Just Imagine

Today is India’s 66th Independence Day and the environment around, seems, to be generally shorn of excitement, energy and optimism. However, as is customary on such occasions, a call to the people – all of us – is, well, called for: to galvanise us all to action, to put our shoulders to the wheel of policy making that will make economic activity explode.  Such calls for action and indeed, the action, itself require us all to imagine an India that is radically different from the one that we see and experience each day around us.

Nandan Nilekani wrote “Imagining India” in 2008 and one of the things he imagined has since been actualised in the form of the Aadhar / UID project that provides an Identity card and number to every resident of India. Over 600million people would be recipients of this card by next year, 2014. In and as of itself, this would have been a gargantuan exercise, amongst the very largest in the world. But that by itself wouldn’t be as interesting as what the prevalence of the Aadhar infrastructure can enable.  Identity is a fundamental pre-requisite for any kind of financial transaction and the Aadhar project enables that.  “Know your customer” ( KYC) norms can now be easily done for all kinds of activities eg. From opening a bank account to applying for a gas connection to a phone to availing a loan to purchasing insurance. Hundreds of millions of people who operated in the informal or extra-legal financial services market will now come under the more benign, formal, organised and recognised regime.

Much earlier in the 1980s, Sam Pitroda imagined an India transformed with the creation and establishment of a nationwide telecom infrastructure.  Today, we all are witness to the remarkable benefits that this imagination has brought about. Over 900 million phone subscribers in just over two decades.

Even earlier, in the 1960s Dr Verghese Kurien imagined a young country that would be self-sufficient in milk. Operation Flood made India, formerly a milk deficient country, the world’s largest producer of milk accounting for over 17% of global output with an entire infrastructure, from rural to urban, tradition and technology to markets and branding.

Each of the above examples showcases the huge long term national benefits of creating big platforms – Unique Identity, Telecom, Milk Production and Distribution – through the sheer power of imagination, entrepreneurial energy, policy making, political will and savvy marketing. Platforms are soft and hard infrastructure – policy, rules of engagement and collaboration, co-opting of existing stakeholders, creation and harnessing of technology, innovative processes and business models. Such platforms while usually created and established by the government to serve public good, interest and national security, it is the subsequent entry of private entrepreneurs that enables the proliferation and development of additional technologies and services. For example, the mother of all platforms today, the internet, had its origins in the US Department of Defence Advanced Project Network.

So as we enter our 67th year as a nation, what is it that we can imagine? Indeed, what should we imagine? Very briefly,

i)               Education: In the age of MOOCs and Wikis, why cannot India have a national programme for education using and deploying the latest technologies? Video based learning, local languages with local examples, with the best teachers, with online testing? This will require the creation of a massive technology backbone, co-opting of existing institutions, training, establishment of processes and rules, financial incentives, payment and collection mechanisms for the entry and exit of private entities.

ii)              Healthcare is another area that requires enormous intervention along the lines being discussed. Telemedicine, remote diagnostics, new innovative low cost devices for self testing and medication, education and awareness, mobile clinics, logistics for moving patients and equipment, innovative payment systems, policy, regulation and oversight are areas that have to come together.

iii)            A marketplace for logistics providers – air, land and sea – across the value chain, integrated with warehouses, C&F agents, insurance providers, payments and settlements, processes for transparent pricing. Can be very useful for agriculture and industry.

There obviously are many more possibilities (viz. defence and space) and initiatives that can be imagined that will help all of us Indians and India. Can we set the ball rolling and start the process of engagement with various stakeholders – government, industry bodies, entrepreneurs and others – to help create platforms that can create a new India? Can we create and curate ideas for platforms that have the immense potential to fundamentally transform India.  Just Imagine.

Aadhaar and the 7 principles of Product Management

Sanjay Jain, Entrepreneur in Residence, Khosla Labs spoke at the IPMA 2nd annual event. The Unique Identification Authority of India (UIDAI) is an agency responsible for implementing the AADHAAR scheme, a unique identification project. It was established in February 2009, with an aim to provide a unique identification number to all Indians, by eliminating duplicate and fake identities. Biometrics features are selected to be the primary mechanism for ensuring uniqueness.

The primary reason for the UID project was to establish the bona fide identity of a person. Lack of an identity proof often excludes people from many facilities and formal systems in society such as opening a bank account or access to public distribution system (PDS).  In most cases the rural poor find it difficult to even produce birth records to prove their identity even to claim their (legitimate) privileges.

Sanjay Jain who spoke at the IPMA second annual event which was held on the 8th of December, was the chief product manager for this project.  He spoke about 7 principles of Product Management and mapped it to Aadhaar, the ambitious Government Project.

Below is an excerpt from the presentation where Sanjay Jain took the 7 Principles of Product Management elucidated by Deep Nishar (at the NASSCOM Product Conclave earlier this year) and looked at Aadhaar through that lens:

The 7 Principles of Product bliss:

  1. Know thy User
  2. Simplicity is a feature
  3. Embrace Constraints
  4. Data is your guide
  5. Innovation is not instant
  6. Adapt
  7. Manifest Destiny

Know thy user: Aadhaar has a process called ‘Know Your Resident’ which is about proving the identity of a resident of India. So it has information like their name, finger print, gender, date of birth, where they live, who is their parents etc. which helps knowing the resident intimately through the data collected.

Simplicity is a Feature:  What could be simpler than one person – one Aadhaar Id. The principle that Biometrics doesn’t change even with time and they are unique to a person is the basis for issuing Aadhaar.
The biometric of a person – impression of all the 10 fingers and the iris scan are the authentication or the proof of identity. There is no need for an

Aadhaar card, the 12 digit identification number and the biometric of the person are the authentication.
Embrace Constraints: There were many constraints; public funds were used so the accountability was to public as the policies and principles were sacrosanct. So a bunch of architectural principles were defined to guide the project and they were not to be violated. Some of them are:

  • To use open source technologies where ever prudent
  • The decision not to lock-in any vendor
  • Performance matrices are made public
  • Strong end-to-end security was ensured

A committee was put in place to take decisions. First data definition standards and biometric data standards were created and a broad concurrence from across the government was obtained to implement the same.

Data is your Guide: A public portal was created which gives complete visibility and transparency to anybody at any time, satisfying RTI norms.  A person who has applied for Aadhaar can check status on the UIDAI website by entering his/her 14 digit enrollment id.

The UIDAI being a part of the Central government agency works with the partners whom the state government outsources the work to; they are 3 levels away from central body, so everybody in the chain gets complete visibility to all information. So the processes are standard and details of contracts are available on the partner portal. The operators had to go through rigorous training and certification before they were activated.
Innovation is not instant: Innovation takes time. Central identity repository (CIDR) is the repository where all the identity data pertaining to Biometric subsystem, Demographic data, Business analytics, Infrastructure management, Application servers etc. resides.

The attempt is to build the world’s largest biometric database, India’s current population is 1.21 billion and the UID scheme aims to cover all the residents. No country has attempted an identification and verification system on this massive scale.

The method adopted is ‘the best fingerprint technology’, the resident provides all 10 fingerprints, 2 best finger prints are taken and the success rate is 95%.

Adapt: Competition brought in a drop in prices; for example when the project started the price of the fingerprint scanners, like the ones used in the US immigration, was 5000 USD; it came down to INR 25,000.

Manifest Destiny:
To take up a project of this magnitude needed conviction – One needs to believe one can do it, believe in success and work backwards.

Contributed by Mangal D Karnad, Tally Solutions