding out how SSN processes solve the de-dup problem, we have gone with something that doesn't work and increases costs and increases security and privacy risks. Yet another regulation that is only meant to make you feel warm, but not actually achieve anything. Its like urinating in your pants, it may make you feel warm but it does nothing for you. That's biometrics and Aadhar for you. Actually, that is the entire regulation framework in India for you. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-11700206163643203432014-09-14T23:43:49.089+05:302014-09-14T23:43:49.089+05:30This blog post is by Suyash Rai, Smriti Sharma and...This blog post is by Suyash Rai, Smriti Sharma and Sanhita Sapatnekar. It is not by me.<br /><br />(I agree with them, but that's a different matter).<br />Ajay Shahhttps://www.blogger.com/profile/03835842741008200034noreply@blogger.comtag:blogger.com,1999:blog-19649274.post-31320636033507749322014-09-14T23:26:24.104+05:302014-09-14T23:26:24.104+05:30The beauty of a continued use of a unique identifi...The beauty of a continued use of a unique identification number is that it will create its own intelligence and character over time, making the need for biometrics redundant. The current state of technology related to datawarehousing and analytics makes possible to do away with biometrics with tolerable losses in efficiency and accuracy. In fact this is how the credit bureaus in the US can catch identity fraud with out utilizing any biometrics. The Aadhaar's parallel in the US, the SSN, collects no biometrics but is universally used to most public and private sector transactions.Sridharnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-44843667792538711322014-09-14T23:16:02.861+05:302014-09-14T23:16:02.861+05:30^^ One Hanuman, must have given his biometrics as ...^^ One Hanuman, must have given his biometrics as part of the fake name application and he is no alien. It is only a matter of time this person will be known to law enforcement. If anything it only goes to tell how hard it is to beat the technology and not otherwise. And this is precisely what the left academicians are worried - that the use of technology, time stamps, and data integration will give little recourse for those that would like to deploy privacy mantra and the right against self-incrimination. This, they do with such filthy luxury and insensitivity even as the lack of- and misuse of- identity is bleeding the country's public finances and robbing the poor's share of endowments at such alarming levels.Sridharnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-47946930036812058172014-09-14T22:51:21.517+05:302014-09-14T22:51:21.517+05:30I don't see how a "Hanuman" photo on...I don't see how a "Hanuman" photo on an Aadhaar card implies the de-duplication has been duped. In fact, the biometric information and corresponding Aadhaar number linked to that (and only that) photo belong to a very real person somewhere in India, who now faces a big issue due to the de-duplication process.<br /><br />This unique individual cannot re-enrol as his/her fingerprints and iris scan are already in the database. As far as I can tell, to be able to utilise Aadhaar-enabled services they have precisely two choices. First, to carry on with paper based KYC to prove their identity (i.e. this person is essentially excluded from using the e-KYC system). Second, to update their photo to the real one and use e-KYC services. The fact remains that this unique Aadhaar number, and the corresponding biometrics, belong to a very real person who now cannot acquire a<br />new Aadhaar identity. The photo might be inaccurate but the identity will never be duplicated. <br /><br />Only one person will ever have this Aadhaar number, and this Aadhaar number is the ONLY one that will be assigned to these biometrics. The only thing this individual can do now is update the current photo assigned to the Aadhaar number in order to amend the mistake (intentional on their part, or otherwise) made during enrolment. <br /><br />If anything, this incident proves how well the de-duplication can work. I could try and dupe other identity providers, and get a fake drivers license, PAN card, Voters ID card, etc. They all require<br />the exact same level of KYC for granting entrance into the system. The difference here is that succeeding in acquiring a "Hanuman" drivers license (and who knows, there may be hundreds out there) will not stop me from then also getting a real and accurate drivers license. In the case of Aadhaar however, this is not possible BECAUSE of the de-duplication process. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-71380689429102543782014-09-14T18:25:47.310+05:302014-09-14T18:25:47.310+05:30"Error-free data is obtained from the Aadhaar..."Error-free data is obtained from the Aadhaar database"<br /><br />Good joke there.<br /><br />People have demonstrated that they can get duplicate IDs, IDs for fictitious people. Furthermore: <br /><br />"The International Biometric Group (IBG) testing also shows that performance can vary drastically within technologies-some fingerprint solutions, for example, had next to no errors during testing, while others rejected nearly 1/3rd of enrolled users. "Most interestingly, the testing shows that over time, many biometric systems are prone to incorrectly rejecting a substantial percentage of users. Verifying a user immediately after enrolment is not highly challenging to biometric systems. However, after six weeks, testing shows that some systems' error rates increase ten-fold," said the research, consulting and integration firm, which works closely with the biometric industry. The report is titled "Real-World Performance Testing"."<br /><br />Error-free my foot. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-85325179151776261702014-09-14T18:15:39.129+05:302014-09-14T18:15:39.129+05:30Oh there are very easy commonsense ways to establi...Oh there are very easy commonsense ways to establish citizenship. How are passports given out? What is KYC all about if one cannot even find out if someone is a legal citizen or not. Instead of solving the problem. it is unbelievably shameless of a technology initiative to throw its hand up in the air and say we aren't going to do it. No need for Aadhar too then, and no need for pretence of using technology where its not needed but not using it where it is needed. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-90465430483366180552014-09-14T18:10:08.693+05:302014-09-14T18:10:08.693+05:30Not really. It is a national identity proof. And, ...Not really. It is a national identity proof. And, establishing citizenship should be a pre-requisite to giving out national identities. And, if it is not a national identity proof then its of no use and is a serious security threat (not matter what definition you use). Nothing should be tied to Aadhar unless we can remove illegal immigrants from the database. That much is commonsense. UIDAI cannot shift the responsibility away from itself. Shame on them.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-45825657195575868292014-09-14T15:31:37.214+05:302014-09-14T15:31:37.214+05:30Aadhar is an identity proof. Not a nationality pro...Aadhar is an identity proof. Not a nationality proof. There is no method to establish citizenship in India.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-3852257063096801642014-09-14T13:06:05.841+05:302014-09-14T13:06:05.841+05:30Ajay Shah should declare if there is potentially a...Ajay Shah should declare if there is potentially any conflict of interest with his advocacy of aadhar (UID) and his role as an academic and think tanker. For all the rosy picture peddled on this blog, UID is problematic at so many levels. UID is not primarily meant for due diligence. It is one of its "supposed applications" as those who habitually market technology, with little appreciation or patience for complexities of governance in a democratic polity, would suggest. <br /><br />Such "applications" are fraught with implications for privacy of citizens which are easier to gloss over during powerpoint presentations in AC rooms full of self-important people, than in courtrooms and media. Such advocacy posts do no justice to Mr. Shah's erudition and indeed raise questions about his moral center, in the context of news that the much touted technology of UID is so unreliable as to allow Hanuman, a God (and technically an alien) to enter himself into the UID database. One may argue duping the deduplication process is child's play for someone who can enter Ravan's lanka with ease, and we should infact also extend OASIS benefits to him in deference to his age, but that is really beside the point. <br /><br />Many years have passed since UID was launched. The actors have faded, but some in the bureaucracy and people who have pulled their weight behind that project continue to bat for it, despite no proof that any of its many pilot projects have addressed the many concerns about the project. The few studies which showed UID in good light were authored by Ajay Shah & some US scholars. They fail to address concerns of many in the academia, bureaucracy as well as the people who experience administrative burden on a daily basis due to hasty rollout. This project has already hastened the fading of a political dynastic party. The only question left is if it will do the same for a rightwing party sharing the same inability to protect public interest from dysfunctional bureaucratic rationality.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-19649274.post-45586291019104045332014-09-14T07:25:28.253+05:302014-09-14T07:25:28.253+05:30Until and unless Aadhar weeds out illegal immigran...Until and unless Aadhar weeds out illegal immigrants urgently, it is nonsense and should not be encouraged. Proof is in the pudding. Show me that that the Aadhar process can weed out illegal immigrants. If it can't do that, it can't be trusted for anything.Anonymousnoreply@blogger.com