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Towards a Digital From Direct savings
India Bicholia Transfer due to the
• The massive to Direct Benefits elimination
rise in Transfer of ghost
smartphone • DBT enabled beneficiaries.
ownership by JAM trinity
is rapidly – Jan Dhan * * *
bridging the – AADHAR –
digital divide. Mobile Phone
• Significant • Transforming

drop in the public service
cost of data delivery by
has led to plugging
a surge in leakages.
internet usage. • No
• Digital commission
literacy is to middlemen
facilitating the for access
digitalization to welfare
of governance. schemes.
• Massive
104 9 Years - Seva, Sushasan, Garib Kalyan