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:  http://wp.me/p1ZsI2-XG

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 wp.me/p1ZsI2-4g

Slide7

 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 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 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: wp.me/p1ZsI2-M6

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. http://wp.me/p1ZsI2-J5 

                 ______________________________

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

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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: http://wp.me/p1ZsI2-VA

Abraham Paul P.    Dated 28 September, 2016.

Introduction: 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, telecom systems right from Magneto to most modern Digital systems in India and abroad, 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.

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 topography situations such as 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 and even if they are able to poach considerably large volume of subscribers from incumbents network; offering advance features, products, attractive  service plans and cut throat Tariffs.

3. However, when subscribers of an existing operator moves to a new operator in a service area the Intra-Exchange traffic become less and roaming traffic increases to that extent, needing more interconnects making it necessary for existing operators are 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 appropriate business case as existing have cost for added connectivity while suffer loss of revenue due to lessened  volume of subscribers.

5. Government and TRAI need to look up at these issues and decide ‘Who will bell the Cat’. Surprisingly neither the DOT, the TRAI, nor the warring TELCOs / COAI, the Technical experts and the ever vociferating Media guys thought it relevant though obviously enough things cannot go on like this, anymore.

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

The options are: 

i) DOT to get it done by BSNL Corporation.  It can be a good business diversification to earn additional revenue from interconnect charges. Also can keep its idling staff occupied.

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.

ii)  A Consortium of TSPs to set it up and operate with a Cost and Revenue share, basis.

iii)  Give fresh license to an existing or new Service Provider exclusively for this purpose.

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

4.1. 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 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.

4.2.  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.

4.3. 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, Inter-connectivity and Technology, there is an urgent need to look at the basic fundamentals of Telephony. It is surprising how with about one billion users 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, and everyone pitching for Net Neutrality. Many questions arise as to:

i) Whether the stakeholders involved care to look in the basic fundamentals of Telephony:  ii) Does Private industries like Google etc., foraying into Telephony business as OTTs  wedging in with own networks, come under the definitions of  “Public Switched Telephone Network (PSTN)” that include PLMN and PSPDN?

4.4. 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 crept in are disrupting the the 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.

Conclusion. Telecom business, a Service Industry also obligatory to handle one of the essential services, is a different ball game. Therefore, the policies of Government and also some extent the industry shall be People Centric and not Money Centric and better to keep the Judiciary out of it.

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

Please see my other blogs on related topics:

  1. Impact of transition from Voice to Data & Multimedia http://wp.me/p1ZsI2-23

2. Make Telecom Systems, network, Phones, product and services for the common man. http://wp.me/p1ZsI2-9i

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

4. Telecom Industrialists need caution on broad band network ideas that do not fit in the future. http://wp.me/p1ZsI2-4s

5. Net Neutrality without hurting Telcos and End users. http://wp.me/p1ZsI2-ES

6. Exclusively banked Universal Money management using phones.          http://wp.me/p1ZsI2-4g

7. Save Telcom businesses, a service industry handling a vital essential service in verge of collpapse. wp.me/p1ZsI2-12v

8. TELCOs in India missed the Bus in diversifying business into Pay by phone VAS. wp.me/p1ZsI2-30


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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: http://wp.me/p1ZsI2-TS

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.

E-mail: papaul@hotmail.com      Twitter.com/pa_paul

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Why call drops in Mobile Telecom Service.


abraham-paul-2

Why excessive Call drops in GSM Mobile Telecom Service.

http://wp.me/p1ZsI2-RG

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) http://wp.me/p1ZsI2-zM
  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” http://wp.me/p1ZsI2-23 and other blogs related to Telecom in papaulsblog in WordPress.com

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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-  http://wp.me/p1ZsI2-Rh 

 

Abraham Paul. P.  FIE, FIETE

Harnessing the vast human resource in the country shall be the main objective.

Instead of blaming the enormity of our population base for every woe, it shall be converted as our major strength. The prime cause of poverty in India especially among the majority, rural mass is the lack of environment to generate the minimum income needed for their
livelihood, from agriculturee, employment or other resources.

India needs a different type of democracy, knitting of a secularist nation with the threads of participation of the entire mass, one of the basic object realizing national integration in the course. The American model of democracy where self-indebted vanity is the yardstick of  development is not suitable for India. The consequences are obvious now. China’s previous few decades though seem effective are too drastic and impractical to emulate here through a democratic process.

Most of the unrest and disharmony happening everywhere, may it be of social, political, various disruptions caused by actions and counter actions of different ethnic groups and communities turning into religious extremism, are due to the shift in the focus of life among the mass especially the village youth, due to desperation fermenting of the prevailing situation that deprive them options and opportunities to grow up and lead a normal life.
To alleviate it, the primary focus shall be on the uplift of the 750 dd million rural population, by providing them basic amenities such as a home to live, clean water, cheap electricity and fuel, primary healthcare, free basic education and skill development to ake everyone employable, effective public distribution system, good roads and other infrastructure, and a minimum assured income from agricultural or trade related occupation with adequate
change in labor laws ensuring decent income to workers for sufficient enough for their moderate livelihood enabling people to stay in own villages instead running away to congested cities. Moreover, once this is achieved, there will no one to follow the miscreants.

Priority for next ten years shall be the management of human resources everywhere across the country. To bring real change, it is necessary to enable participation and sense of ownership for common man in the nation building process and plug every means of corruption at all levels. Experiences thus far have proven that current methods of governance and government machinery are not properly geared to achieve these. A strong will and conviction for a major shift in the policies of the Government for a changed social outlook are needed to push the country forward.

Fortunately, India is in a better position than many other countries, with matured national heritage, cultural strength, abundant natural resources, etc. The trick lies in harnessing all these with our wealth of human resource effectively. Education shall not be for making every one graduates, but making them employable by imparting and inculcating adequate skills for it.
Industries should have apprenticeships for various levels of jobs to provide hands on experience and absorb them later.

The points mentioned below towards this end may seem difficult to conceive and digest by many in the higher echelons of current political hierarchy. Though seems to be unconventional, these are realistic and achievable.
(The above is an excerpt from my paper “The Bitter Pills for India Reprieve I published in 2004. wp.me/p1ZsI2-5I )

Opportunities the Start ups to look for.

I. Technology area.

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

http://wp.me/p1ZsI2-23

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 transition from Voice 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 and therefore, it opens out great opportunities for Startups to become SMEs.

2. Personal Services Outsourcing (PSO) Systems, Networks and business plans. http://wp.me/p1ZsI2-3u 

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 see details in the paper in the link above.  Closely looking,  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) http://wp.me/p1ZsI2-zM 

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 partner systems comprising  Mechanical, Electrical, Electronic and Digital components and wide variety of applications built into it are involved in highly diverse and user specific IOT implementation. This is one area having lot of opportunities for the start up companies can concentrate on. Please see my paper in the link above.

4. Revival of Telecom Manufacturing Sector in India. http://wp.me/p1ZsI2-3o

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

5. Make Telecom Systems, network, Phones, product and services for the common man. http://wp.me/p1ZsI2-9i

Huge marketing hypes are on 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 its cost of usage shall be affordable to ttowns the majority users.  It opens out opportunitid for SMEs and Startups in making these locally.

6. Technology based Universal Emergency support Systems, Solutions and Services. http://wp.me/p1ZsI2-lZ

7. Exclusively banked Universal Money management using phones.   http://wp.me/p1ZsI2-4g 

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 wp.me/p1ZsI2-Ku   wp.me/p1ZsI2-XG   wp.me/p1ZsI2-Yn 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 bother to look at the workable practical, quick and cheap workable solutions for the majority common people. 

II. 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 wp.me/o1ZsI2-4g

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

1. WiFI and INTERNET Centres and related Services.

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

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

4. Innovative system for Road toll & Parking space usage charging.    http://wp.me/p1ZsI2-xb and http://wp.me/s1ZsI2-506 A way to reduce Road usage, Automated Parking lots over Roads by private participation, Less pollution. More revenue for Governments / Municipality. 

5. How to reduce Drunk & Drive accidents and use of Polluting vehicles. http://wp.me/p1ZsI2-It 

Other Suggestions for SMEs and Startups to look at.  

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

7. 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. 

8. 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.

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

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

10. Automatic country brick making small scale plants in Villages & rural areas.

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

11. Allowing usage of idle railway land by local co-operatives for cultivation.

12.  Auto diagnosing and reporting biological condition to physicians.

Artificial Intelligence of sorts in in the area of Medicine and Biology.    

– Bio science is the way to make positive change in human behavior and existence http://wp.me/p1Zs  

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

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

14. Overhead Parking spaces with automatic parking facilities over wide roads in congested areas on BOT basis.  

15. Mass factory production of Bio Toilets and supply to every Panchayats

16. Making provision of Air Cleaning and recycling systems cumpulsory in every Vehicle, in Homes and in Public places.

              (Under preparation)

P. Abraham Paul. (P.A. Paul) PFIE, FIETE.

 

L

Posted in Ideas for start ups., Social and Community affairs | Leave a comment

Why Universal Money through Mobile (mTm)


Why Universal Money through Mobile (mTm)           Abraham Paul. P.

http://wp.me/p1ZsI2-PQ abraham-paul-2

Universal Virtual Banking

mTm System

 

Why Universal Money through Mobile (mTm).png

Power & perils of Noney going virtual

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Abraham Paul P.        papaul@hotmail.com

 

 

 

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

POWER AND PERILS OF MONEY GOING VIRTUAL.


POWER AND PERILS OF MONEY GOING VIRTUAL.

dated Oct 25 2015

Short link http://wp.me/p1ZsI2-M6                     abraham-paul-2

ABRAHAM PAUL P

For over a decade now I had been propagating the idea of Universal Money Management using phones, in a paper I published in 2002, that nobody took it seriously then. wp.me/p1ZsI-4g

Now there are thousands of e-money business Companies using it world wide creating parallel economy of Virtual money that can be disruptive to Banking Industry as well as Governments economy unless it is well regulated. How Virtual money can be harnessed and used are explained in this presentation and the papers in it. Call it a simpler version of Crypto currency, BLOCKCHAIN or else. Concepts are important, nuts and bolts can be added by thousands out there.

Universal mTm- System intgrated with Exclusive mTm- Bank

 

Money cycle in mTm

Click on the caption below to view the presentation which is self explanatory. .>>>

Microsoft PowerPoint – VIRTUALBANKS(S) (1)

  1. The idea of Government using money as a Commodity.

Governments spend quite a lot of money for Printing Money,  its safe keep, distribution, replacements and accounting of it and for preventing Black money and Counterfeits.

State, Banks and People make use of it in Physical form and also in Virtual form of sorts.

Everyone  use it profitably and multiply it, drawing more into it.

In addition to creation of MONEY, all Governments created different forms of Taxation to earn revenue for themselves. Taxes of sorts in vogue put together, cause heavy burden on people to the extent that further taxation is strongly objected by all putting constraints on Government’s Revenue.

It is only right for Governments use Money as a commodity and levy some sort need based fee, call it service charge, maintenance charge or whatever, on its use.  The charge will be applicable only on the Payer (except in exceptional cases), the person or the organization or the system make payments, that is collected autonomously at the transaction stage. That way the burden is distributed to entire population evenly, more on the rich and less on the poor.

Money being dynamic and never remain static at one point, money goes on rolling continuously non-stop, making its revenue earning potential for the Government, larger and larger.

The revenue collected thus by Governments would be enormous and much more than what is being collected in various forms of taxes now and will suffice to cover entire Government expenditure comfortably and much more for development needs without burdening people with any form of taxation GST and else.

The damage on common people can be limited to affordable levels that will be eventually much lower than all existing taxes they pay now in various forms. The rate of charge shall be such that the revenue earned can meet Government expenses on all counts. The rates of transaction fee shall be variable and need based so that it can be altered according to need. For example in case of a national calamity the rate can be raised and collect required funds immediately for it and lower it back later.

The usage fee rate can be User based, area based, amount based etc. etc.  The amount collected shall be enough to share with States and other stakeholders in the chain like Payment Gateways (Payment banks) Telcos, etc.

Please see a simple presentation in the link below explaining the idea with no jargons,  leaving it to the experts to look into and think about further.

2. The challenges are making available fail proof systems, INTERNET  CLOUD and connectivity between Reserve Bank Server and Payment Gateways to ensure on-line authentication of every virtual money transaction. In order to manage this the redundant  Technology systems with exclusive  integrated bank, and Reserve Bank server shall reside in the exclusive CLOUD. Risk area is the non-availability or failure of connectivity while on the move and in POSs everywhere.

Moreover, it can be seen that to make these systems work,  the Payment gateways associated shall be mainly Technology systems, not Banks and shall therefore, function under the ambience of the Government for obvious reasons.

It means that like Creation and Management of Real Money; Reserve shall be the sole authority and Creator, Custodian, Operator, Controller/Regulator of Money in Virtual form also. 

3. The crux of the issue involved in Virtual money business is Money in Physical form reach and reside in Reserve bank and money in active virtual form originate and move and  reside as dynamic Wallet with its users and continuously moves and finally returns to Reserve bank to get converted into physical Money so that the quantum of physical money remains constant while Government can make enough money for its needs using money as a commodity both in its physical form as well as in Virtual form. It means the newly born payment banks have to think how they run their business.

4. Again, to prevent fast mushrooming private Virtual Money businesses disrupt legacy Banks and Banking Industry, the way out for the Government make the Banking Industry  itself convert and take over handling of Virtual money,  the way it is described herein.

5. Money going Virtual Universally can rein in extremism.

With the system in place with every Government Universally everywhere it is possible to monitor who uses the money for what purpose, to buy Bread or Bombs and Guns and control the money flow.

War is no solution. Wars kill innocents more and create more extremists. Controlling the money supply to such elements and groups is the only sure way to restrict extremism and extremist activities effectively.

6. Sizeable percentage of money transactions already happen in virtual space. By phasing out real money universally and monitoring and controlling money in its virtual form as suggested herein would help to  eliminate extremism of sorts exists across the world.   The idea is explained in detail in my blog “Power of Virtual Money, its problems and need of Regulation”  in the link http://wp.me/p1ZsI2-Ku

A short presentation can be seen by clicking on the caption below which is self explanatory.

Microsoft PowerPoint – VIRTUALBANKS(S) (1)

mTm with Integrated bank

Also please see a detailed write up and presentation I wrote many years back. “Exclusively banked Universal Money management systems and methods” http://wp.me/p1ZsI2-4g and ‘Power of Virtual Money, its perils, Solutions and urgent need of regulation.’ in the link  http://wp.me/p1ZsI2-Ku

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By Abraham Paul. P. FIE. FIETE

Owner FCOMNET.   Ex. Vice President SPCNL SIEMENS ICN Germany / Director TRG, TS & SC SIEMENS RHQ UAE / G.M & Member TBG, BPL Mobile India / TES (I) DOT India.

papaul@hotmail.com  P +91 471 2446644  M +91 9446322644    Tweet @pa_paul

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Posted in Inclusive Growth, Cashless Society, Tax free regimes, Eradication of Corruption and Black Money, Contol on Terrorism - in one go., IT based services, Life science technologies, Social and Community affairs, Telecom Technology | Leave a comment