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NEW DELHI: Google<\/a> wants to help you save more and invest better.\n
\nThe US-headquartered technology company with a large India presence is planning to develop a website, Bharat Saves, which will offer information on financial planning.
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\nGoogle wants to align its Bharat Saves website to the government’s financial inclusion scheme, Jan Dhan Yojana, which has since its 2014 launch seen 24 crore new bank accounts being opened and attracted deposits ofRs 41,000 crore.
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A senior finance ministry<\/a> official, speaking off record, told ET that Google is in talks with the government and that the company’s proposal is being “examined”.
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\nHe said the digital platform “may provide a range of financial literacy tools and information on financial products”.
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\nA Google spokesperson told ET: “In line with the Prime Minister's vision to create greater financial inclusion-….various BFSI organisations and industry associations are coming together to launch a digital platform”.
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\nThe spokesperson also said a financial literacy awareness campaign may be part of the plan. Bharat Saves will be an app and website, both of which are being designed by Google.
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\nIn the first leg, users have to log into either of the platforms and complete financial literacy modules.
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\nThey will need to take a financial literacy test, the certifications for which will be given by the Indian government, Google and an industry organisation.
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\nTarget Consumers for Google’s Offering<\/strong>
\nThese will open up a second section of the app\/website, where users will be able to see, compare and purchase banking and insurance products. Eventually, more financial product categories will be added and the platform will be linked to PM’s Jan Dhan Yojana.
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\nThe target consumers for this platform will be homemakers, small business owners, the newly employed, retired persons and farmers.
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\nApple<\/a> pay<\/strong>
\nGoogle’s proposal to the government comes at a time another American technology behemoth, Apple, has held talks with the government on making Apple Pay, a mobile payment and digital wallet service, a part of financial inclusion programmes.
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Prime Minister Narendra Modi<\/a> has met several technology company CEOs and deeper participation in the government’s Digital India programme has been on the agenda in these meetings.
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\n“There were some discussions on these issues when the PM met CEOs of top tech giants at the Digital India forum in San Jose, California during his visit to the US,” an official familiar with the issue said.
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India’s savings rate has fallen recently – IMF<\/a> data shows a fall from 36 per cent of GDP to 31 per cent GDP between 2007-08 and now. Household savings have also fallen, with other data showing households save less than a quarter of their disposable income, down from over 30 per cent around four years back.
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\nWhile stagnant income in real terms\/high inflation for many social classes has been identified as a recent factor for drop in the savings rate, economists have long argued that lack of access to modern financial instruments is also a structural contributory factor.\n\n<\/body>","next_sibling":[{"msid":54024249,"title":"Xiaomi gears up to double local phone production","entity_type":"ARTICLE","link":"\/news\/xiaomi-gears-up-to-double-local-phone-production\/54024249","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":54024308,"entity_type":"ARTICLE","title":"Google plans to develop website 'Bharat Saves'; to offer information on financial planning","synopsis":"Google wants to align its Bharat Saves website to financial inclusion scheme, Jan Dhan Yojana, which has since its 2014 launch seen 24 crore new bank accounts","titleseo":"telecomnews\/google-plans-to-develop-website-bharat-saves-to-offer-information-on-financial-planning","status":"ACTIVE","authors":[{"author_name":"Dheeraj Tiwari","author_link":"\/author\/81092\/dheeraj-tiwari","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/81092.cms?width=100&height=100&hostid=268","author_additional":{"thumbsize":false,"msid":81092,"author_name":"Dheeraj Tiwari","author_seo_name":"dheeraj-tiwari","designation":"Editor","agency":false}},{"author_name":"Gulveen Aulakh","author_link":"\/author\/19656\/gulveen-aulakh","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/19656.cms?width=100&height=100&hostid=268","author_additional":{"thumbsize":true,"msid":19656,"author_name":"Gulveen Aulakh","author_seo_name":"gulveen-aulakh","designation":"Assistant Editor","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2016-09-06 08:26:47","lastupd":"2016-09-06 08:28:57","breadcrumbTags":["Google","Narendra Modi","Internet","Apple","IMF","Finance Ministry"],"secinfo":{"seolocation":"telecomnews\/google-plans-to-develop-website-bharat-saves-to-offer-information-on-financial-planning"}}" data-authors="[" dheeraj tiwari","gulveen aulakh"]" data-category-name="" data-category_id="" data-date="2016-09-06" data-index="article_1">
新德里消息:谷歌想帮你节省更多和更好的投资。该科技公司与大型印度存在正计划开发一个网站,巴拉特扑救,这将对金融规划提供信息。
谷歌想要对齐巴拉特保存网站政府金融包容的计划,1月Dhan由旬,自2014年推出以来见过24卢比的新开银行账户,用来吸引存款41000卢比。
一位高级财政部官员记录,对外星人说,谷歌正与政府和公司的提议是“检查”。
他说,数字平台”可以提供一系列的金融知识的工具和金融产品的信息”。
谷歌发言人告诉ET:“按照总理的愿景创建更大的金融包容——…。各种BFSI组织和行业协会在一起推出数字平台”。
发言人还说,一个金融知识宣传运动可能是计划的一部分。巴拉特救了将应用程序和网站,这两个正在由谷歌设计的。
在第一回合中,用户必须登录的平台和完整的金融知识模块。
他们将需要金融知识测试,认证,将由印度政府,谷歌和一个行业组织。
目标消费者对谷歌的提供
这将打开一个应用程序/网站的第二部分,用户将能够看到的地方,比较和购买银行和保险产品。最终,添加更多的金融产品,平台将与下午Jan Dhan由旬。
这个平台的目标消费者将家庭主妇,小企业主,新工作,退休人员和农民。
苹果支付
谷歌的提议政府之际,另一个美国科技巨头,苹果,与政府举行了会谈让苹果支付、移动支付和电子钱包服务,金融包容性课程的一部分。
总理莫迪会见了一些科技公司的ceo和深入参与政府的数字印度计划一直在这些会议的议程。
“有一些讨论这些问题点时遇到了顶尖的科技巨头的首席执行官们在圣何塞的数字印度论坛,加州在美国访问期间,”一位知情官员说。
最近印度的储蓄率下降国际货币基金组织数据显示从GDP的36%降至31%的GDP在2007 - 08年和现在之间。家庭储蓄也下降,与其他数据显示家庭储蓄低于可支配收入的四分之一,四年前从超过30%。
而实际收入停滞不前/高通胀对许多社会阶层已被确认为最近的一个因素在储蓄率下降,经济学家一直认为,缺乏现代金融工具也是一个结构性因素。
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