The telecom regulator's proposal to make telecom companies bear the cost of banking and telecom services<\/a> based on unstructured supplementary service data (USSD<\/a>) must be revisited. Making the service free for the consumer is appropriate but there is no reason for the cost of providing the service to be borne by telecom operators. Given the multiple benefits that the USSD services provide to society at large and to the government, the state must bear the cost and compensate the telecom companies.

The move to push the cost of USSD-based services on to the telcos is of a piece with the government asking digital payment infrastructure providers to grin and bear the cost of their huge effort to populate every pushcart vending coconuts or fruit, every little corner shop and every parking lot, at least in large towns, with interoperable QR codes for digital payment services, even as the banks, the RBI<\/a> and the government reap the benefits of the spread of digital payments.

Digital payments for small amounts fetch no fees for the payment infrastructure providers. This is unfair and counterproductive. The greater the spread of digital payments, the lower the burden on bank counters for disbursing\/depositing cash; the lower, also, the banks' cost of storing and transporting cash.

The RBI's expenditure on printing currency, and handling cash chests would come down, too. The government gains from better transparency on transactions. These entities should compensate digital payment companies for their costs.

In the case of USSD-based services, the goal should be to phase them out, by replacing feature phones with data-enabled smartphones in everyone's hands. Access to wireless broadband is a great enabler. USSD is best seen as an interim facility.

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观点:火车,GoI应承担USSD成本

对于USSD-based服务,目标应该是阶段,通过与数据功能的智能手机取代功能手机在每个人的手中。访问无线宽带是一个伟大的推动者。USSD最好被视为一个临时设施。

等局

更新于2021年12月14日上午07:30时坚持

电信监管机构的提议让电信公司承担银行和成本电信服务基于非结构化补充服务数据(USSD)必须被重提。使服务免费消费是合适的,但没有理由提供服务的成本由电信运营商承担。USSD的多种福利服务提供给社会和政府,国家必须承担的成本和补偿的电信公司。

此举将USSD-based服务成本的电信公司是一个与政府要求数字支付基础设施提供商的笑容和承担成本的巨大的努力来填充每个手推车自动售货椰子或水果,商店的每一个角落和每一个停车场,至少在大城镇,对电子支付服务互操作的QR码,即使银行印度储备银行和政府的传播效益的数字支付。

数字支付少量取任何费用支付基础设施提供商。这是不公平的,而且会适得其反。更大的数字传播的支付,负担越低银行柜台支付/存放现金;较低,银行的现金存储和运输成本。

印度央行印刷货币支出,和处理现金箱也会下来。政府收益更好的交易的透明度。这些实体应该补偿数字支付公司的成本。

对于USSD-based服务,目标应该是阶段,通过与数据功能的智能手机取代功能手机在每个人的手中。访问无线宽带是一个伟大的推动者。USSD最好被视为一个临时设施。