最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

强制绑定Aadhaar,印度金融机构新规引发用户不满

国际资讯监管与政策

强制绑定Aadhaar,印度金融机构新规引发用户不满

印度生物识别身份认证数据库Aadhaar爆出泄露事件,吓坏了那些希望保有个人经济隐私的人,但即使如此,印度银行和保险公司依然不断催促其客户将账户与该系统绑定。

(相关阅读:《印度全民身份信息遭泄露,售价仅8美元?》)

印度最高院设下2018年3月31日为最后期限,各家金融机构为了完成这一要求可谓各出奇招,比如没有提供12位个人认证号码的账户交易可能就会受阻或者不允许开设新账户。

疑惑丛生

29岁的Tanya Jones(化名)是孟买一家媒体公司的员工。她最近发现,在没有收到任何通知的情况下,印度银行(SBI)(印度最大出借方)直接将她公共公积金账户改变为"停止"状态。她提交了Aadhaar具体信息后才得以重新激活。

"整个过程很麻烦,停止我账户只需轻轻一点,但我花了一整个下午在银行从3个不同的人那里得到5个签名才重新激活。他们至少应该先短信或邮件通知我一下。"她对Quartz如此说。

Quartz向SBI就此事发了封询问邮件,但尚未收到任何回复。

12月16日,印度最高院将Asdhaar绑定银行账户的最后期限延长三个月至3月31日。但银行不想等待。"每个人都会在三月最后一个礼拜来银行绑定号码,银行怎么应付那么多人呢?因此,一些网点决定不如提前动手,确保一切顺利进行。"一位要求匿名的刚退休的公营部门银行职员说。

但客户的折磨早已开始。

2017年8月,Quartz 一名印度作者被拒绝在Kotak Mahindra银行开设账户,那时离修改前的最后期限(2017年12月31日)还有四个月。Kotak承认在最后期限前就已经强制要求Aadhaar号码。

但一些银行职员认为以上是个例。"印度银行协会(IBA)在最后期限得到延长后,向所有银行发出了通知。所以现在银行都遵循新的最后期限。一些小网点可能没有收到通知或一些小城市会发生此类事件,但这不是一个广泛的问题。" IBA CEO VG Kannan说。

上个月,Kannan在BloombergQuint采访中说,截止当时只有50%的银行账户绑定了Aadhaar号码。

问题显现

但问题并不仅限于银行。

现在连保险公司也开始以没有Aadhaar号码为由拒绝处理索赔并停止续保。这个月早期,有报道称Cigna TTK拒绝了一个案例中的无现金申请。

33岁新德里媒体从业人员Asmita Sengupta(化名)在Life Insurance Corporation(LIC)的网站上无法获得她的保险文档或续保。LIC在就此事回复Quartz的邮件中承认了这个错误并表示已经改正。

"我们没有向各个办公处发出指示,要求停止非Aadhaar绑定用户的保险政策服务。"LIC在邮件中如此说。

另一名希望匿名的保险从业者说:"我们听闻了这些事件。但对LIC这样占据大量市场份额的公司来说,肩上有很多压力。他们必须行动迅速。"

最高院正在讨论Aadhaar的有效性,因此目前还不会要求公司进行胁迫。

但无论如何这场混乱中总有讽刺的一点。Aadhaar本意是帮助政府容纳那几百万被排除在金融系统之外的民众,消除官僚主义障碍。但在强制实施该项目时,却反而给这个目标群体带来了新的压力和困惑。

Even as reports of leaks in India’s biometric identity database, Aadhaar, spook those who’d like to keep their finances private, lenders and insurance companies are browbeating customers into linking their bank accounts with it.

In their zeal to meet the supreme court-designated March 31, 2018, deadline, the firms are either arbitrarily blocking accounts or disallowing the opening of new accounts without submission of the 12-digit unique identification number.

Confusion reigns

Tanya Jones (name changed), a 29-year-old Mumbai-based media professional, recently discovered that, without even informing her, the State Bank of India (SBI) had changed the status of her public provident fund account to “stopped.” Her account was re-activated by the country’s largest lender only after she submitted her Aadhaar details.

“It was a harrowing experience, it was just a click of a button but it took five signatures from three different people at the branch and I had to spend a whole afternoon there,” Jones told Quartz. “They should have at least informed me about it via SMS or email.”

An email questionnaire Quartz sent to SBI on the matter remains unanswered.

On Dec. 16, the supreme court of India extended the deadline to link bank accounts with Aadhaar by three months to March 31 this year. But banks are wary of waiting. “The problem is that if everyone starts coming in to get their Aadhaar linked in the last week of March, how do you expect banks to cope? Therefore, certain branches are trying to be better safe than sorry and doing it from now itself,” a recently-retired public sector banker said, requesting anonymity.

However, customers’ ordeals began long ago.

In August 2017, a Quartz India writer was denied the right to open an account with Kotak Mahindra Bank, four months before the then deadline of Dec. 31, 2017. Kotak admitted making Aadhaar mandatory before the due date.

Some bankers, though, dub these stray incidents. “The Indian Banks’ Association (IBA) had sent out a notice to all the banks after the deadline was extended explaining that now they have to stick to the new deadline. So now banks are following the rule,” said VG Kannan, chief executive officer of the IBA. “In some cases, it’s possible that some small branches are not aware or this may happen in smaller cities, but we don’t see it as a widespread problem.”

Last month, Kannan told BloombergQuint that only 50% of the bank accounts had been liked to Aadhaar till that time.

Problem manifests

But then, the problem isn’t restricted to banks alone.

Even insurance firms are now denying claims and stopping renewals in the absence of Aadhaar. Earlier this month, Cigna TTK reportedly refused cashless approval in one case.

Asmita Sengupta (name changed), a 33-year-old New Delhi-based media professional, was unable to access her insurance documents or renew her policy on the Life Insurance Corporation of India’s (LIC) website. In an emailed response to Quartz, LIC admitted the error, adding that it had been rectified. “No instructions have been given to our offices that policy services be stopped for non-submission of Aadhaar and PAN,” an LIC official said in the mail.

“We are also hearing about these issues…But there is a lot of pressure on all these companies like LIC, which control a vast majority of the market. They need to act swiftly,” said an official of another insurance company who did not wish to be identified.

The coercion may be uncalled for at this point given that Aadhaar’s effectiveness is itself under a cloud as it is being argued in the country’s apex court.

In any case, the irony in the mess can’t be missed. Aadhaar was meant to help the government include millions of Indians usually left out of the financial system, besides eliminating bureaucratic hurdles. But forcing them into the programme has only made it more stressful and confusing for the very people it was supposed to benefit.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

潘, 妍媛未央编辑团队

141
总文章数

TA还没写个人介绍。。。

印度网贷平台Drip Capital获1500万美元融资

Biswarup G... | ECONOMIC T... 10小时前

FCA发布银行处理加密资产风险指导意见

Helen Part... | 巴比特资讯 06-13

小贷平台Aye Finance完成2.15亿美元C轮融资

KrASIA | 36Kr 06-12

P2P支付平台Circle开始申请银行执照

Molly Jane... | 巴比特资讯 06-07

携手银行,智能投顾平台Scalable公司资管规模突破12亿美元

栀航 06-05

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1