Author: Abraham Paul. P            abraham-paul-2 

 Thiruvananthapuram, Dated 02 January 2017                     

Short link:  http://wp.me/p1ZsI2-Yn

Introduction. Demonetization is Archaic and hardly can meet the objects  when applied without enough preplanning and preparation. Equally it is undemocratic for Governments to levy huge direct and indirect TAXes on rightfully hard earned Money of ordinary Citizens.

No one can stop advancement of Technology and the disruptive paths it create. Trying to tackle it with half baked and piece meal solutions like Demonetizations are of no help. The way to go is to walk, and then walk all the way with the disruptive Technology turning it an ‘Advantage Government’ and ‘Advantage the People’.

Forewarned is forearmed.

Allowing Private Business houses creating parallel Economy without Government control will lead to disastrous consequences.

What hurts Economy most is not Black Money alone but also large portion Real Money being guzzled up and converted into Virtual form by fast mushrooming e-money businesses creating Black hole of parallel economy, draining Banks, hurting liquidity and eventually disrupting Nation’s economy. It is surprising why Governments world over are being blind on this.

Everyone, right from top,  and strangely supposed to be renowned economists, and the Media 24/7 talk relentlessly mix up disparate issues starting with #Demonetization, then about going #Cashless with #Digital Money to Eradicate Corruption & BlackMoney. They all seem to have one God sent solution; advocating and pushing everyone everywhere to forget about Cash and straitaway right from the midnight of #Demonitisation to move over to #CashlessSociety by using Credit/Debit Cards, e-wallets of enormous Private e-Commerce companies, Banks, TELCOs etc., without creating any fuss about their own money in their hand or in their bank accounts.

But then what they all seem to forget is that Debit cards, Mobile wallets etc,. need to be filled and refilled with Real Money into it to get serviced and from where people will get Real Money for that in the first place.

Matter is simple and can be made workable provided the prerequisites have been addressed and taken care of before hand.

a) A new norm had to be in place. It can happen only if the income and earnings of everyone from its usual sources also paid and received and transfected as Money in Virtual form (e-money) that is commonly acceptable to everyone everywhere.

b) Role of Country’s Federal Bank.

The way to do it is by making Government’s Central Banks (Reserve Bank, in India) create all forms of money in virtual form; (and certainly not in disparate forms by different Private e-Commerce Companies) and make available to all who handle money in the country.

End of the day it simply means that RBI being the sole authority to print and issue real money in currency, shall be made the sole authority to create Money in Virtual form also.

c) e-Wallets. Currently e-Wallets are being created by every e-ecommerce businesses without any regulative measures. There shall be a new norm such as only  Reserve Bank of India shall create, discrete open valued e-Wallets that are tamper proof, fail proof, cannot be duplicated / hacked or disrupted in anyway by any one, each of it indidually discrete. Each of these  e-wallets will have parameters that can be individually programmed and  made  available to every one as its Users; ie. every Citizen including Children, every POS’s in every place where any form of Money transactions happen i.e. All Public Banks and Payment Banks, Institutions, Organizations, Vendors and Merchants, Shops etc,. All  Private e-money companies like Alibaba, Amazon, Paytm and Money Exchange firms etc,.  will function as  individual e-wallets issued by RBI and all e-money transactions will have to be done through that.

 These e-wallets each with discrete number and identification code linked with Aadhar (Indian UUID) of every Citizen and Institutions & Organizations will become part of a Real/Virtual bank account of their choice that can be filled with uniform Virtual ‘Money as Data’ from One paisa to any amount and thus each e-wallet in the Banks and every POSs and in the hands of every user  acquires one Lump some value in the hands of its Creator that is the RBI. The Lump some value of the e-wallets get altered as e-money received and spent from it thus making the denominations of Money in it also Virtual.  

Thus RBI will have an e-Wallet of its own, its value in e-Money is the sum total value of e-Money it has created at any point of time, that is the value of entire e-money in e-Wallets RBI has issued and in circulation ensuring the total sum of the Virtual Money plus Real Money in the Country always remains constant.  

The value of e-Money in the Users e-Wallets get modified every time a request for transaction by any User through their Bank or other Media with authentication by RBI. Statics in RBI related to all e-wallets dynamic and get updated with transaction.

It is  thus RBI should be made the sole Creator, Custodian, Operator, Regulator and Controller of Virtual Money in any form in the Country.

How this help the  Country to  realize, Inclusive growth,  #NoCashCurrency Society, Eradication of Corruption/Black Money, Better restraint on Terrorism and also a TAX free Regime.

1. Inclusive growth:

Please see a paper published by me many years back on “Exclusively Banked Universal Money Management using Phones” containing comprehensive and consolidated ideas and proposals to realize Financial Inclusion and Microfinance support to people especially in the lower social-economic strata in the link wp.me/p1ZsI2-4g


 A Comprehensive and consolidated  paper by me describes in detail how Money through Mobile (mTm) envisage wide range of products and service to cater for all sorts of payments in every Points of Sales & Services with any amount of money in digital form any time for anything and everything, any where and everywhere, also for exchange of physical money to e-money and vice versa if required. 

Further, Money through Mobile (mTm) can enable smooth changeover to Cashless Society using UUID for all purposes and to roll out various schemes such as DBT etc., with exclusive Virtual Banks as Payment Gateways,  Universal, simple and easy to use applications, 24/7 service from anywhere any time, any amount and Digital Connectivity in remote areas with GPS via Satellites. that can also help to progressively phase out of  PDS with DBT.  

2. Power and Perils of Money going Virtual.

Please see a paper published by me on “Power and Perils of Money going Virtual” in the link wp.me/p1ZsI2-Ku in which I had explained in detail the urgent need to bring in regulation to prevent fast mushrooming Private e-money management companies  guzzling Real Money draining banks and creating a black hole of parallel economy of #VirtualMoney hurting Banking industry and Liquidity that will eventually disrupt Country’s economy. 

As e-money has to be in Virtual form to realize the said objects, the way out is that the  Banking Industry itself handle it so that liquidity is not lost and Banks are drained of Money. Please see in the following schematic the money cycle both Real and Virtual in a lay man’s perspective, how the Real and Virtual Money Cycle looks like will be with RBI becoming the Creator, Custodian, Operator and Controller of Money in its Real and Virtual forms.    

Money Cycle, Real & Virtual

Please see a presentation on this  in the link: wp.me/p1ZsI2-M6

In order to make it fully Cashless Society and also to regulate and harness huge amount of Virtual money involved, the way out is that RBI shall be the sole Creator, Custodian, Operator, Regulator and Controller of all sorts of ‘Money in Virtual form’ and create open e-Wallets and make it available to all Citizens in India, like Aadhar. 

Reserve bank of India shall generate Money in Virtual form also in addition to printing Currency so that everyone get all sort of income and earning in their e-Wallet in the form of Virtual Money through Banks and thereby the liquidity is maintained.  This will also enable RBI to create even Billions worth of e-money in its e-Wallet and distribute it to e-Wallets of Banks within few hours without the sort of fuss seen now. 

As RBI remain the custodian of e-money, every e-money transaction in the e-wallets everywhere can happen only  with authentication of RBI like in the case of NEFT & RTGS. Hence,  RBI will have full statistics of the e-money movements in Virtual form anywhere and everywhere.    

 3. How can this lead to TAX less REGIME.


This is an idea first of its kind ever by further evolving from idea of Reserve BANK being the sole Creator, Custodian, Operator Regulator and Controller of Money in Real and Virtual form and every money transaction happens with authentication of RBI on a real time basis, it is possible for the Government to charge a levy on the amount  of Money being transacted based on any number of pre-defined parameters.  The parameters include rate of levy that can be varied at the click of a Computer button in the RBI Server. 

As real information of Money Movement happening any where in the Country and its Statistics also will be stored in the RBI Server, Government can use it for various other purposes also. Interestingly it can find International application. The above arrangement of Real and Virtual Money cycle can enable  Governments Universally across the World use their Money as a commodity (an idea first of its kind ever) to generate much needed enough income for its needs by levying a small percent, say hypothetically at 1% on every money transactions,  both Virtual and Real.

For example:- There are above Billion Mobile Phones in India.  Say a modest  amount of Rs.15000 transacted by every phone on an average per month makes it Rs.15 Trillion per month. Money is dynamic and get re-transacted about 20 times a month making it to Rs. 300 Trillion ie. Rs. 3600 Trillion annually.  1% of it is Rs. 36 Trillion which is about twice the total outlay of India’s this FY’s Central budget.

This is just about with the income from Money through Mobile alone, and it will be  hundreds of Trillion with 1% levy on all other forms of Money transactions, such as for Goods & Services, Real Estates etc,. Basically there will be no other form of Taxes, people have to pay, Direct, GST or else, thus making India a Tax free regime. Concepts are important, nuts and bolts can be added by experts aplenty  and also will have many fathers as things started moving.


Interestingly the concept can find relevance in Universal application across the world and that is why I ventured to write on this.

(By the way my paper Money through Mobile mTm I published 15 years back . It is in visualizing its disruptive potential I did not venture to do it then and was after Government & RBI to regulate and harness it turning as advantage Government and People as a whole.   But then many Private e-money Companies went ahead with scant respect for the fundamental issue, its disruptive potential,  exactly why I did not dared to do it. It appears Government has not yet understood it so far, though NPCI had done some work in creating Uniform Payment Interface and RBI allowed Payment Banks. It is surprising to note that of late how Government allow many Private e-money Companies are given Payment Bank Status which defeat the basic purpose.)

The concept find the possibility of its adaption universally across the word, for two reasons, to get out of the disruptive path and to save ordinary Citizen from getting taxed by Governments on their rightfully hard earned income. It can be straight away adapted where the prerequisites as detailed in my paper wp.me/p1ZsI2-XG ideally in countries like  UAE. Jumping into it in with half baked solution piece meal basis  without the prerequisites made ready in a war footing basis will be disastrous if not suicidal.

4. How to  ensure move  fully Cashless transaction?

Naturally a question arise how will Government make everyone use ever payment in Cashless payment route.  This can be realized by Government first of all bring in a rule  that  every place Money transactions happen shall be treated  as Point of Sales / Point of Service and Money transacted in both Physical and Virtual form shall be done only through that. Now if anyone transact Peer to Peer or Peer to Business or B to B   in Physical Money other than through POS to avoid levy on its transaction, the money so transacted has as to ultimately reach a POS for getting converted or for  Goods and Service and will come under levy payment in the hands of the receiver.  

This is ensured as the POS can be made to accept Money only in Virtual form and if money is taken in physical form it will attract levy is of the hand of the receivers when they try spend or try to convert it into virtual money.  

However, there shall be facility to accept Money in physical form and exchange it to Virtual form and vice versa to complete the transaction inviting levy twice. This will work as incentive to stick  to Cashless mode.

4.1. Money in Physical and Virtual form can co-exist for some more time. 

If someone want to use Physical Money at a POS,  it has to be exchanged into Virtual Money first. Facility shall be always available to exchange Physical Money into Virtual Money and vice versa, always inviting levy in each transaction;  thus Virtual Money transactions become cheaper and this incentive help enhance Cashless mode. Even the Black Money hoarded will have to go through a POS some where some time paying levy and get into the statistics of Government.

4.2. The base becomes broader like never before. 

Thus as everyone everywhere pay the levy on money transactions both in its Physical and Virtual form; differentially according to predefined parameters; the poor spend less and pay less; the rich the other way around; the levy-able base is widened to entire population and revenue generated will be too huge to take care the needs of Central and State Governments together with no other Taxes, Direct or else, GST etc,.  As the levy rates are program controlled it can be varied as decided by Government from time to time according various parameters such as user based, location based, status based, special needs based etc. 

4.3. Less dependency on FDI.

Once Governments developing countries are able to generate enough income to cater for all its needs, dependency on FDIs diminishes considerably. 

4.4.  Easy and quick to apply changes in emergent situations.

 Another important aspect is that the income generated can be need based and can be varied as needed from time to time in case of national calamities, poor or failure of monsoon, famine, etc., and revert back at will just with the press of a button.

5. Eradication of Corruption and Black Money and Control on Terrorism activities.

As RBI being the creator and custodian of e-money entire statistics will be available and can be monitored to prevent Corruption and Black money. Same way flow of Money into wrong hands can be prevented the one and the only sure way to restrict terrorist activities in the Country. 

6. Pre-requisites.

India should have its own INTERNET CLOUD and INTERNET EXPLORER Servers. 

6.1. India INTERNET CLOUD and indigenous Servers.

 Last but not the least, in order to get all these done it is critical to have an INDIA INTERNET CLOUD and own Explorer servers sitting within the country are a must lest the entire economy can grind to halt if solely depend on Explorers abroad happened to be hacked or switched off due to any reason beyond our control. It is also advisable to roll out the project less dependant on INTERNET. My paper “Money through Mobile (mTm) envisage realization the project using Phones both Mobile as well as well as Fixed & Public Kiosks. wp.me/p1ZsI2-4g

6.2. Digital connectivity every where. Extending digital connectivity needed for this every where laying  Optical cables will take time. The way to go is to implement these in places where digital connectivity available and remote areas are connected to Central Servers with GPS over Satellite links to provide access Central server from rural Post Offices, Pancyat & Government offices and Franchisees through Kiosks.

Hurrying to jump into #DigitalIndia, #Cashless etc.,  done without the prerequisites such as above  will be like putting the Cart before the Horse. Forewarned is Forearmed.


Please see my blogs on Digital India: Views, opinions, and new proposals on various Technology & Social and Community affairs. http://wp.me/p1ZsI2-J5 


Author: Abraham Paul P. FIE, FIETE.

Free lance Telecom and IT Consultant, Ex Owner FCOMNET India & UAE / Vice President Technical Sales, SPCNL SIEMENS ICN Germany / Director Trg. SC & TS SIEMENS ICN RHQ UAE / G. M & SMT TBG BPL Mobile India / Telecom Engineering Service, (I) DOT India. Tweet @pa_paul



About papaulsblog

Vision & Objective: Telecom has always been the passion of my life. After 55 years of outstanding career and many personal contributions to the industry, I still have same urge, and desire to give back to the industry, the abundant experience, knowledge and potential acquired, by providing consultancy service to forward looking enterprises and entrepreneurs in Legacy and New generation Telecom & IT in the areas of Business Management, Technology, Engineering and Services. Apolitical and religiously unbiased.
This entry was posted in Inclusive Growth, Cashless Society, Tax free regimes, Eradication of Corruption and Black Money, Contol on Terrorism - in one go., Money as a Commodity, Social and Community affairs and tagged . Bookmark the permalink.


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