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<\/span><\/figcaption><\/figure>Kolkata: The telecom regulator on Wednesday proposed reducing tariffs for USSD-based mobile banking and payment services to zero from 50 paise, in a bid to protect the interest of feature phone users and boost digital financial inclusion.

“The Authority proposes to revise the framework for USSD-based mobile banking and payment services by prescribing a “nil” charge per session as rationalisation is a necessity to protect interests of target user groups and promote digital financial inclusion,” the Telecom Regulatory Authority of India<\/a> (Trai<\/a>) said in its draft Telecommunication Tariff<\/a> (66th Amendment) order, notified Wednesday.

It, though, said it “may review the charge after two years, based on experience gained”. The regulator has set a December 8 deadline for stakeholder comments on the new draft regulation.

The USSD<\/a> (Unstructured Supplementary Service Data) is a service that uses a short code for making transactions or inquiries. Since it does not need a data connection, the service is used by a large majority of people, primarily feature phone users, and is therefore also used as a medium for no-frills banking transactions.

Trai<\/a> attributed its call for rationalisation to the fact that the present tariff of 50 paise per USSD session is several times higher than the average tariff for a one minute outgoing voice call (Re 0.04 per minute), or an outgoing SMS (Re 0.01 per text message).

The relatively high charge for a USSD (session), it said, is “acting as an impediment” in increasing the number of transactions, despite significant improvement in success rates.

The regulator added that “a consumer is also being charged for both successful as well as failed transactions,” which puts extra financial burden, given the potential popularity of USSD amongst rural, under-privileged and low-income groups.

In its draft order, Trai said the Department of Financial Services<\/a> (DFS<\/a>) had requested it to “waive USSD charges to facilitate faster adoption of these services” by common people -- especially in rural\/difficult areas –- the population segment for whom the Pradhan Mantri Jan Dhan Yojana (PMJDY<\/a>) accounts scheme was established to drive financial inclusion.

In this context, the sector regulator said the Reserve Bank of India (RBI) had also constituted a high-level committee on deepening of digital payments (CDDP<\/a>). And a key recommendation of the panel is that “charges for USSD usage be further rationalised and the technology be made feature-rich” to increase adoption and popularity.

In fact, the USSD service is used by many feature phone users to check balance in their bank accounts, do peer-to-peer money transfers, cash withdrawals and deposits from banking correspondents in small towns and rural areas. With rising mobile penetration in rural India, the mobile phone is seen as a powerful tool to promote digital financial inclusion.

Back in November 2016, the sector regulator had cut the per session rate for USSD-based mobile banking transactions to 50 paise from Rs 1.50 previously.
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火车提出削减USSD手机银行收费为零

火车由于其要求合理化这一事实的关税每USSD 50 paise会话数倍的平均关税一分钟即将离任的语音电话每分钟0.04(重新),或一个外向SMS (0.01 Re /短信)。

  • 2021年11月24日更新是05:34点
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加尔各答:电信监管机构周三提议减少关税USSD-based移动银行和支付服务从50 paise为零,为了保护功能手机用户的利益和促进数字金融包容。

“权威提出修改的框架USSD-based移动银行和支付服务通过处方“零”收取每会话合理化是必要的,以保护目标用户群体的利益,促进数字金融包容性,”印度电信管理部门(火车)在其草案表示电信的关税周三(66修改)订单,通知。

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,不过,说它“可能检查收费两年后,基于经验”。监管机构已经12月8日最后期限利益相关者评价新法规草案。

的USSD(非结构化补充服务数据)是一种服务,它使用一个简短的代码使事务或查询。因为它不需要数据连接,服务是被大多数人使用,主要功能手机用户,因此也为经济型银行交易作为交换媒介来使用。

火车由于其要求合理化这一事实的关税每USSD 50 paise会话数倍的平均关税一分钟即将离任的语音电话每分钟0.04(重新),或一个外向SMS (0.01 Re /短信)。

USSD的收费相对较高(会话),它说,“作为一个障碍”在增加交易的数量,尽管成功率显著提高。

监管机构说,“消费者也被指控为成功以及失败的事务,”这让额外的财政负担,鉴于USSD的潜在的受欢迎程度在农村,贫穷和低收入群体。

在其起草订单,火车的说金融服务部门(DFS)已要求“免收USSD促进更快采用这些服务”的老百姓,尤其是在农村/困难的地区,人口细分为谁Pradhan Mantri Jan Dhan Yojana (PMJDY)账户计划成立金融包容。

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在这种背景下,银行业监管机构表示,印度储备银行(RBI)也构成了一个高级别委员会深化数字支付(CDDP)。面板的一个关键的建议是,“收费USSD进一步合理化使用和技术功能丰富”增加收养和受欢迎程度。

事实上,许多功能手机用户使用的USSD服务检查平衡他们的银行账户,做点对点转账,现金存取款银行记者在小城镇和农村地区。与上升的手机普及率在印度农村,手机被视为一个强大的工具来促进数字金融包容。

早在2016年11月,行业监管机构减少了每个会话率USSD-based手机银行交易50 paise Rs 1.50之前。
  • 发布于2021年11月24日下午05:34坚持

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\"\"
<\/span><\/figcaption><\/figure>Kolkata: The telecom regulator on Wednesday proposed reducing tariffs for USSD-based mobile banking and payment services to zero from 50 paise, in a bid to protect the interest of feature phone users and boost digital financial inclusion.

“The Authority proposes to revise the framework for USSD-based mobile banking and payment services by prescribing a “nil” charge per session as rationalisation is a necessity to protect interests of target user groups and promote digital financial inclusion,” the Telecom Regulatory Authority of India<\/a> (Trai<\/a>) said in its draft Telecommunication Tariff<\/a> (66th Amendment) order, notified Wednesday.

It, though, said it “may review the charge after two years, based on experience gained”. The regulator has set a December 8 deadline for stakeholder comments on the new draft regulation.

The USSD<\/a> (Unstructured Supplementary Service Data) is a service that uses a short code for making transactions or inquiries. Since it does not need a data connection, the service is used by a large majority of people, primarily feature phone users, and is therefore also used as a medium for no-frills banking transactions.

Trai<\/a> attributed its call for rationalisation to the fact that the present tariff of 50 paise per USSD session is several times higher than the average tariff for a one minute outgoing voice call (Re 0.04 per minute), or an outgoing SMS (Re 0.01 per text message).

The relatively high charge for a USSD (session), it said, is “acting as an impediment” in increasing the number of transactions, despite significant improvement in success rates.

The regulator added that “a consumer is also being charged for both successful as well as failed transactions,” which puts extra financial burden, given the potential popularity of USSD amongst rural, under-privileged and low-income groups.

In its draft order, Trai said the Department of Financial Services<\/a> (DFS<\/a>) had requested it to “waive USSD charges to facilitate faster adoption of these services” by common people -- especially in rural\/difficult areas –- the population segment for whom the Pradhan Mantri Jan Dhan Yojana (PMJDY<\/a>) accounts scheme was established to drive financial inclusion.

In this context, the sector regulator said the Reserve Bank of India (RBI) had also constituted a high-level committee on deepening of digital payments (CDDP<\/a>). And a key recommendation of the panel is that “charges for USSD usage be further rationalised and the technology be made feature-rich” to increase adoption and popularity.

In fact, the USSD service is used by many feature phone users to check balance in their bank accounts, do peer-to-peer money transfers, cash withdrawals and deposits from banking correspondents in small towns and rural areas. With rising mobile penetration in rural India, the mobile phone is seen as a powerful tool to promote digital financial inclusion.

Back in November 2016, the sector regulator had cut the per session rate for USSD-based mobile banking transactions to 50 paise from Rs 1.50 previously.
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