Inclusive Growth, Cashless & Tax-free Society, Corruption & Black Money eradication, Terrorism Control – in one go.

Inclusive Growth, Cashless & Tax-free Society, Corruption & Black Money eradication, Terrorism Control, in one go.

Author: Abraham Paul. P   Dated 02 December 2016               …

Source: Inclusive Growth, Cashless & Tax-free Society, Corruption & Black Money eradication, Terrorism Control – in one go.

Posted in IT based services, Mobile through Mobile (mTm), Money as a Commodity, Politics & Governance, Social and Community affairs | Leave a comment

Inclusive Growth, Cashless & Tax-free Society, Corruption & Black Money eradication, Terrorism Control – in one go.

Inclusive Growth, Cashless Society & Tax-free Regime, Eradication of Corruption & Black Money,  Control on Terrorism  – in one go.

   Author: Abraham Paul. P            abraham-paul-2 

 Thiruvananthapuram, Dated 02 December 2016                     

Short link:

Introduction. Demonetization is Archaic and what hurts Economy most is not Black Money but large portion Money being guzzled up and converted into its virtual form by fast mushrooming e-money businesses creating parallel economy of a black hole of Virtual Economy draining Banks hurting liquidity and eventually disrupting Nation’s economy. 

For sure, no one can stop advancement of Technology and the disruptive paths it create. However, there has to be a way to tackle it and half baked solutions like Demonetisatin are of no help. The way to go is to walk, and walk the full way with disruptive technology  coverting it an advantage. Forewarned is forearmed.

Everyone, right from top,  and strangely supposed to be renowned economists, and the Media 24/7 talk relentlessly mixing up disparate issues viz., #Demonetization, #BlackMoney and lately to forget Cash by moving over to #CashlessSociety by everyone using Credit/Debit Cards, e-wallets of Private e-Commerce companies, Mobile Wallets etc., without creating fuss about Cash, be it theirs 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 Money into it in the first place to get service, and from where people will get Money for that.  

Simple, it can happen only if the income and earnings of everyone also paid and received as Money in Virtual form (e-money) through their usual sources.  

Now, in order to make it happen who should   create Money in Virtual form? Government’s Central Banks (Reserve Bank, in India) certainly not any Private e-Commerce Compnies. End of the day it simply means that in addition to printing and releasing currency notes, RBI shall also create Money in Virtual form and also     create discrete open valued e-Wallets, tamper proof, fail proof, cannot be duplicated, hacked or disrupted in anyway by any one; each of it with parameters that can be programmed and altered individually and made available to every one as its Users; ie. every Citizen, every POS’s in every place where any form of Money transactions happen ie. Banks, Credit Card Companies, Money Exchangers, Institutions, Organizations, Vendors and Merchants, Shops and more importantly all Private & Public e-money managing Companies like Amazon, Alibaba, PayTm etc,.  

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

  1. Thus RBI will have an e-Wallet, its value in e-Money is the sum total value of e-Money at any point of time is the value of entire  e-Wallets RBI has issued and in circulation. Thus the total sum of the Virtual Money plus Real Money in the Country always remains constant.  It is  thus RBI is made the sole Creator, Custodian, Operator and Controller of Virtual Mon
  2.  ey in any form in the Country. 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. 

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


 The above paper 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 money in digital form for everything, anywhere and everywhere, exchange of physical money to e-money and vice versa. 

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. 

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 in which I had explained in detail the urgent need to bring in regulation to prevent fast mushrooming Private e-money management companies guzzling liquid Money draining banks and create parallel economy of #VirtualMoney that will eventually disrupt Country’s economy. 

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

Money Cycle, Real & Virtual

As can be seen in my paper, to move over to Cashless society by using Debit cards, Mobile wallets etc., as of now people need Physical Money in hand or in Bank account in the first place to charge and recharge Debit cards, Mobile wallets etc,. 

A presentation on this is in the link:

In order to make it fully Cashless and also to regulate and harness huge amount of Virtual money involved, the way out is that RBI shall be the sole Creator, Custodian, Controller and Operator 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 instead of 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 to make India Tax free regime. 

With adoption of the above arrangement of Real and Virtual Money cycle,  Governments Universally across the World can use 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, nut and bolts can be added by experts.

4. The efforts involved to move over to fully Cashless Society?

Naturally a question arise how will Government make everyone use ever payment in Cashless payment route.  This can be realized by Government make it a rule ring that in 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, it has to ultimate reach a POS for getting 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.

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, except those exempted, pay the levy on every money transactions both in its Physical and Virtual form; the, one who spend less pay less; the rich the other way around; the 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,.  For common man it will be less what currently shell out in Direct/indirect Taxes.

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.  in emergent

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.

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.

Hurrying to get these done without the perquisites such as above and others will be like putting the Cart before the Horse.

Please see my blogs on Digital India: Views, opinions, and new proposals on various Technology & Social and Community affairs. 


Author: Abraham Paul P.

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


Posted in Inclusive Growth, Cashless Society, Tax free regimes, Eradication of Corruption and Black Money, Contol on Terrorism - in one go., IT based services, Mobile through Mobile (mTm), Personal messages and other | Leave a comment

POI disputes in Indian Telecom

abraham-paul_photoHow to resolve POI disputes in Indian Telecom.

Short link:

Abraham Paul P.    Dated 28 September, 2016.

Of late, there have been bitter disputes between incumbent Mobile Telecom Providers in India versus a new entrant. As someone in the field for over 60 years doing Planning & Implementation of right from Magneto to most modern Digital systems I would like to mention few points for the kind notice of Government, Regulators, Telecom Service Providers, its federation heads, Internet Service Providers, the Inter-country Cable & Satellite operators and the  Media.

Please see link below for this article in full with explanatory diagrams:

Microsoft’s or spoil disputers_r_-1

  1. In a saturated topography with presence of far too many Telecom Service Providers in India,  demand for new Telephone connections (both Fixed & Mobile) as of now is far  less than ready to supply; except perhaps in green fields predominantly in some rural and many remote areas.
  2. According to fundamentals of Telephony, in a topography setup as mentioned above, the volume of Telephone connections as well as the volume and pattern of Telephone Call Traffic (originating & terminating) continues to remain more or less same with one or many new entrants come into operation even if they are able to poach considerably large volume of subscribers from incumbents; with advanced features, products, attractive plans and cut throat Tariff-ing.
  3. However, when subscribers of an existing operator moves to a new operator in a service area the intra exchange traffic become less and roamoing traffic increases to that extent needing more interconnects to the roaming hub. Therefore, exinsting operators are compelled to add more junction interface equipment and junction circuits to the Roaming hub.
  4. The question arise is who will expand the Roaming hub with additional junction equipment and the switching path and share cost of additional circuits making the inter connectivity issue significant, as to who owns the Roaming hub, may be a consortium of operators. It does fit into apprprate business cas as exinsting have incurr cost fot added connectivity while suffer loss of revenure due to lessened  volume of subcribers. Government /TRAI need to look up at these issues as who will bell the cat. Surprisingly neither the DOT, the TRAI, nor the warring TELCOS / COAI, the Technical experts and the ever vociferant Media guys thought it relevant though obviously enough things cannot go on like this, anymore.

5. Previously DOT owned the Transit & G/W systems. The question is who will bring in these in the PLMN space?

Three options are:

1. DOT to get it done by BSNL corporation. It can be a good business diversification to earn additional revenue from interconnect charges.

The interconnect interfaces and through connects shall be IP based to provide all types of junction circuits Voice, Data and Multimedia of contemporary and future networks.

2. A Consortium of TSPs to set it up.

3. Give fresh license to existing or new service provider exclusively for this purpose.

4. Last but not the least is the technology part.

Please see my compilation on a layman idea about “POTs to 4G and beyond” in the link

The type and technology of the Systems, Network and mode of Transport unlike the VOICE call Transit & G/W systems are much different and ever changing in wireless Telephone arena and that too need a combination of all till the entire Telephony comprising PSTN and PSPDN become IP based. We are at the threshold of VoLTE enabled LTE solutions for handle Voice and all sorts of Data and Multimedia communication needs.

However, these can happen practically in the field only with commensurate eco system and improvement of knowledge level of common mass that constitute a greater part of the consumers as of today. Even so, a workable version of Transit exchanges and Gateways capable of handling all these shall be in place. One way is to resolve this is to have Interface equipment at POI in every Local exchange shall be capable converting and switching all modes of call element into a common protocol of PSPDN and switch it through Transit and Gateways.  Due to above reasons, every local system shall only be connected to nearby Transit Systems by default, not with other Local exchanges even within the City or Service area.

  1. Revenue generation by the transit & Gateway system operators. There are billing arrangement in the Transit and Gateway systems and transit calls of different modes are appropriately measured, billed and charged and apportioned according to usage by various TSPs/ ISPs etc.  As mentioned earlier, due to technical and commercial reasons and to avoid duplicate charging at different transit points every local system shall only be connected to nearby Transit Systems by default, not with other Local exchanges even within the City or Service area.
  2. Responsibility to provide enough Interface equipment within the system and at the POIs in the Roaming Gateways according to traffic rest with the Gateway system provider. It shall be also their responsibility to upgrade their changes happening in the Technology including possible transit methods using Cloud Computing.

Whatever be the reasons and arguments for and against delays and disparities in decision makings about Service area, License, Spectrum, Interconnectivity and Technology, there is an urgent need to look at the basic fundamentals of Telephony. It is only surmising how about one billion consumers a Wireless Telephony business India could go on without ensuring appropriate and adequate topography.

It is astounding to watch big arguments about “Free basics”, “OTT Players” “Net Neutrality” All such questions arise as the stakeholders involved do not care to look in the basic fundamentals of Telephony Viz: Does Private industries like Google etc., foraying into Telephony business as OTT and else come under the definitions of   “Public Switched Telephone Network (PSTN)” that include PLMN and PSPDN?

It leads to a most relevant question whether World Wide Web (www) that interconnects millions of private servers (that are like Private Branch Exchanges) that do not adhere any norms and rules of full time availability and traffic parameters come under the foray of PSTN.

May be I am the only person in the World ask this question, but unless it is given serious consideration, the legacy Telecom Industry will end up in a grinding halt. I know it meaningless to point fingers at things that are in vogue unless I have better ideas and ways to resolve it. My view is that the above described problems creped in disrupting the rightful area of PSTN, inadvertently or else, can be resolved by adopting CLOUD computing technology segregating and safeguarding “INTERNET’ services in PSTN from the World Wide Web.  The future will be CLOUDS and CLOUD computing and with that it is possible to segregate PSTN which includes PSPDN and INTERNET that inter connect it regionally as well as across the world can be protected from the World Wide Web access to it will be according rules and regulation of PSTN.  Please see the picture below explaining the idea contained in my proposal of segregating and protecting INTERNET for PSTN from World Wide Web.


Author: Abraham Paul. P. Owner  FCOMNET.  Ex V.P Technical Sales, SPCNL / Director TRG, TS & SC SIEMENS ICN / G.M & SMT Telecom Business Group, BPL Mobile India / TES (I) DOT India.

Please see my other blogs on related topics:

  1. Impact of transition from Voice to Data & Multimedia

2. Make Telecom Systems, network, Phones, product and services for the common man.

3. Digital India: Views, opinions, and new proposals on various Technology & Social and Community affairs.

4. Telecom Industrialists need caution on broad band network ideas that do not fit in the future.

5. Net Neutrality without hurting Telcos and End users.

6. Exclusively banked Universal Money management using phones.


Posted in IT based services, Telecom Networking, Telecom Technology | Leave a comment

abraham-paul-2Consolidated list of some of

P. Abraham Paul’s Articles.

Consolidated list of some of P. Abraham Paul’s Articles on Information Communication Technology and Social & Community affairs.   Dated 26 July 2016

Short link:

Press Control key and click on caption below to  open the PDF document of the list and articles.

Articles and Blogs published by P. A Paul FIE, FIETE.

The views and opinions in the articles are strictly personal and not intended to offend any Individual, Organization, Institutions Community or Religion. I do not disagree with anyone who disagree my views and opinions.

P. Abraham Paul (P.A Paul).

Ex: Owner Future Communication Network (FCOMNET) UAE & India / Vice President Technical Sales,  SPCNL  SIEMENS ICN / Director TRG, SC & TS SIEMENS ICN RHQ Dubai / General Manager & SMT TBG, BPL Mobile, India / TES (I) DOT India.



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Why call drops in Mobile Telecom Service.


Why excessive Call drops in GSM Mobile Telecom Service.

Author. P Abraham Paul.                                                        10 May 2016.

Hon. Supreme Court had reversed Government’s order binding Telcos to compensate Customers for Calls drops, a good decision favoring Telcos though not for the Users.

However, it is not sure whether both Government and Telcos have analyzed the reasons and its pros and cons of increasing incidences of Call drops such as the few given below.

  1. Unmanageably higher telephone traffic load due to fast mushrooming Non-Telecom related value added services such as Mobile banking and other e-commerce services over phone links.
  2. Delay in getting connected to INTERNET servers due to low data speed and congestion in the network increasing holding time and Traffic load. Tested individually the systems and network will give high speed through put as per design parameters while when loaded it may not be able to perform as expected due to extraneous reasons. To check this there is something known as flood tests, on each segment initially and then for whole system including junction circuits with load and designed overload (130%) by artificial loading methods. This can only reveal functional ability of systems & network.
  3. Machine made spurt of Commercial advertisements and Missed calls based services overloading systems and network.
  4. Growing access to Internet service through Mobile phone connectivity. Mobile has become an inseparable “Life Science Device” and part in parcel of most of ‘Internet of Things’ (IOT)
  5. Inadequacy of Mobile system sites and spectrum to cater the end links. 3G/4G need much higher number if cell and sites than 2G.
  6. Channel stealing in weak signal points by expensive phone with high power chips at Calling or Called end leading to call drops in ordinary phones in the vicinity.
  7. Failure during handover especially while in high data usage as 3G/4G when moving over to Data and Multi media transaction while on Voice calls. (Until systems are fully migrated to IP switching end to end, 2G Voice and 3G Data are routed and switched on differed switching systems now.)
  8. Last must not the least is the poor in-house coverage being experienced with 3G service. While on the calls, speech get badly disturbed or distorted to the extent it can cause disruption the UM link and the Circuit switched path either at the calling side or at the called side. Then why search for reasons of Call Drops elsewhere?.

This can  improve only with Direct home EPON (Ethernet Passive Optical Network) which is a far cry in most palaces in India.  Telcos finding it difficult to pump in more investment inevitable to keep the business running due to slippage of revenue by disruptive technology advancement and the pity is they come up with Cock and Bull stories to escape.

There is something known as ‘Performance Monitoring’ and ‘Quality Control’ right from the Mobile Phones to Net work and Systems.  I had introduced this in one of the early GSM systems in 1995. A daily report used to be on my table in the morning. Doubtful anyone is using it now or even TRAI is insisting on it !!.

Please see my blog on ‘Impact of moving over from Voice to Data” and other blogs related to Telecom in papaulsblog in

—————-  00000  —————-

P. Abraham Paul.  FIE, FIETE.

OWNER FCOMNET Ex. Vice President Technical Sales, SIEMENS ICN, Germany / Director Trg, SC & TS SIEMENS ICN RHQ Dubai / G.M & SMT TBG BPL Mobile India / TES (I) DOT India.

Posted in Life science technologies, Social and Community affairs, Telecom Technology, Uncategorized | Leave a comment

Ideas for Start ups.

Ideas for the “Start ups (Under preparation)

Short link-

Various opportunities the Start ups to look at.

Technology area.

1. Impact of transition from Voice to Data & Multimedia.

Major portion of Revenue from Data services  move from Network Operators to External Service Providers and e-Commerce Business units in PDN. There is big opportunities for small time srtart ups in this arena.

Most of the advance Information Communication Technology systems till few years back had been the monopoly of Network Operators/ ISPs and System vendors.  It has  become necessary to take these out of the monopoly TSPs into the User premises by integrating Technology of numerous User intensive systems, each needing distinctly different user specific Applications which cannot be handled by TSPs. Though these have great impact on Telecom Service providers, as Voice call revenue is dwindling with to transition to Data oriented Communication,  stiff completion making  saturation of usage and the compulsion to forge into more and more broadband products and services with no scope of commensurate returns for the business to survive but opens out great opportunities for Startups to become SMEs.

2. Personal Services Outsourcing (PSO) Systems, Networks and business plans. 

Personal Services Outsourcing opens out tremendous opportunities in various fields for the SMEs and for the Startups to begin small and grow big in short span. Please details in the paper in the link above.  Closely looking in it, one can find ideas of Amazon, Alibaba, JustDial, Uber etc., etc. in it. 

3. Business opportunity in making it many partner systems required for Internet of Things IOT & IOE.  

Mobile Phones as Life Science Device. (Internet of things) 

INTERNET is the best thing happened in technology in past two decades so much so that it has become a life science in humanity across the world. Opportunities opened out so far has become the catch words ‘Internet of Things’ (IOT) that is expanding day by day.

Nevertheless, IOT/IOE cannot happen by itself.  The ‘things’ in IOT and ‘everything’ in IOE need huge variety of the partner systems comprising  Mechanical, Electrical, Electronic and Digital components and wide  variety of applications are involved in IOT implementation. This is one area having lot of opportunities for the start up companies can concentrate on. Please a paper in the link above.

4. Revival of Telecom Manufacturing Sector in India.

This will open out opportunities for start ups in form of setting up ancillary units to make and supply components and support major Telecom manufacturing Companies in India and Abroad.

5. Make Telecom Systems, network, Phones, product and services for the common man.

There is huge marketing hypes going for selling high end Phones, products and services. As in any other Industry, in TELECOM business also the volume of Business come from the majority users in the middle class. So the cost of Phones and usage cost shall be affordable to them. There is opportunity for SMEs and Startups in making these locally.

6. Technology based Universal Emergency support Systems, Solutions and Services.

7. Exclusively banked Universal Money management using phones. 

Above article I wrote 20 years back is the ‘power mill’ to move forward in realising Inclusive Growth, Micro Finance support and moving towards #Digital India. Visualising  it’s disruptive potential on Banking Industry unless regulated and kept within Banks, I did not Venture it myself. Since then I was after Government & RBI to do the needful. Seems that Government is yet toiHowever jumping into it prematurely before its prerequisites taken up and completed in war footing  basis will be disastrous, the reason I did not venture in it myself.

Nonetheless, it opens out great opportunities for SMEs and Startups to participate in the process in providing and serving of millions of POS machines (the man machine interface apparatus at every Point of Sale and Point of Service) everywhere in the world, also Employment potential for millions as Franchisees as middle men to handle it as explained in my paper in the link above. It can also absorb the surplus staff in BSNL, Post offices, Banks etc.

Also Please see my ideas, first of its kind, how to convert its disruptive potential as advantage Government and advantage people in my papers in the links many of it Government and the Media yet to grasp.  After all Governments are Governments. What is surprising is hundreds of seminars and Media happen everyday on Mobilepayment but none them bothered to look at the workable suggestions and proposals. 

Other ideas for start ups.  

1. Micro finance. Short term money lending using Mobiles from home.

 2. Money changers, Physical Money to Virtual and vise versa. Please see my ppt presentation in

And many more as can be seen in my papers mentioned above.


8. WiFI and INTERNET Centres and related Services.

9. Coaching classes for house wives in Computer and Internet handling and about and Digital India, Direct Benefit Transfer.

10. Low cost ERP service for  small firms and start ups. 

11. Innovative system for Road toll & Parking space usage charging. and A way to reduce Road usage, Automated Parking lots over Roads by private participation, Less pollution. More revenue for Governments / Municipality. 

12. How to reduce Drunk & Drive accidents. 

Other Suggestions for SMEs and Startups to look at.  

1. Alternate energy. Captive hydro electric,Wind,Tides, Bio-fuel and Solar systems. Storage Batteries, Reverse feeding Power grids.

2. Internet connectivity and Wifi everywhere along with Electric supply by State or Private Electricity Boards and its on-the-roads and in-house support devices. 

3. Cheap LED lamps. Make and market cheaper LED lamps, Big market there. Distributed lighting using few LED lamps. Light carried to distributed points using Optical pipes to light emitting end pieces from a single LED light source.

4. Horticulture with drip irrigation and other technology ideas in draught prone areas.

5. Automatic brick making systems in rural areas.

For paving in the water ponds, rain water Tanks, Fields etc. to store and preserve rain water. 

6. Usage of idle railway land by local co-operatives.

7. Auto diagnosing and reporting biological condition to physicians.

8. Artificial Intelligence of sorts.    

– Bio science is the way to make positive change in human behavior and existence  

– Home delivery of Milk and fresh vegetable kits on daily basis. 

– IOT ideas for future buildings, structural and operational and maintenance.

IOT, IOE and AI need partner systems in various other fields of Technolgy to take off. There are many opportunities for Startups in this. 

               (Under preparation)

P. Abraham Paul. FIE, FIETE.



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Why Universal Money through Mobile (mTm)

Why Universal Money through Mobile (mTm)           Abraham Paul. P. abraham-paul-2

Universal Virtual Banking

mTm System


Why Universal Money through Mobile (mTm).png

Power & perils of Noney going virtual


Abraham Paul P.




Posted in Inclusive Growth, Cashless Society, Tax free regimes, Eradication of Corruption and Black Money, Contol on Terrorism - in one go., Life science technologies, Mobile through Mobile (mTm), Telecom Technology | Leave a comment