this post was submitted on 28 Oct 2024
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India: what India does wayyy better than others is digital payments. we have what is called UPI this is a open payments interface made by government (rbi) but their APIs can be used by any bank's and any verified third party apps, and all you need to use UPI is just a bank account that's it, and with this we can send money to any bank account through any other bank account with just phone number or QR code, the reciver and sender don't even have to use same app because the backend is same for all, i just have to search for their number and send money, or i just have to scan QR code and send money, and it happens instantly with no minimum limit, this is so widely used that pretty much any shopkeeper keeps a UPI qr code even the ones in smallest and remote villages. infact i dony think I used single rupee in cash since like last 3 years, i don't carry cash anywhere either, this is integrated with popular apps too like uber online food ordering apps , Netflix and basically any app that needs payment. upi is pretty much only reason why India has the most digital transaction in world even more than China and it's not even close.
also public digital infrastructure, pretty much anything government related is done digitally, like our id cards, driving licence, income certificate, and even high school and degree certificate is digitised, infact even our college credits is digitised, like my college credits will be automatically added so it will be seamless to change college in between my degree, and ofc all this is verified cryptographically with an app, so it's not just one pdf which can be forged or something. and recently a law was passed which made the cryptographically verified digital documents legally same thing as physical one's, so now if you have a phone with the app installed ( government made app that store's and verifies documents) and if you have all your documents in that app you are good to go anywhere. this is more than just concinence of not having to carry physical documents because now we can make bank accounts completely online because verification can be done through their APIs and cryptographically. and yeah it was super useful in covid times because we could do appointment for vaccination online in the app and we could get covid certificate digitally.
I'm curious, how does that work for people from remote villages? India still have a pretty large population who live traditional lifestyles with limited access to the Internet, don't y'all? Do they have the option of more traditional paper documents, or do they have to find a computer somewhere to use for certain things?
even people from less developed places use digital stuff, you don't need computer you only need a phone to use everything, mobile data is super cheap in india (3usd per month for 2gb per day), and smartphones are super cheap too, even people who don't have access to electricity use digital payments. infact this was possible only because of cheap internet and many indians are comfortable with tech somehow. and connectivity is really good pretty much 100% of country get's fast 4g and nearly 80% has 5g
Doesn’t “digital” imply “electricity”?
well that i meant 24/7 electricity
That's really interesting! In the us, I lived extremely rural, without running water or electricity for several years. If we needed to do anything, we had to crank up a generator and use shitty satellite Internet in the beginning. After a while we got a few small/cheap solar panels and a couple car batteries we ran stuff off of.