Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[nitesh gupta]

I see this debate in another way. We VI need to fight till this world
is not easy and hard to live as our counterpart sighted.
I think all the Governments of this world should make all the Apps and
sites illegal,which are not accessible for blinds.
Really I feel the pain of blindness when this captcha becomes hurdle.
but side by side I support the move of Modi because by this
digitalization a blind has doors of so many opportunities.
We can not deny that today most of us get our work done with the help
of computer and if the use of net will be increased, we will be more
independent.

On 12/10/16, Ajay Minocha  wrote:
> Hi Shyam,
>
> Please mention your address as a reply to this email, God knows, you
> might be the magician who can restore my eyesight?
>
>
>
>
>
> On 12/9/16, shyam sharma  wrote:
>> Hi all,
>> I think Mr. Ajay is a partially sighted person who can easily operate
>> mobiles without any screen reader's assistance because only a
>> partially sighted person can talk like this.
>>
>> Regards,
>> Shyam
>>
>>
>> On 12/9/16, P L VERMA  wrote:
>>> also, the *99#  for not so smart phone walas like me
>>>
>>> - Original Message -
>>> From: "Ashik" 
>>> To: "AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>> the disabled." 
>>> Sent: Friday, December 09, 2016 4:35 PM
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>>
 Dear Sir,

 You have mentioned some very commonly used apps above. People will more
 than happy to use them with your guidance. It's better for us that you
 make some audio tutorials on them. I have started using Paytm recently.
 I
 had to struggle a lot initially. But, if I had some tutorial on it, the
 task would have been much easier. You and some institutes like Saksham
 can

 do the job for the benefit of the blind who are not so techno-savvy.

 Thank you.

 Ashik Hirani
 845998
 - Original Message -
 From: "Ajay Minocha" 
 To: "AccessIndia: a list for discussing accessibility and issues
 concerning the disabled." ; "bhawani
 shankar verma" 
 Sent: Thursday, December 08, 2016 4:48 PM
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call


> Hi all,
>
> Happy to guide on BOB, HDFC, SBI and paytm
>
> Regards,
> Ajay
>
> Sent with AquaMail for Android
> http://www.aqua-mail.com
>
>
> On December 8, 2016 3:54:49 PM "bhawani shankar verma"
>  wrote:
>
>> agreed, accessible machines with speech technology is required. UPI
>> interface is recently launched utility and it will get popularity soon
>> as if
>> the sender and recipient creates vertual address, they need not to
>> disclose
>> the account details. it will be more safe and secure as the disability
>> is
>> concerned.
>>
>>
>>
>> -Original Message-
>> From: Zoher Kheriwala
>> Sent: Thursday, December 08, 2016 11:21 AM
>> To: AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.
>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>> online
>> payments is tough call
>>
>> Dear Ajai,
>> Generating a receipt by POS machine does not confirm the receipt of
>> payment. Sometimes amount is deducted from customers account but
>> transaction gets failed due to server problem. In above case the POS
>> machine generates transaction failed receipt which we have to give to
>> customer as a proof of unsuccessful transaction. We experience same
>> thing on online payment as amount get deducted from our account but
>> the online store does not receive the payment. This is very common
>> with IRCTC web site.
>> Bhawani sir, in today’s competitive market we have to give that
>> payment options which are comfortable to customer, swiping the card is
>> commonly accepted method of cashless transaction.
>> .
>>
>> On 12/8/16, bhawani shankar verma  wrote:
>>> they can give the customer his IFSC code and account number. the
>>> customer
>>> can transfer money instantly through UPI. as you quoted a small
>>> business
>>> owner, the transfer limit of Rs.1/- UPI limit should suffice the
>>> matter.
>>>
>>> - Original Message -
>>> From: "Zoher Kheriwala" 
>>> To: "AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>> the disabled." 
>>> Sent: Wednesday, 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hi Shyam,

Please mention your address as a reply to this email, God knows, you
might be the magician who can restore my eyesight?





On 12/9/16, shyam sharma  wrote:
> Hi all,
> I think Mr. Ajay is a partially sighted person who can easily operate
> mobiles without any screen reader's assistance because only a
> partially sighted person can talk like this.
>
> Regards,
> Shyam
>
>
> On 12/9/16, P L VERMA  wrote:
>> also, the *99#  for not so smart phone walas like me
>>
>> - Original Message -
>> From: "Ashik" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Friday, December 09, 2016 4:35 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Dear Sir,
>>>
>>> You have mentioned some very commonly used apps above. People will more
>>> than happy to use them with your guidance. It's better for us that you
>>> make some audio tutorials on them. I have started using Paytm recently. I
>>> had to struggle a lot initially. But, if I had some tutorial on it, the
>>> task would have been much easier. You and some institutes like Saksham
>>> can
>>>
>>> do the job for the benefit of the blind who are not so techno-savvy.
>>>
>>> Thank you.
>>>
>>> Ashik Hirani
>>> 845998
>>> - Original Message -
>>> From: "Ajay Minocha" 
>>> To: "AccessIndia: a list for discussing accessibility and issues
>>> concerning the disabled." ; "bhawani
>>> shankar verma" 
>>> Sent: Thursday, December 08, 2016 4:48 PM
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>>
 Hi all,

 Happy to guide on BOB, HDFC, SBI and paytm

 Regards,
 Ajay

 Sent with AquaMail for Android
 http://www.aqua-mail.com


 On December 8, 2016 3:54:49 PM "bhawani shankar verma"
  wrote:

> agreed, accessible machines with speech technology is required. UPI
> interface is recently launched utility and it will get popularity soon
> as if
> the sender and recipient creates vertual address, they need not to
> disclose
> the account details. it will be more safe and secure as the disability
> is
> concerned.
>
>
>
> -Original Message-
> From: Zoher Kheriwala
> Sent: Thursday, December 08, 2016 11:21 AM
> To: AccessIndia: a list for discussing accessibility and issues
> concerning
> the disabled.
> Subject: Re: [AI] For Millions of Indians with Disabilities making
> online
> payments is tough call
>
> Dear Ajai,
> Generating a receipt by POS machine does not confirm the receipt of
> payment. Sometimes amount is deducted from customers account but
> transaction gets failed due to server problem. In above case the POS
> machine generates transaction failed receipt which we have to give to
> customer as a proof of unsuccessful transaction. We experience same
> thing on online payment as amount get deducted from our account but
> the online store does not receive the payment. This is very common
> with IRCTC web site.
> Bhawani sir, in today’s competitive market we have to give that
> payment options which are comfortable to customer, swiping the card is
> commonly accepted method of cashless transaction.
> .
>
> On 12/8/16, bhawani shankar verma  wrote:
>> they can give the customer his IFSC code and account number. the
>> customer
>> can transfer money instantly through UPI. as you quoted a small
>> business
>> owner, the transfer limit of Rs.1/- UPI limit should suffice the
>> matter.
>>
>> - Original Message -
>> From: "Zoher Kheriwala" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Wednesday, December 07, 2016 7:45 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>> online
>> payments is tough call
>>
>>
>>> Hi friends,
>>> till now this topic is discussed only from the point of view of blind
>>> customer or amount sender only. What about the small business runner
>>> who suffers from blindness?
>>> the swipe machine or POS machine installed in there shop is not at
>>> all
>>> accessible. Even you cant memorize the steps to accept the payment as
>>> the software of these machines are periodically updated due to
>>> security reasons, which makes the accepting process different with
>>> each update. Moreover some times due to card failure or network
>>> failure a blind shop owner 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[shankar shan]

100 percent I agree  with ajay’s words.
It all depends on the person’s intrest’s
Its just my opinion, if the person is interested towards the
development  of app accessibility, they may directly contact  the
developer and suggest the bug fixes.

For captcha they can provide the  check box to solve it, and also the
technology improved tremendously the OTP can red by device.
For your kind information, the devolopers does not go with manual
coding,  they allways coded with some softwares.
some times, they mess up with coding.
Many devolopers does not no about the accessibility, aria, web standards.
I have seen that, many n g o’s represent the visually impaired’ people
for learnings, rather than the devolopers.
Till now, no n g o has conducted the workshop for the devolopers.

Many times, we will go for the razing the campains towards the
employment, helth, mobility. Etc but not towards the accessibility.
The visually impaired bank emploies has to educate the bankers  to
provide the fecilitys for the visually impaireds.

And also, many times I have seen that,  complaining on this  list
saying, not getting the banking fecilities. From the list members.
cannt they  approach  the visually impaired bankers in the branch to
awail the fecilities?

Most of the people might not have the computer knowledge, but, many
people has the knowledge of handeling the android devices.
Each and every state/city has there own whatsapp group  to educate on
the android.
There might chance that, 5 to 10  percentage of the people may still
using the nokia/simbian devices.

Why cant the group admins  and the nearest visually impaired bank
emploies take the chance to educate  on the cashless transactions,
online shopping., and other aspects?

I think, before approaching  the government or other sighted people,
let us help other blind friends  to educate with our knowledge.

I don’t know, how was the survey  conducted, the Zomato app is not
much accessible. Compare to foodponda.
In my view, the foodpanda is much accessible than the Zomato.
The foodpanda has some issues with the buttons and the images. But,
the Zomato  is not much accessible for the screen reader users.







On 12/10/16, m.chandrashekar  wrote:
> in my opinion, getting a place in big shopping mahal like, big bazar, total
> mahal, megha more, etc for visually impaired person, is very comfortable.
> risk is very less compared to running independent shop.
> with best regards, m.chandru
>
> -Original Message-
> From: Zoher Kheriwala
> Sent: Wednesday, December 07, 2016 7:45 PM
> To: AccessIndia: a list for discussing accessibility and issues concerning
> the disabled.
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
> Hi friends,
> till now this topic is discussed only from the point of view of blind
> customer or amount sender only. What about the small business runner
> who suffers from blindness?
> the swipe machine or POS machine installed in there shop is not at all
> accessible. Even you cant memorize the steps to accept the payment as
> the software of these machines are periodically updated due to
> security reasons, which makes the accepting process different with
> each update. Moreover some times due to card failure or network
> failure a blind shop owner does not come to know that whether the
> payment received successfully or not.
>
> On 12/7/16, bhawani shankar verma  wrote:
>> i suggest to use UPI app of your bank in particular. in my case it is pnb
>> UPI app and is 90% accessible. Some buttons are to be labled manually. you
>> need not to register yourself for internet banking etc. you can register
>> it
>> through your linked mobile number, and debit card with a particular
>> account.
>> the maximum limit is rs.1/- through this mode.
>>
>> - Original Message -
>> From: "George Abraham" 
>> To: "'AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.'" 
>> Sent: Wednesday, December 07, 2016 3:36 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Rightly said! I see it as an opportunity  for us to push for access to
>>> all
>>>
>>> financial services including all websites, apps etc.
>>>
>>> -Original Message-
>>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>>> Behalf Of Leikhu Laishram Leingakpa
>>> Sent: 07 December 2016 14:03
>>> To: AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>>
>>> the disabled.
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>> Dear all
>>> Of course every blind or visually impaired are not literate or tech
>>> sabby. This is the case with the non-disabled people too. Moreover
>>> cashless is not going to happen overnight. But there are many 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[m.chandrashekar]

in my opinion, getting a place in big shopping mahal like, big bazar, total 
mahal, megha more, etc for visually impaired person, is very comfortable. 
risk is very less compared to running independent shop.

with best regards, m.chandru

-Original Message- 
From: Zoher Kheriwala

Sent: Wednesday, December 07, 2016 7:45 PM
To: AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is pnb
UPI app and is 90% accessible. Some buttons are to be labled manually. you
need not to register yourself for internet banking etc. you can register 
it
through your linked mobile number, and debit card with a particular 
account.

the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues 
concerning

the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call


Rightly said! I see it as an opportunity  for us to push for access to 
all


financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues 
concerning


the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards embracing
the
change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham" 
wrote:


Ajay,

The point is well made. But the point to be noted is that millions of
blind
people in India are not computer/tech literate. Most banking facilities
are
inaccessible and many banks still do not easily provide banking
facilities

to blind people. Alongside pushing the cashless system, it is important
to

empower the blind individual, and make accessible the tools of the
cashless
economy and banks have to start engaging with blind customers. The
switch
is not quite that simple. This cashless economy makes it all the more
critical that Digital India becomes accessible.

Regards,

George


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Ajay Minocha
Sent: 06 December 2016 23:54
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Mohit Gupta]

dear shyam
You are pointing wrong facts.

On 12/9/16, shyam sharma  wrote:
> Hi all,
> I think Mr. Ajay is a partially sighted person who can easily operate
> mobiles without any screen reader's assistance because only a
> partially sighted person can talk like this.
>
> Regards,
> Shyam
>
>
> On 12/9/16, P L VERMA  wrote:
>> also, the *99#  for not so smart phone walas like me
>>
>> - Original Message -
>> From: "Ashik" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Friday, December 09, 2016 4:35 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Dear Sir,
>>>
>>> You have mentioned some very commonly used apps above. People will more
>>> than happy to use them with your guidance. It's better for us that you
>>> make some audio tutorials on them. I have started using Paytm recently. I
>>> had to struggle a lot initially. But, if I had some tutorial on it, the
>>> task would have been much easier. You and some institutes like Saksham
>>> can
>>>
>>> do the job for the benefit of the blind who are not so techno-savvy.
>>>
>>> Thank you.
>>>
>>> Ashik Hirani
>>> 845998
>>> - Original Message -
>>> From: "Ajay Minocha" 
>>> To: "AccessIndia: a list for discussing accessibility and issues
>>> concerning the disabled." ; "bhawani
>>> shankar verma" 
>>> Sent: Thursday, December 08, 2016 4:48 PM
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>>
 Hi all,

 Happy to guide on BOB, HDFC, SBI and paytm

 Regards,
 Ajay

 Sent with AquaMail for Android
 http://www.aqua-mail.com


 On December 8, 2016 3:54:49 PM "bhawani shankar verma"
  wrote:

> agreed, accessible machines with speech technology is required. UPI
> interface is recently launched utility and it will get popularity soon
> as if
> the sender and recipient creates vertual address, they need not to
> disclose
> the account details. it will be more safe and secure as the disability
> is
> concerned.
>
>
>
> -Original Message-
> From: Zoher Kheriwala
> Sent: Thursday, December 08, 2016 11:21 AM
> To: AccessIndia: a list for discussing accessibility and issues
> concerning
> the disabled.
> Subject: Re: [AI] For Millions of Indians with Disabilities making
> online
> payments is tough call
>
> Dear Ajai,
> Generating a receipt by POS machine does not confirm the receipt of
> payment. Sometimes amount is deducted from customers account but
> transaction gets failed due to server problem. In above case the POS
> machine generates transaction failed receipt which we have to give to
> customer as a proof of unsuccessful transaction. We experience same
> thing on online payment as amount get deducted from our account but
> the online store does not receive the payment. This is very common
> with IRCTC web site.
> Bhawani sir, in today’s competitive market we have to give that
> payment options which are comfortable to customer, swiping the card is
> commonly accepted method of cashless transaction.
> .
>
> On 12/8/16, bhawani shankar verma  wrote:
>> they can give the customer his IFSC code and account number. the
>> customer
>> can transfer money instantly through UPI. as you quoted a small
>> business
>> owner, the transfer limit of Rs.1/- UPI limit should suffice the
>> matter.
>>
>> - Original Message -
>> From: "Zoher Kheriwala" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Wednesday, December 07, 2016 7:45 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>> online
>> payments is tough call
>>
>>
>>> Hi friends,
>>> till now this topic is discussed only from the point of view of blind
>>> customer or amount sender only. What about the small business runner
>>> who suffers from blindness?
>>> the swipe machine or POS machine installed in there shop is not at
>>> all
>>> accessible. Even you cant memorize the steps to accept the payment as
>>> the software of these machines are periodically updated due to
>>> security reasons, which makes the accepting process different with
>>> each update. Moreover some times due to card failure or network
>>> failure a blind shop owner does not come to know that whether the
>>> payment received successfully or not.
>>>

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[shyam sharma]

Hi all,
I think Mr. Ajay is a partially sighted person who can easily operate
mobiles without any screen reader's assistance because only a
partially sighted person can talk like this.

Regards,
Shyam


On 12/9/16, P L VERMA  wrote:
> also, the *99#  for not so smart phone walas like me
>
> - Original Message -
> From: "Ashik" 
> To: "AccessIndia: a list for discussing accessibility and issues concerning
> the disabled." 
> Sent: Friday, December 09, 2016 4:35 PM
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
>
>> Dear Sir,
>>
>> You have mentioned some very commonly used apps above. People will more
>> than happy to use them with your guidance. It's better for us that you
>> make some audio tutorials on them. I have started using Paytm recently. I
>> had to struggle a lot initially. But, if I had some tutorial on it, the
>> task would have been much easier. You and some institutes like Saksham can
>>
>> do the job for the benefit of the blind who are not so techno-savvy.
>>
>> Thank you.
>>
>> Ashik Hirani
>> 845998
>> - Original Message -
>> From: "Ajay Minocha" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning the disabled." ; "bhawani
>> shankar verma" 
>> Sent: Thursday, December 08, 2016 4:48 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Hi all,
>>>
>>> Happy to guide on BOB, HDFC, SBI and paytm
>>>
>>> Regards,
>>> Ajay
>>>
>>> Sent with AquaMail for Android
>>> http://www.aqua-mail.com
>>>
>>>
>>> On December 8, 2016 3:54:49 PM "bhawani shankar verma"
>>>  wrote:
>>>
 agreed, accessible machines with speech technology is required. UPI
 interface is recently launched utility and it will get popularity soon
 as if
 the sender and recipient creates vertual address, they need not to
 disclose
 the account details. it will be more safe and secure as the disability
 is
 concerned.



 -Original Message-
 From: Zoher Kheriwala
 Sent: Thursday, December 08, 2016 11:21 AM
 To: AccessIndia: a list for discussing accessibility and issues
 concerning
 the disabled.
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call

 Dear Ajai,
 Generating a receipt by POS machine does not confirm the receipt of
 payment. Sometimes amount is deducted from customers account but
 transaction gets failed due to server problem. In above case the POS
 machine generates transaction failed receipt which we have to give to
 customer as a proof of unsuccessful transaction. We experience same
 thing on online payment as amount get deducted from our account but
 the online store does not receive the payment. This is very common
 with IRCTC web site.
 Bhawani sir, in today’s competitive market we have to give that
 payment options which are comfortable to customer, swiping the card is
 commonly accepted method of cashless transaction.
 .

 On 12/8/16, bhawani shankar verma  wrote:
> they can give the customer his IFSC code and account number. the
> customer
> can transfer money instantly through UPI. as you quoted a small
> business
> owner, the transfer limit of Rs.1/- UPI limit should suffice the
> matter.
>
> - Original Message -
> From: "Zoher Kheriwala" 
> To: "AccessIndia: a list for discussing accessibility and issues
> concerning
> the disabled." 
> Sent: Wednesday, December 07, 2016 7:45 PM
> Subject: Re: [AI] For Millions of Indians with Disabilities making
> online
> payments is tough call
>
>
>> Hi friends,
>> till now this topic is discussed only from the point of view of blind
>> customer or amount sender only. What about the small business runner
>> who suffers from blindness?
>> the swipe machine or POS machine installed in there shop is not at all
>> accessible. Even you cant memorize the steps to accept the payment as
>> the software of these machines are periodically updated due to
>> security reasons, which makes the accepting process different with
>> each update. Moreover some times due to card failure or network
>> failure a blind shop owner does not come to know that whether the
>> payment received successfully or not.
>>
>> On 12/7/16, bhawani shankar verma  wrote:
>>> i suggest to use UPI app of your bank in particular. in my case it is
>>> pnb
>>> UPI app and is 90% accessible. Some buttons are to be labled
>>> 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[P L VERMA]

also, the *99#  for not so smart phone walas like me

- Original Message - 
From: "Ashik" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." 

Sent: Friday, December 09, 2016 4:35 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Dear Sir,

You have mentioned some very commonly used apps above. People will more 
than happy to use them with your guidance. It's better for us that you 
make some audio tutorials on them. I have started using Paytm recently. I 
had to struggle a lot initially. But, if I had some tutorial on it, the 
task would have been much easier. You and some institutes like Saksham can 
do the job for the benefit of the blind who are not so techno-savvy.


Thank you.

Ashik Hirani
845998
- Original Message - 
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues 
concerning the disabled." ; "bhawani 
shankar verma" 

Sent: Thursday, December 08, 2016 4:48 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Hi all,

Happy to guide on BOB, HDFC, SBI and paytm

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 3:54:49 PM "bhawani shankar verma" 
 wrote:



agreed, accessible machines with speech technology is required. UPI
interface is recently launched utility and it will get popularity soon 
as if
the sender and recipient creates vertual address, they need not to 
disclose
the account details. it will be more safe and secure as the disability 
is

concerned.



-Original Message-
From: Zoher Kheriwala
Sent: Thursday, December 08, 2016 11:21 AM
To: AccessIndia: a list for discussing accessibility and issues 
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call

Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:
they can give the customer his IFSC code and account number. the 
customer
can transfer money instantly through UPI. as you quoted a small 
business

owner, the transfer limit of Rs.1/- UPI limit should suffice the
matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is
pnb
UPI app and is 90% accessible. Some buttons are to be labled 
manually.

you
need not to register yourself for internet banking etc. you can 
register

it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call


Rightly said! I see it as an opportunity  for us to push for access 
to

all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ashik]

Yes, Sir. I suggested the same thing in my earlier mail.
- Original Message - 
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." ; "Chandrashekhar Kulkarni" 


Sent: Friday, December 09, 2016 10:47 AM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call



Hi I can try recording a basic podcast and then uploading it somewhere for 
the benefit of group members typing along mail may not be possible for me 
with all the steps in detail


Sent with AquaMail for Android
http://www.aqua-mail.com


On December 9, 2016 10:11:53 AM Chandrashekhar Kulkarni 
 wrote:



Dear List Members,
Of course it is a good initiative to spare his or her own time and to
help someone. But I would appreciate if members among us can send
mails on the list basic information regarding accessibility of
different UPI apps from VI point of view, basic steps to set up an app
and precautionary measures.
Sincerely,
C. B. Kulkarni

On 08/12/2016, Payal Kapoor  wrote:

you have your first student in me Ajay. does Sunday work for you?

On 12/8/16, Ajay Minocha  wrote:

Hi all,

Happy to guide on BOB, HDFC, SBI and paytm

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 3:54:49 PM "bhawani shankar verma"
 wrote:


agreed, accessible machines with speech technology is required. UPI
interface is recently launched utility and it will get popularity soon 
as

if
the sender and recipient creates vertual address, they need not to
disclose
the account details. it will be more safe and secure as the disability 
is

concerned.



-Original Message-
From: Zoher Kheriwala
Sent: Thursday, December 08, 2016 11:21 AM
To: AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call

Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:

they can give the customer his IFSC code and account number. the
customer
can transfer money instantly through UPI. as you quoted a small 
business

owner, the transfer limit of Rs.1/- UPI limit should suffice the
matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of 
blind

customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at 
all
accessible. Even you cant memorize the steps to accept the payment 
as

the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:
i suggest to use UPI app of your bank in particular. in my case it 
is

pnb
UPI app and is 90% accessible. Some buttons are to be labled 
manually.

you
need not to register yourself for internet banking etc. you can
register
it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call


Rightly said! I see it as an opportunity  for us to push for 
access

to
all

financial services including all websites, apps etc.

-Original 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ashik]

Dear Sir,

You have mentioned some very commonly used apps above. People will more than 
happy to use them with your guidance. It's better for us that you make some 
audio tutorials on them. I have started using Paytm recently. I had to 
struggle a lot initially. But, if I had some tutorial on it, the task would 
have been much easier. You and some institutes like Saksham can do the job 
for the benefit of the blind who are not so techno-savvy.


Thank you.

Ashik Hirani
845998
- Original Message - 
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." ; "bhawani shankar verma" 


Sent: Thursday, December 08, 2016 4:48 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Hi all,

Happy to guide on BOB, HDFC, SBI and paytm

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 3:54:49 PM "bhawani shankar verma" 
 wrote:



agreed, accessible machines with speech technology is required. UPI
interface is recently launched utility and it will get popularity soon as 
if
the sender and recipient creates vertual address, they need not to 
disclose

the account details. it will be more safe and secure as the disability is
concerned.



-Original Message-
From: Zoher Kheriwala
Sent: Thursday, December 08, 2016 11:21 AM
To: AccessIndia: a list for discussing accessibility and issues 
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call

Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:
they can give the customer his IFSC code and account number. the 
customer

can transfer money instantly through UPI. as you quoted a small business
owner, the transfer limit of Rs.1/- UPI limit should suffice the
matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is
pnb
UPI app and is 90% accessible. Some buttons are to be labled manually.
you
need not to register yourself for internet banking etc. you can 
register

it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call


Rightly said! I see it as an opportunity  for us to push for access 
to

all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hi I can try recording a basic podcast and then uploading it somewhere for 
the benefit of group members typing along mail may not be possible for me 
with all the steps in detail


Sent with AquaMail for Android
http://www.aqua-mail.com


On December 9, 2016 10:11:53 AM Chandrashekhar Kulkarni 
 wrote:



Dear List Members,
Of course it is a good initiative to spare his or her own time and to
help someone. But I would appreciate if members among us can send
mails on the list basic information regarding accessibility of
different UPI apps from VI point of view, basic steps to set up an app
and precautionary measures.
Sincerely,
C. B. Kulkarni

On 08/12/2016, Payal Kapoor  wrote:

you have your first student in me Ajay. does Sunday work for you?

On 12/8/16, Ajay Minocha  wrote:

Hi all,

Happy to guide on BOB, HDFC, SBI and paytm

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 3:54:49 PM "bhawani shankar verma"
 wrote:


agreed, accessible machines with speech technology is required. UPI
interface is recently launched utility and it will get popularity soon as
if
the sender and recipient creates vertual address, they need not to
disclose
the account details. it will be more safe and secure as the disability is
concerned.



-Original Message-
From: Zoher Kheriwala
Sent: Thursday, December 08, 2016 11:21 AM
To: AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call

Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:

they can give the customer his IFSC code and account number. the
customer
can transfer money instantly through UPI. as you quoted a small business
owner, the transfer limit of Rs.1/- UPI limit should suffice the
matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is
pnb
UPI app and is 90% accessible. Some buttons are to be labled manually.
you
need not to register yourself for internet banking etc. you can
register
it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call



Rightly said! I see it as an opportunity  for us to push for access
to
all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Chandrashekhar Kulkarni]

Dear List Members,
Of course it is a good initiative to spare his or her own time and to
help someone. But I would appreciate if members among us can send
mails on the list basic information regarding accessibility of
different UPI apps from VI point of view, basic steps to set up an app
and precautionary measures.
Sincerely,
C. B. Kulkarni

On 08/12/2016, Payal Kapoor  wrote:
> you have your first student in me Ajay. does Sunday work for you?
>
> On 12/8/16, Ajay Minocha  wrote:
>> Hi all,
>>
>> Happy to guide on BOB, HDFC, SBI and paytm
>>
>> Regards,
>> Ajay
>>
>> Sent with AquaMail for Android
>> http://www.aqua-mail.com
>>
>>
>> On December 8, 2016 3:54:49 PM "bhawani shankar verma"
>>  wrote:
>>
>>> agreed, accessible machines with speech technology is required. UPI
>>> interface is recently launched utility and it will get popularity soon as
>>> if
>>> the sender and recipient creates vertual address, they need not to
>>> disclose
>>> the account details. it will be more safe and secure as the disability is
>>> concerned.
>>>
>>>
>>>
>>> -Original Message-
>>> From: Zoher Kheriwala
>>> Sent: Thursday, December 08, 2016 11:21 AM
>>> To: AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>> the disabled.
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>> Dear Ajai,
>>> Generating a receipt by POS machine does not confirm the receipt of
>>> payment. Sometimes amount is deducted from customers account but
>>> transaction gets failed due to server problem. In above case the POS
>>> machine generates transaction failed receipt which we have to give to
>>> customer as a proof of unsuccessful transaction. We experience same
>>> thing on online payment as amount get deducted from our account but
>>> the online store does not receive the payment. This is very common
>>> with IRCTC web site.
>>> Bhawani sir, in today’s competitive market we have to give that
>>> payment options which are comfortable to customer, swiping the card is
>>> commonly accepted method of cashless transaction.
>>> .
>>>
>>> On 12/8/16, bhawani shankar verma  wrote:
 they can give the customer his IFSC code and account number. the
 customer
 can transfer money instantly through UPI. as you quoted a small business
 owner, the transfer limit of Rs.1/- UPI limit should suffice the
 matter.

 - Original Message -
 From: "Zoher Kheriwala" 
 To: "AccessIndia: a list for discussing accessibility and issues
 concerning
 the disabled." 
 Sent: Wednesday, December 07, 2016 7:45 PM
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call


> Hi friends,
> till now this topic is discussed only from the point of view of blind
> customer or amount sender only. What about the small business runner
> who suffers from blindness?
> the swipe machine or POS machine installed in there shop is not at all
> accessible. Even you cant memorize the steps to accept the payment as
> the software of these machines are periodically updated due to
> security reasons, which makes the accepting process different with
> each update. Moreover some times due to card failure or network
> failure a blind shop owner does not come to know that whether the
> payment received successfully or not.
>
> On 12/7/16, bhawani shankar verma  wrote:
>> i suggest to use UPI app of your bank in particular. in my case it is
>> pnb
>> UPI app and is 90% accessible. Some buttons are to be labled manually.
>> you
>> need not to register yourself for internet banking etc. you can
>> register
>> it
>> through your linked mobile number, and debit card with a particular
>> account.
>> the maximum limit is rs.1/- through this mode.
>>
>> - Original Message -
>> From: "George Abraham" 
>> To: "'AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.'" 
>> Sent: Wednesday, December 07, 2016 3:36 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>> online
>> payments is tough call
>>
>>
>>> Rightly said! I see it as an opportunity  for us to push for access
>>> to
>>> all
>>>
>>> financial services including all websites, apps etc.
>>>
>>> -Original Message-
>>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>>> Behalf Of Leikhu Laishram Leingakpa
>>> Sent: 07 December 2016 14:03
>>> To: AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>>
>>> the disabled.

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Yes Ma'am,

Do contact on my number given in the signature below this email.

Regards,
Ajay

On 12/8/16, Payal Kapoor  wrote:
> you have your first student in me Ajay. does Sunday work for you?
>
> On 12/8/16, Ajay Minocha  wrote:
>> Hi all,
>>
>> Happy to guide on BOB, HDFC, SBI and paytm
>>
>> Regards,
>> Ajay
>>
>> Sent with AquaMail for Android
>> http://www.aqua-mail.com
>>
>>
>> On December 8, 2016 3:54:49 PM "bhawani shankar verma"
>>  wrote:
>>
>>> agreed, accessible machines with speech technology is required. UPI
>>> interface is recently launched utility and it will get popularity soon as
>>> if
>>> the sender and recipient creates vertual address, they need not to
>>> disclose
>>> the account details. it will be more safe and secure as the disability is
>>> concerned.
>>>
>>>
>>>
>>> -Original Message-
>>> From: Zoher Kheriwala
>>> Sent: Thursday, December 08, 2016 11:21 AM
>>> To: AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>> the disabled.
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>> Dear Ajai,
>>> Generating a receipt by POS machine does not confirm the receipt of
>>> payment. Sometimes amount is deducted from customers account but
>>> transaction gets failed due to server problem. In above case the POS
>>> machine generates transaction failed receipt which we have to give to
>>> customer as a proof of unsuccessful transaction. We experience same
>>> thing on online payment as amount get deducted from our account but
>>> the online store does not receive the payment. This is very common
>>> with IRCTC web site.
>>> Bhawani sir, in today’s competitive market we have to give that
>>> payment options which are comfortable to customer, swiping the card is
>>> commonly accepted method of cashless transaction.
>>> .
>>>
>>> On 12/8/16, bhawani shankar verma  wrote:
 they can give the customer his IFSC code and account number. the
 customer
 can transfer money instantly through UPI. as you quoted a small business
 owner, the transfer limit of Rs.1/- UPI limit should suffice the
 matter.

 - Original Message -
 From: "Zoher Kheriwala" 
 To: "AccessIndia: a list for discussing accessibility and issues
 concerning
 the disabled." 
 Sent: Wednesday, December 07, 2016 7:45 PM
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call


> Hi friends,
> till now this topic is discussed only from the point of view of blind
> customer or amount sender only. What about the small business runner
> who suffers from blindness?
> the swipe machine or POS machine installed in there shop is not at all
> accessible. Even you cant memorize the steps to accept the payment as
> the software of these machines are periodically updated due to
> security reasons, which makes the accepting process different with
> each update. Moreover some times due to card failure or network
> failure a blind shop owner does not come to know that whether the
> payment received successfully or not.
>
> On 12/7/16, bhawani shankar verma  wrote:
>> i suggest to use UPI app of your bank in particular. in my case it is
>> pnb
>> UPI app and is 90% accessible. Some buttons are to be labled manually.
>> you
>> need not to register yourself for internet banking etc. you can
>> register
>> it
>> through your linked mobile number, and debit card with a particular
>> account.
>> the maximum limit is rs.1/- through this mode.
>>
>> - Original Message -
>> From: "George Abraham" 
>> To: "'AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.'" 
>> Sent: Wednesday, December 07, 2016 3:36 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>> online
>> payments is tough call
>>
>>
>>> Rightly said! I see it as an opportunity  for us to push for access
>>> to
>>> all
>>>
>>> financial services including all websites, apps etc.
>>>
>>> -Original Message-
>>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>>> Behalf Of Leikhu Laishram Leingakpa
>>> Sent: 07 December 2016 14:03
>>> To: AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>>
>>> the disabled.
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>>> online
>>> payments is tough call
>>>
>>> Dear all
>>> Of course every blind or visually impaired are not literate or tech
>>> sabby. This is the case 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Payal Kapoor]

you have your first student in me Ajay. does Sunday work for you?

On 12/8/16, Ajay Minocha  wrote:
> Hi all,
>
> Happy to guide on BOB, HDFC, SBI and paytm
>
> Regards,
> Ajay
>
> Sent with AquaMail for Android
> http://www.aqua-mail.com
>
>
> On December 8, 2016 3:54:49 PM "bhawani shankar verma"
>  wrote:
>
>> agreed, accessible machines with speech technology is required. UPI
>> interface is recently launched utility and it will get popularity soon as
>> if
>> the sender and recipient creates vertual address, they need not to
>> disclose
>> the account details. it will be more safe and secure as the disability is
>> concerned.
>>
>>
>>
>> -Original Message-
>> From: Zoher Kheriwala
>> Sent: Thursday, December 08, 2016 11:21 AM
>> To: AccessIndia: a list for discussing accessibility and issues concerning
>> the disabled.
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>> Dear Ajai,
>> Generating a receipt by POS machine does not confirm the receipt of
>> payment. Sometimes amount is deducted from customers account but
>> transaction gets failed due to server problem. In above case the POS
>> machine generates transaction failed receipt which we have to give to
>> customer as a proof of unsuccessful transaction. We experience same
>> thing on online payment as amount get deducted from our account but
>> the online store does not receive the payment. This is very common
>> with IRCTC web site.
>> Bhawani sir, in today’s competitive market we have to give that
>> payment options which are comfortable to customer, swiping the card is
>> commonly accepted method of cashless transaction.
>> .
>>
>> On 12/8/16, bhawani shankar verma  wrote:
>>> they can give the customer his IFSC code and account number. the customer
>>> can transfer money instantly through UPI. as you quoted a small business
>>> owner, the transfer limit of Rs.1/- UPI limit should suffice the
>>> matter.
>>>
>>> - Original Message -
>>> From: "Zoher Kheriwala" 
>>> To: "AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>> the disabled." 
>>> Sent: Wednesday, December 07, 2016 7:45 PM
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>>
 Hi friends,
 till now this topic is discussed only from the point of view of blind
 customer or amount sender only. What about the small business runner
 who suffers from blindness?
 the swipe machine or POS machine installed in there shop is not at all
 accessible. Even you cant memorize the steps to accept the payment as
 the software of these machines are periodically updated due to
 security reasons, which makes the accepting process different with
 each update. Moreover some times due to card failure or network
 failure a blind shop owner does not come to know that whether the
 payment received successfully or not.

 On 12/7/16, bhawani shankar verma  wrote:
> i suggest to use UPI app of your bank in particular. in my case it is
> pnb
> UPI app and is 90% accessible. Some buttons are to be labled manually.
> you
> need not to register yourself for internet banking etc. you can
> register
> it
> through your linked mobile number, and debit card with a particular
> account.
> the maximum limit is rs.1/- through this mode.
>
> - Original Message -
> From: "George Abraham" 
> To: "'AccessIndia: a list for discussing accessibility and issues
> concerning
> the disabled.'" 
> Sent: Wednesday, December 07, 2016 3:36 PM
> Subject: Re: [AI] For Millions of Indians with Disabilities making
> online
> payments is tough call
>
>
>> Rightly said! I see it as an opportunity  for us to push for access to
>> all
>>
>> financial services including all websites, apps etc.
>>
>> -Original Message-
>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>> Behalf Of Leikhu Laishram Leingakpa
>> Sent: 07 December 2016 14:03
>> To: AccessIndia: a list for discussing accessibility and issues
>> concerning
>>
>> the disabled.
>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>> online
>> payments is tough call
>>
>> Dear all
>> Of course every blind or visually impaired are not literate or tech
>> sabby. This is the case with the non-disabled people too. Moreover
>> cashless is not going to happen overnight. But there are many among us
>> who are familiar with cashless system and can use without any
>> difficulty. So the debate should be how to make the system accessible
>> and how to 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hi all,

Happy to guide on BOB, HDFC, SBI and paytm

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 3:54:49 PM "bhawani shankar verma" 
 wrote:



agreed, accessible machines with speech technology is required. UPI
interface is recently launched utility and it will get popularity soon as if
the sender and recipient creates vertual address, they need not to disclose
the account details. it will be more safe and secure as the disability is
concerned.



-Original Message-
From: Zoher Kheriwala
Sent: Thursday, December 08, 2016 11:21 AM
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call

Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:

they can give the customer his IFSC code and account number. the customer
can transfer money instantly through UPI. as you quoted a small business
owner, the transfer limit of Rs.1/- UPI limit should suffice the
matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is
pnb
UPI app and is 90% accessible. Some buttons are to be labled manually.
you
need not to register yourself for internet banking etc. you can register
it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call



Rightly said! I see it as an opportunity  for us to push for access to
all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards embracing
the
change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham" 
wrote:


Ajay,

The point is well made. But the point to be noted is that millions of
blind
people in India are 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[bhawani shankar verma]

agreed, accessible machines with speech technology is required. UPI 
interface is recently launched utility and it will get popularity soon as if 
the sender and recipient creates vertual address, they need not to disclose 
the account details. it will be more safe and secure as the disability is 
concerned.




-Original Message- 
From: Zoher Kheriwala

Sent: Thursday, December 08, 2016 11:21 AM
To: AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:

they can give the customer his IFSC code and account number. the customer
can transfer money instantly through UPI. as you quoted a small business
owner, the transfer limit of Rs.1/- UPI limit should suffice the 
matter.


- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues 
concerning

the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:
i suggest to use UPI app of your bank in particular. in my case it is 
pnb

UPI app and is 90% accessible. Some buttons are to be labled manually.
you
need not to register yourself for internet banking etc. you can register
it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call



Rightly said! I see it as an opportunity  for us to push for access to
all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards embracing
the
change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham" 
wrote:


Ajay,

The point is well made. But the point to be noted is that millions of
blind
people in India are not computer/tech literate. Most banking
facilities
are
inaccessible and many banks still do not easily provide banking
facilities

to blind people. Alongside pushing the cashless system, it is

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[bhawani shankar verma]

each individual having different bank accounts, debit card, credit card, net 
banking password, pin numbers,  in different banks and the interface of 
internet banking and payment gateways are not same. how a training can be 
arrange to trained online transactions.




-Original Message- 
From: Chandrashekhar Kulkarni

Sent: Thursday, December 08, 2016 2:12 PM
To: AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


Dear List Members,
Good discussion indeed. It seems that we shoould insist on making
majority of the on-line payment options aaccessible for us, at least
who are aware of technology to some extent and not only to the
experts. Further as pointed by  one of the members, even the swiping
machines need to be made accessible so as to protect the interests of
small business units run by our brothers and sisters.
I would suggest some experts on the list can initiate the training on
different on-line payment options which will not only be useful to us
but may help others who are completely unaware or less aware. Only
thing the language should be simple and description should be step by
step.
Sincerely,
C. B. Kulkarni

On 08/12/2016, Ajay Minocha  wrote:

yes but ifI sell a common product then the customer wouldnt take that much
pain only for me. Even in paytm it is very easy as the customer has to 
just

scan the qr code.

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 7:11:53 AM "bhawani shankar verma"
 wrote:


they can give the customer his IFSC code and account number. the customer
can transfer money instantly through UPI. as you quoted a small business
owner, the transfer limit of Rs.1/- UPI limit should suffice the
matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is
pnb
UPI app and is 90% accessible. Some buttons are to be labled manually.
you
need not to register yourself for internet banking etc. you can 
register

it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call



Rightly said! I see it as an opportunity  for us to push for access to
all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards 
embracing

the
change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham" 
wrote:


Ajay,

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Chandrashekhar Kulkarni]

Dear List Members,
Good discussion indeed. It seems that we shoould insist on making
majority of the on-line payment options aaccessible for us, at least
who are aware of technology to some extent and not only to the
experts. Further as pointed by  one of the members, even the swiping
machines need to be made accessible so as to protect the interests of
small business units run by our brothers and sisters.
I would suggest some experts on the list can initiate the training on
different on-line payment options which will not only be useful to us
but may help others who are completely unaware or less aware. Only
thing the language should be simple and description should be step by
step.
Sincerely,
C. B. Kulkarni

On 08/12/2016, Ajay Minocha  wrote:
> yes but ifI sell a common product then the customer wouldnt take that much
> pain only for me. Even in paytm it is very easy as the customer has to just
> scan the qr code.
>
> Sent with AquaMail for Android
> http://www.aqua-mail.com
>
>
> On December 8, 2016 7:11:53 AM "bhawani shankar verma"
>  wrote:
>
>> they can give the customer his IFSC code and account number. the customer
>> can transfer money instantly through UPI. as you quoted a small business
>> owner, the transfer limit of Rs.1/- UPI limit should suffice the
>> matter.
>>
>> - Original Message -
>> From: "Zoher Kheriwala" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Wednesday, December 07, 2016 7:45 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Hi friends,
>>> till now this topic is discussed only from the point of view of blind
>>> customer or amount sender only. What about the small business runner
>>> who suffers from blindness?
>>> the swipe machine or POS machine installed in there shop is not at all
>>> accessible. Even you cant memorize the steps to accept the payment as
>>> the software of these machines are periodically updated due to
>>> security reasons, which makes the accepting process different with
>>> each update. Moreover some times due to card failure or network
>>> failure a blind shop owner does not come to know that whether the
>>> payment received successfully or not.
>>>
>>> On 12/7/16, bhawani shankar verma  wrote:
 i suggest to use UPI app of your bank in particular. in my case it is
 pnb
 UPI app and is 90% accessible. Some buttons are to be labled manually.
 you
 need not to register yourself for internet banking etc. you can register
 it
 through your linked mobile number, and debit card with a particular
 account.
 the maximum limit is rs.1/- through this mode.

 - Original Message -
 From: "George Abraham" 
 To: "'AccessIndia: a list for discussing accessibility and issues
 concerning
 the disabled.'" 
 Sent: Wednesday, December 07, 2016 3:36 PM
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call


> Rightly said! I see it as an opportunity  for us to push for access to
> all
>
> financial services including all websites, apps etc.
>
> -Original Message-
> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
> Behalf Of Leikhu Laishram Leingakpa
> Sent: 07 December 2016 14:03
> To: AccessIndia: a list for discussing accessibility and issues
> concerning
>
> the disabled.
> Subject: Re: [AI] For Millions of Indians with Disabilities making
> online
> payments is tough call
>
> Dear all
> Of course every blind or visually impaired are not literate or tech
> sabby. This is the case with the non-disabled people too. Moreover
> cashless is not going to happen overnight. But there are many among us
> who are familiar with cashless system and can use without any
> difficulty. So the debate should be how to make the system accessible
> and how to remove the administrative bottleneck and proper
> implementation of the programmes and policies. Just take the instances
> of denial of ATM card and cheque facilities by various bank branches.
>
> Leikhu Laishram
>
>
> On 12/7/16, Ajay Minocha  wrote:
>> Hey George sir,
>>
>> I completely agree but my main concern is the denial towards embracing
>> the
>> change by those who are teck literate.
>>
>> Regards,
>> Ajay
>>
>> Sent with AquaMail for Android
>> http://www.aqua-mail.com
>>
>>
>> On December 7, 2016 7:11:32 AM "George Abraham" 
>> wrote:
>>
>>> Ajay,
>>>
>>> The point is well made. But the point to be noted 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

yes but ifI sell a common product then the customer wouldnt take that much 
pain only for me. Even in paytm it is very easy as the customer has to just 
scan the qr code.


Sent with AquaMail for Android
http://www.aqua-mail.com


On December 8, 2016 7:11:53 AM "bhawani shankar verma" 
 wrote:



they can give the customer his IFSC code and account number. the customer
can transfer money instantly through UPI. as you quoted a small business
owner, the transfer limit of Rs.1/- UPI limit should suffice the matter.

- Original Message -
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues concerning
the disabled." 
Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call



Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is pnb
UPI app and is 90% accessible. Some buttons are to be labled manually.
you
need not to register yourself for internet banking etc. you can register
it
through your linked mobile number, and debit card with a particular
account.
the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues
concerning
the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call



Rightly said! I see it as an opportunity  for us to push for access to
all

financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards embracing
the
change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham" 
wrote:


Ajay,

The point is well made. But the point to be noted is that millions of
blind
people in India are not computer/tech literate. Most banking
facilities
are
inaccessible and many banks still do not easily provide banking
facilities

to blind people. Alongside pushing the cashless system, it is
important
to

empower the blind individual, and make accessible the tools of the
cashless
economy and banks have to start engaging with blind customers. The
switch
is not quite that simple. This cashless economy makes it all the more
critical that Digital India becomes accessible.

Regards,

George


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Ajay Minocha
Sent: 06 December 2016 23:54
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Zoher Kheriwala]

Dear Ajai,
Generating a receipt by POS machine does not confirm the receipt of
payment. Sometimes amount is deducted from customers account but
transaction gets failed due to server problem. In above case the POS
machine generates transaction failed receipt which we have to give to
customer as a proof of unsuccessful transaction. We experience same
thing on online payment as amount get deducted from our account but
the online store does not receive the payment. This is very common
with IRCTC web site.
Bhawani sir, in today’s competitive market we have to give that
payment options which are comfortable to customer, swiping the card is
commonly accepted method of cashless transaction.
.

On 12/8/16, bhawani shankar verma  wrote:
> they can give the customer his IFSC code and account number. the customer
> can transfer money instantly through UPI. as you quoted a small business
> owner, the transfer limit of Rs.1/- UPI limit should suffice the matter.
>
> - Original Message -
> From: "Zoher Kheriwala" 
> To: "AccessIndia: a list for discussing accessibility and issues concerning
> the disabled." 
> Sent: Wednesday, December 07, 2016 7:45 PM
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
>
>> Hi friends,
>> till now this topic is discussed only from the point of view of blind
>> customer or amount sender only. What about the small business runner
>> who suffers from blindness?
>> the swipe machine or POS machine installed in there shop is not at all
>> accessible. Even you cant memorize the steps to accept the payment as
>> the software of these machines are periodically updated due to
>> security reasons, which makes the accepting process different with
>> each update. Moreover some times due to card failure or network
>> failure a blind shop owner does not come to know that whether the
>> payment received successfully or not.
>>
>> On 12/7/16, bhawani shankar verma  wrote:
>>> i suggest to use UPI app of your bank in particular. in my case it is pnb
>>> UPI app and is 90% accessible. Some buttons are to be labled manually.
>>> you
>>> need not to register yourself for internet banking etc. you can register
>>> it
>>> through your linked mobile number, and debit card with a particular
>>> account.
>>> the maximum limit is rs.1/- through this mode.
>>>
>>> - Original Message -
>>> From: "George Abraham" 
>>> To: "'AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>> the disabled.'" 
>>> Sent: Wednesday, December 07, 2016 3:36 PM
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>>
 Rightly said! I see it as an opportunity  for us to push for access to
 all

 financial services including all websites, apps etc.

 -Original Message-
 From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
 Behalf Of Leikhu Laishram Leingakpa
 Sent: 07 December 2016 14:03
 To: AccessIndia: a list for discussing accessibility and issues
 concerning

 the disabled.
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call

 Dear all
 Of course every blind or visually impaired are not literate or tech
 sabby. This is the case with the non-disabled people too. Moreover
 cashless is not going to happen overnight. But there are many among us
 who are familiar with cashless system and can use without any
 difficulty. So the debate should be how to make the system accessible
 and how to remove the administrative bottleneck and proper
 implementation of the programmes and policies. Just take the instances
 of denial of ATM card and cheque facilities by various bank branches.

 Leikhu Laishram


 On 12/7/16, Ajay Minocha  wrote:
> Hey George sir,
>
> I completely agree but my main concern is the denial towards embracing
> the
> change by those who are teck literate.
>
> Regards,
> Ajay
>
> Sent with AquaMail for Android
> http://www.aqua-mail.com
>
>
> On December 7, 2016 7:11:32 AM "George Abraham" 
> wrote:
>
>> Ajay,
>>
>> The point is well made. But the point to be noted is that millions of
>> blind
>> people in India are not computer/tech literate. Most banking
>> facilities
>> are
>> inaccessible and many banks still do not easily provide banking
>> facilities
>>
>> to blind people. Alongside pushing the cashless system, it is
>> important
>> to
>>
>> empower the blind individual, and make accessible the tools of the
>> cashless
>> economy and banks have to start 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[bhawani shankar verma]

they can give the customer his IFSC code and account number. the customer 
can transfer money instantly through UPI. as you quoted a small business 
owner, the transfer limit of Rs.1/- UPI limit should suffice the matter.


- Original Message - 
From: "Zoher Kheriwala" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." 

Sent: Wednesday, December 07, 2016 7:45 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:

i suggest to use UPI app of your bank in particular. in my case it is pnb
UPI app and is 90% accessible. Some buttons are to be labled manually. 
you
need not to register yourself for internet banking etc. you can register 
it
through your linked mobile number, and debit card with a particular 
account.

the maximum limit is rs.1/- through this mode.

- Original Message -
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues 
concerning

the disabled.'" 
Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call


Rightly said! I see it as an opportunity  for us to push for access to 
all


financial services including all websites, apps etc.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues 
concerning


the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards embracing
the
change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham" 
wrote:


Ajay,

The point is well made. But the point to be noted is that millions of
blind
people in India are not computer/tech literate. Most banking 
facilities

are
inaccessible and many banks still do not easily provide banking
facilities

to blind people. Alongside pushing the cashless system, it is 
important

to

empower the blind individual, and make accessible the tools of the
cashless
economy and banks have to start engaging with blind customers. The
switch
is not quite that simple. This cashless economy makes it all the more
critical that Digital India becomes accessible.

Regards,

George


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Ajay Minocha
Sent: 06 December 2016 23:54
To: AccessIndia: a list for discussing accessibility and issues
concerning

the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making
online
payments is tough call

Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hi Zoher,

Very well said! It is indeed problematic for a visually impaired shop
owner to operate a POS machine. Such business operators are stuck in
the midway, They can neither go on a cash-only mode nore can they
operate the machines. Have heard that Paytm has recently launched a
POS system, It can surely prove a boon for such business operators.
One quick question, isn't the receipt we get from the POS machine a
reliable source of varifying that the payment has indeed been
received? because you don't get slips in case of a failed transaction.
Guys would urge any business owners to contribute!

Regards,
Ajay

On 12/7/16, Zoher Kheriwala  wrote:
> Hi friends,
> till now this topic is discussed only from the point of view of blind
> customer or amount sender only. What about the small business runner
> who suffers from blindness?
> the swipe machine or POS machine installed in there shop is not at all
> accessible. Even you cant memorize the steps to accept the payment as
> the software of these machines are periodically updated due to
> security reasons, which makes the accepting process different with
> each update. Moreover some times due to card failure or network
> failure a blind shop owner does not come to know that whether the
> payment received successfully or not.
>
> On 12/7/16, bhawani shankar verma  wrote:
>> i suggest to use UPI app of your bank in particular. in my case it is pnb
>> UPI app and is 90% accessible. Some buttons are to be labled manually. you
>> need not to register yourself for internet banking etc. you can register
>> it
>> through your linked mobile number, and debit card with a particular
>> account.
>> the maximum limit is rs.1/- through this mode.
>>
>> - Original Message -
>> From: "George Abraham" 
>> To: "'AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.'" 
>> Sent: Wednesday, December 07, 2016 3:36 PM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Rightly said! I see it as an opportunity  for us to push for access to
>>> all
>>>
>>> financial services including all websites, apps etc.
>>>
>>> -Original Message-
>>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>>> Behalf Of Leikhu Laishram Leingakpa
>>> Sent: 07 December 2016 14:03
>>> To: AccessIndia: a list for discussing accessibility and issues
>>> concerning
>>>
>>> the disabled.
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>> Dear all
>>> Of course every blind or visually impaired are not literate or tech
>>> sabby. This is the case with the non-disabled people too. Moreover
>>> cashless is not going to happen overnight. But there are many among us
>>> who are familiar with cashless system and can use without any
>>> difficulty. So the debate should be how to make the system accessible
>>> and how to remove the administrative bottleneck and proper
>>> implementation of the programmes and policies. Just take the instances
>>> of denial of ATM card and cheque facilities by various bank branches.
>>>
>>> Leikhu Laishram
>>>
>>>
>>> On 12/7/16, Ajay Minocha  wrote:
 Hey George sir,

 I completely agree but my main concern is the denial towards embracing
 the
 change by those who are teck literate.

 Regards,
 Ajay

 Sent with AquaMail for Android
 http://www.aqua-mail.com


 On December 7, 2016 7:11:32 AM "George Abraham" 
 wrote:

> Ajay,
>
> The point is well made. But the point to be noted is that millions of
> blind
> people in India are not computer/tech literate. Most banking facilities
> are
> inaccessible and many banks still do not easily provide banking
> facilities
>
> to blind people. Alongside pushing the cashless system, it is important
> to
>
> empower the blind individual, and make accessible the tools of the
> cashless
> economy and banks have to start engaging with blind customers. The
> switch
> is not quite that simple. This cashless economy makes it all the more
> critical that Digital India becomes accessible.
>
> Regards,
>
> George
>
>
> -Original Message-
> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
> Behalf
> Of Ajay Minocha
> Sent: 06 December 2016 23:54
> To: AccessIndia: a list for discussing accessibility and issues
> concerning
>
> the disabled.
> Subject: Re: [AI] For Millions of Indians with Disabilities making
> online
> payments is tough call
>
> Hi sir,
>
> Let’s not debate on the advantages and disadvantages of cash and
> without cash payment systems. As an academician, it’s 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Zoher Kheriwala]

Hi friends,
till now this topic is discussed only from the point of view of blind
customer or amount sender only. What about the small business runner
who suffers from blindness?
the swipe machine or POS machine installed in there shop is not at all
accessible. Even you cant memorize the steps to accept the payment as
the software of these machines are periodically updated due to
security reasons, which makes the accepting process different with
each update. Moreover some times due to card failure or network
failure a blind shop owner does not come to know that whether the
payment received successfully or not.

On 12/7/16, bhawani shankar verma  wrote:
> i suggest to use UPI app of your bank in particular. in my case it is pnb
> UPI app and is 90% accessible. Some buttons are to be labled manually. you
> need not to register yourself for internet banking etc. you can register it
> through your linked mobile number, and debit card with a particular account.
> the maximum limit is rs.1/- through this mode.
>
> - Original Message -
> From: "George Abraham" 
> To: "'AccessIndia: a list for discussing accessibility and issues concerning
> the disabled.'" 
> Sent: Wednesday, December 07, 2016 3:36 PM
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
>
>> Rightly said! I see it as an opportunity  for us to push for access to all
>>
>> financial services including all websites, apps etc.
>>
>> -Original Message-
>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>> Behalf Of Leikhu Laishram Leingakpa
>> Sent: 07 December 2016 14:03
>> To: AccessIndia: a list for discussing accessibility and issues concerning
>>
>> the disabled.
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>> Dear all
>> Of course every blind or visually impaired are not literate or tech
>> sabby. This is the case with the non-disabled people too. Moreover
>> cashless is not going to happen overnight. But there are many among us
>> who are familiar with cashless system and can use without any
>> difficulty. So the debate should be how to make the system accessible
>> and how to remove the administrative bottleneck and proper
>> implementation of the programmes and policies. Just take the instances
>> of denial of ATM card and cheque facilities by various bank branches.
>>
>> Leikhu Laishram
>>
>>
>> On 12/7/16, Ajay Minocha  wrote:
>>> Hey George sir,
>>>
>>> I completely agree but my main concern is the denial towards embracing
>>> the
>>> change by those who are teck literate.
>>>
>>> Regards,
>>> Ajay
>>>
>>> Sent with AquaMail for Android
>>> http://www.aqua-mail.com
>>>
>>>
>>> On December 7, 2016 7:11:32 AM "George Abraham" 
>>> wrote:
>>>
 Ajay,

 The point is well made. But the point to be noted is that millions of
 blind
 people in India are not computer/tech literate. Most banking facilities
 are
 inaccessible and many banks still do not easily provide banking
 facilities

 to blind people. Alongside pushing the cashless system, it is important
 to

 empower the blind individual, and make accessible the tools of the
 cashless
 economy and banks have to start engaging with blind customers. The
 switch
 is not quite that simple. This cashless economy makes it all the more
 critical that Digital India becomes accessible.

 Regards,

 George


 -Original Message-
 From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
 Behalf
 Of Ajay Minocha
 Sent: 06 December 2016 23:54
 To: AccessIndia: a list for discussing accessibility and issues
 concerning

 the disabled.
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call

 Hi sir,

 Let’s not debate on the advantages and disadvantages of cash and
 without cash payment systems. As an academician, it’s your
 responsibility to see the positive side of the fast and ever-changing
 society and impart that knowledge to your students. I still remember
 that example shared on our own list regarding the introduction of
 computers in government organisations. Though there are people who are
 happy to have a free lunch at their workplace but there also exists a
 bunch of individuals who have achieved spectacular growth in their
 careers using the same technology. Go to the office environment of
 20/25 years ago and you wouldn’t be able to imagine a blind person at
 a post higher than a typist/ telephone operator. According to me,
 every big change comes with a pain but the pain is worth it at the
 end. I have no intentions of arguing with a senior member but as a
 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[bhawani shankar verma]

i suggest to use UPI app of your bank in particular. in my case it is pnb 
UPI app and is 90% accessible. Some buttons are to be labled manually. you 
need not to register yourself for internet banking etc. you can register it 
through your linked mobile number, and debit card with a particular account. 
the maximum limit is rs.1/- through this mode.


- Original Message - 
From: "George Abraham" 
To: "'AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.'" 

Sent: Wednesday, December 07, 2016 3:36 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call



Rightly said! I see it as an opportunity  for us to push for access to all 
financial services including all websites, apps etc.


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On 
Behalf Of Leikhu Laishram Leingakpa

Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:

Hey George sir,

I completely agree but my main concern is the denial towards embracing 
the

change by those who are teck literate.

Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham"  
wrote:



Ajay,

The point is well made. But the point to be noted is that millions of
blind
people in India are not computer/tech literate. Most banking facilities
are
inaccessible and many banks still do not easily provide banking 
facilities


to blind people. Alongside pushing the cashless system, it is important 
to


empower the blind individual, and make accessible the tools of the
cashless
economy and banks have to start engaging with blind customers. The 
switch

is not quite that simple. This cashless economy makes it all the more
critical that Digital India becomes accessible.

Regards,

George


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf
Of Ajay Minocha
Sent: 06 December 2016 23:54
To: AccessIndia: a list for discussing accessibility and issues 
concerning


the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call

Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change comes with a pain but the pain is worth it at the
end. I have no intentions of arguing with a senior member but as a
list member I feel that a right message must be given to the younger
generation who considers this list to be the primary source of
information.

Regards,
Ajay


On 12/6/16, Chandrashekhar Kulkarni  
wrote:

Dear list memberss,
A very interesting and close to heart topic in the present
circumstances. According to me the problem is more severe for totally
blind persons. Today there is a loud cry for going in for paperless
currency, but has the government really thought about the needs of
differently abled persons or the Hon. Prime Minister and his ministry
really think that Divyang persons have a Divyang which takes them out
of any problems? The Government must think of persons like us not only
from the point of view of accessibility but also from safety and
security.
Sincerely,
C. B. Kulkkarni

On 06/12/2016, Shyam M. Sayanekar  wrote:
Ok Ajay, you say it is half full and I will say it is half empty. It 
is

easy
to quote proverbs and sayings, but practical difficulties do not get
solved
by quoting 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Niranjanraj Urs]

On 12/7/16, Shyam M. Sayanekar  wrote:
> Mr. Ajay, now both Chandrashekhar Kulkarni and myself will come to you to
> sit at your feet to learn our responsibilities as academicians. Thanks
> - Original Message -
> From: "Ajay Minocha" 
> To: "AccessIndia: a list for discussing accessibility and issues concerning
> the disabled." 
> Sent: Tuesday, December 06, 2016 11:53 PM
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
>
>> Hi sir,
>>
>> Let’s not debate on the advantages and disadvantages of cash and
>> without cash payment systems. As an academician, it’s your
>> responsibility to see the positive side of the fast and ever-changing
>> society and impart that knowledge to your students. I still remember
>> that example shared on our own list regarding the introduction of
>> computers in government organisations. Though there are people who are
>> happy to have a free lunch at their workplace but there also exists a
>> bunch of individuals who have achieved spectacular growth in their
>> careers using the same technology. Go to the office environment of
>> 20/25 years ago and you wouldn’t be able to imagine a blind person at
>> a post higher than a typist/ telephone operator. According to me,
>> every big change comes with a pain but the pain is worth it at the
>> end. I have no intentions of arguing with a senior member but as a
>> list member I feel that a right message must be given to the younger
>> generation who considers this list to be the primary source of
>> information.
>>
>> Regards,
>> Ajay
>>
>>
>> On 12/6/16, Chandrashekhar Kulkarni  wrote:
>>> Dear list memberss,
>>> A very interesting and close to heart topic in the present
>>> circumstances. According to me the problem is more severe for totally
>>> blind persons. Today there is a loud cry for going in for paperless
>>> currency, but has the government really thought about the needs of
>>> differently abled persons or the Hon. Prime Minister and his ministry
>>> really think that Divyang persons have a Divyang which takes them out
>>> of any problems? The Government must think of persons like us not only
>>> from the point of view of accessibility but also from safety and
>>> security.
>>> Sincerely,
>>> C. B. Kulkkarni
>>>
>>> On 06/12/2016, Shyam M. Sayanekar  wrote:
 Ok Ajay, you say it is half full and I will say it is half empty. It is
 easy
 to quote proverbs and sayings, but practical difficulties do not get
 solved
 by quoting proverbs. You need not accept my views if you disagree with
 them.
 Just last month 32 lakh debit cards had to be called off. We hear
 several
 cases of the ATM cards getting stuck in the machine. We also hear about
 the
 people getting robbed through their credit and debit cards. If it is the
 case with the sighted people, how difficult it can be for the visually
 impaired. Yours, professor Shyam M. sayanekar.
 - Original Message -
 From: "Ajay Minocha" 
 To: "AccessIndia: a list for discussing accessibility and issues
 concerning
 the disabled." 
 Sent: Tuesday, December 06, 2016 12:23 AM
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call


> Hi,
>
> It intirely depends on us if we want to see it half empty or half full.
>
> On 12/5/16, Shyam M. Sayanekar  wrote:
>> A very good and factbased article. In fact a lot of discussion on this
>> issue
>> should be unddertaken. Further, the risk factor involved in cashless
>> transactions with regard to the VI also has to be taken into account.
>> Non-availability of network, the phones getting out of range are also
>> other
>> issues. Professor Shyam M. Sayanekar
>> - Original Message -
>> From: "Sruti disAbility Rights Centre" 
>> To: "Dedicated AccessIndia list for discussing accessibility of mobile
>> phones and Tabs." 
>> Sent: Monday, December 05, 2016 3:49 PM
>> Subject: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
>>> *
>>>
>>> *BANGALORE, INDIA:* Booking cabs, buying food and making payments
>>> online
>>> seem like they’re just a swipe and a tap away, but for millions of
>>> Indians
>>> with disabilities, these apps are not designed for them to use.
>>>
>>>

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[George Abraham]

Rightly said! I see it as an opportunity  for us to push for access to all 
financial services including all websites, apps etc. 

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of 
Leikhu Laishram Leingakpa
Sent: 07 December 2016 14:03
To: AccessIndia: a list for discussing accessibility and issues concerning the 
disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:
> Hey George sir,
>
> I completely agree but my main concern is the denial towards embracing the
> change by those who are teck literate.
>
> Regards,
> Ajay
>
> Sent with AquaMail for Android
> http://www.aqua-mail.com
>
>
> On December 7, 2016 7:11:32 AM "George Abraham"  wrote:
>
>> Ajay,
>>
>> The point is well made. But the point to be noted is that millions of
>> blind
>> people in India are not computer/tech literate. Most banking facilities
>> are
>> inaccessible and many banks still do not easily provide banking facilities
>>
>> to blind people. Alongside pushing the cashless system, it is important to
>>
>> empower the blind individual, and make accessible the tools of the
>> cashless
>> economy and banks have to start engaging with blind customers. The switch
>> is not quite that simple. This cashless economy makes it all the more
>> critical that Digital India becomes accessible.
>>
>> Regards,
>>
>> George
>>
>>
>> -Original Message-
>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>> Behalf
>> Of Ajay Minocha
>> Sent: 06 December 2016 23:54
>> To: AccessIndia: a list for discussing accessibility and issues concerning
>>
>> the disabled.
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>> Hi sir,
>>
>> Let’s not debate on the advantages and disadvantages of cash and
>> without cash payment systems. As an academician, it’s your
>> responsibility to see the positive side of the fast and ever-changing
>> society and impart that knowledge to your students. I still remember
>> that example shared on our own list regarding the introduction of
>> computers in government organisations. Though there are people who are
>> happy to have a free lunch at their workplace but there also exists a
>> bunch of individuals who have achieved spectacular growth in their
>> careers using the same technology. Go to the office environment of
>> 20/25 years ago and you wouldn’t be able to imagine a blind person at
>> a post higher than a typist/ telephone operator. According to me,
>> every big change comes with a pain but the pain is worth it at the
>> end. I have no intentions of arguing with a senior member but as a
>> list member I feel that a right message must be given to the younger
>> generation who considers this list to be the primary source of
>> information.
>>
>> Regards,
>> Ajay
>>
>>
>> On 12/6/16, Chandrashekhar Kulkarni  wrote:
>>> Dear list memberss,
>>> A very interesting and close to heart topic in the present
>>> circumstances. According to me the problem is more severe for totally
>>> blind persons. Today there is a loud cry for going in for paperless
>>> currency, but has the government really thought about the needs of
>>> differently abled persons or the Hon. Prime Minister and his ministry
>>> really think that Divyang persons have a Divyang which takes them out
>>> of any problems? The Government must think of persons like us not only
>>> from the point of view of accessibility but also from safety and
>>> security.
>>> Sincerely,
>>> C. B. Kulkkarni
>>>
>>> On 06/12/2016, Shyam M. Sayanekar  wrote:
 Ok Ajay, you say it is half full and I will say it is half empty. It is
 easy
 to quote proverbs and sayings, but practical difficulties do not get
 solved
 by quoting proverbs. You need not accept my views if you disagree with
 them.
 Just last month 32 lakh debit cards had to be called off. We hear
 several
 cases of the ATM cards getting stuck in the machine. We also hear about
 the
 people getting robbed through their credit and debit cards. If it is the
 case with the sighted people, how difficult it can be for the visually
 impaired. Yours, professor Shyam M. sayanekar.
 - Original Message 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Rajashekhar, Shekhar]

Good thought Ajay, agree with you.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of 
Shyam M. Sayanekar
Sent: Wednesday, December 07, 2016 3:17 PM
To: AccessIndia: a list for discussing accessibility and issues concerning the 
disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call

Mr. Ajay, now both Chandrashekhar Kulkarni and myself will come to you to sit 
at your feet to learn our responsibilities as academicians. Thanks
- Original Message -
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues concerning the 
disabled." 
Sent: Tuesday, December 06, 2016 11:53 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


> Hi sir,
>
> Let’s not debate on the advantages and disadvantages of cash and
> without cash payment systems. As an academician, it’s your
> responsibility to see the positive side of the fast and ever-changing
> society and impart that knowledge to your students. I still remember
> that example shared on our own list regarding the introduction of
> computers in government organisations. Though there are people who are
> happy to have a free lunch at their workplace but there also exists a
> bunch of individuals who have achieved spectacular growth in their
> careers using the same technology. Go to the office environment of
> 20/25 years ago and you wouldn’t be able to imagine a blind person at
> a post higher than a typist/ telephone operator. According to me,
> every big change comes with a pain but the pain is worth it at the
> end. I have no intentions of arguing with a senior member but as a
> list member I feel that a right message must be given to the younger
> generation who considers this list to be the primary source of
> information.
>
> Regards,
> Ajay
>
>
> On 12/6/16, Chandrashekhar Kulkarni  wrote:
>> Dear list memberss,
>> A very interesting and close to heart topic in the present
>> circumstances. According to me the problem is more severe for totally
>> blind persons. Today there is a loud cry for going in for paperless
>> currency, but has the government really thought about the needs of
>> differently abled persons or the Hon. Prime Minister and his ministry
>> really think that Divyang persons have a Divyang which takes them out
>> of any problems? The Government must think of persons like us not
>> only from the point of view of accessibility but also from safety and
>> security.
>> Sincerely,
>> C. B. Kulkkarni
>>
>> On 06/12/2016, Shyam M. Sayanekar  wrote:
>>> Ok Ajay, you say it is half full and I will say it is half empty. It
>>> is easy to quote proverbs and sayings, but practical difficulties do
>>> not get solved by quoting proverbs. You need not accept my views if
>>> you disagree with them.
>>> Just last month 32 lakh debit cards had to be called off. We hear
>>> several cases of the ATM cards getting stuck in the machine. We also
>>> hear about the people getting robbed through their credit and debit
>>> cards. If it is the case with the sighted people, how difficult it
>>> can be for the visually impaired. Yours, professor Shyam M.
>>> sayanekar.
>>> - Original Message -
>>> From: "Ajay Minocha" 
>>> To: "AccessIndia: a list for discussing accessibility and issues
>>> concerning the disabled." 
>>> Sent: Tuesday, December 06, 2016 12:23 AM
>>> Subject: Re: [AI] For Millions of Indians with Disabilities making
>>> online payments is tough call
>>>
>>>
 Hi,

 It intirely depends on us if we want to see it half empty or half full.

 On 12/5/16, Shyam M. Sayanekar  wrote:
> A very good and factbased article. In fact a lot of discussion on
> this issue should be unddertaken. Further, the risk factor
> involved in cashless transactions with regard to the VI also has
> to be taken into account.
> Non-availability of network, the phones getting out of range are
> also other issues. Professor Shyam M. Sayanekar
> - Original Message -
> From: "Sruti disAbility Rights Centre" 
> To: "Dedicated AccessIndia list for discussing accessibility of
> mobile phones and Tabs." 
> Sent: Monday, December 05, 2016 3:49 PM
> Subject: [AI] For Millions of Indians with Disabilities making
> online payments is tough call
>
>
>> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-in
>> dians-with-disabilities-making-payments-online-is-tough-call/
>> > dians-with-disabilities-making-payments-online-is-tough-call/>*
>>
>> *BANGALORE, INDIA:* Booking cabs, buying 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Shyam M. Sayanekar]

Mr. Ajay, now both Chandrashekhar Kulkarni and myself will come to you to 
sit at your feet to learn our responsibilities as academicians. Thanks
- Original Message - 
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." 

Sent: Tuesday, December 06, 2016 11:53 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change comes with a pain but the pain is worth it at the
end. I have no intentions of arguing with a senior member but as a
list member I feel that a right message must be given to the younger
generation who considers this list to be the primary source of
information.

Regards,
Ajay


On 12/6/16, Chandrashekhar Kulkarni  wrote:

Dear list memberss,
A very interesting and close to heart topic in the present
circumstances. According to me the problem is more severe for totally
blind persons. Today there is a loud cry for going in for paperless
currency, but has the government really thought about the needs of
differently abled persons or the Hon. Prime Minister and his ministry
really think that Divyang persons have a Divyang which takes them out
of any problems? The Government must think of persons like us not only
from the point of view of accessibility but also from safety and
security.
Sincerely,
C. B. Kulkkarni

On 06/12/2016, Shyam M. Sayanekar  wrote:

Ok Ajay, you say it is half full and I will say it is half empty. It is
easy
to quote proverbs and sayings, but practical difficulties do not get
solved
by quoting proverbs. You need not accept my views if you disagree with
them.
Just last month 32 lakh debit cards had to be called off. We hear 
several

cases of the ATM cards getting stuck in the machine. We also hear about
the
people getting robbed through their credit and debit cards. If it is the
case with the sighted people, how difficult it can be for the visually
impaired. Yours, professor Shyam M. sayanekar.
- Original Message -
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Tuesday, December 06, 2016 12:23 AM
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call



Hi,

It intirely depends on us if we want to see it half empty or half full.

On 12/5/16, Shyam M. Sayanekar  wrote:

A very good and factbased article. In fact a lot of discussion on this
issue
should be unddertaken. Further, the risk factor involved in cashless
transactions with regard to the VI also has to be taken into account.
Non-availability of network, the phones getting out of range are also
other
issues. Professor Shyam M. Sayanekar
- Original Message -
From: "Sruti disAbility Rights Centre" 
To: "Dedicated AccessIndia list for discussing accessibility of mobile
phones and Tabs." 
Sent: Monday, December 05, 2016 3:49 PM
Subject: [AI] For Millions of Indians with Disabilities making online
payments is tough call



*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments
online
seem like they’re just a swipe and a tap away, but for millions of
Indians
with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society 
(CIS)

last month, many of the most-commonly used mobile apps for food
delivery,
online payments, grocery shopping and transportation were not
accessible
to
people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the
country
at 26 million, while advocacy groups say the real figure is closer to
150
million. Last year, India recorded nearly nine billion downloads of
mobile-based 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Leikhu Laishram Leingakpa]

Dear all
Of course every blind or visually impaired are not literate or tech
sabby. This is the case with the non-disabled people too. Moreover
cashless is not going to happen overnight. But there are many among us
who are familiar with cashless system and can use without any
difficulty. So the debate should be how to make the system accessible
and how to remove the administrative bottleneck and proper
implementation of the programmes and policies. Just take the instances
of denial of ATM card and cheque facilities by various bank branches.

Leikhu Laishram


On 12/7/16, Ajay Minocha  wrote:
> Hey George sir,
>
> I completely agree but my main concern is the denial towards embracing the
> change by those who are teck literate.
>
> Regards,
> Ajay
>
> Sent with AquaMail for Android
> http://www.aqua-mail.com
>
>
> On December 7, 2016 7:11:32 AM "George Abraham"  wrote:
>
>> Ajay,
>>
>> The point is well made. But the point to be noted is that millions of
>> blind
>> people in India are not computer/tech literate. Most banking facilities
>> are
>> inaccessible and many banks still do not easily provide banking facilities
>>
>> to blind people. Alongside pushing the cashless system, it is important to
>>
>> empower the blind individual, and make accessible the tools of the
>> cashless
>> economy and banks have to start engaging with blind customers. The switch
>> is not quite that simple. This cashless economy makes it all the more
>> critical that Digital India becomes accessible.
>>
>> Regards,
>>
>> George
>>
>>
>> -Original Message-
>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>> Behalf
>> Of Ajay Minocha
>> Sent: 06 December 2016 23:54
>> To: AccessIndia: a list for discussing accessibility and issues concerning
>>
>> the disabled.
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>> Hi sir,
>>
>> Let’s not debate on the advantages and disadvantages of cash and
>> without cash payment systems. As an academician, it’s your
>> responsibility to see the positive side of the fast and ever-changing
>> society and impart that knowledge to your students. I still remember
>> that example shared on our own list regarding the introduction of
>> computers in government organisations. Though there are people who are
>> happy to have a free lunch at their workplace but there also exists a
>> bunch of individuals who have achieved spectacular growth in their
>> careers using the same technology. Go to the office environment of
>> 20/25 years ago and you wouldn’t be able to imagine a blind person at
>> a post higher than a typist/ telephone operator. According to me,
>> every big change comes with a pain but the pain is worth it at the
>> end. I have no intentions of arguing with a senior member but as a
>> list member I feel that a right message must be given to the younger
>> generation who considers this list to be the primary source of
>> information.
>>
>> Regards,
>> Ajay
>>
>>
>> On 12/6/16, Chandrashekhar Kulkarni  wrote:
>>> Dear list memberss,
>>> A very interesting and close to heart topic in the present
>>> circumstances. According to me the problem is more severe for totally
>>> blind persons. Today there is a loud cry for going in for paperless
>>> currency, but has the government really thought about the needs of
>>> differently abled persons or the Hon. Prime Minister and his ministry
>>> really think that Divyang persons have a Divyang which takes them out
>>> of any problems? The Government must think of persons like us not only
>>> from the point of view of accessibility but also from safety and
>>> security.
>>> Sincerely,
>>> C. B. Kulkkarni
>>>
>>> On 06/12/2016, Shyam M. Sayanekar  wrote:
 Ok Ajay, you say it is half full and I will say it is half empty. It is
 easy
 to quote proverbs and sayings, but practical difficulties do not get
 solved
 by quoting proverbs. You need not accept my views if you disagree with
 them.
 Just last month 32 lakh debit cards had to be called off. We hear
 several
 cases of the ATM cards getting stuck in the machine. We also hear about
 the
 people getting robbed through their credit and debit cards. If it is the
 case with the sighted people, how difficult it can be for the visually
 impaired. Yours, professor Shyam M. sayanekar.
 - Original Message -
 From: "Ajay Minocha" 
 To: "AccessIndia: a list for discussing accessibility and issues
 concerning
 the disabled." 
 Sent: Tuesday, December 06, 2016 12:23 AM
 Subject: Re: [AI] For Millions of Indians with Disabilities making
 online
 payments is tough call


> Hi,
>
> It intirely depends on us if we want to see it half empty or half full.
>
> On 12/5/16, 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hey George sir,

I completely agree but my main concern is the denial towards embracing the 
change by those who are teck literate.


Regards,
Ajay

Sent with AquaMail for Android
http://www.aqua-mail.com


On December 7, 2016 7:11:32 AM "George Abraham"  wrote:


Ajay,

The point is well made. But the point to be noted is that millions of blind 
people in India are not computer/tech literate. Most banking facilities are 
inaccessible and many banks still do not easily provide banking facilities 
to blind people. Alongside pushing the cashless system, it is important to 
empower the blind individual, and make accessible the tools of the cashless 
economy and banks have to start engaging with blind customers. The switch 
is not quite that simple. This cashless economy makes it all the more 
critical that Digital India becomes accessible.


Regards,

George


-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf 
Of Ajay Minocha

Sent: 06 December 2016 23:54
To: AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change comes with a pain but the pain is worth it at the
end. I have no intentions of arguing with a senior member but as a
list member I feel that a right message must be given to the younger
generation who considers this list to be the primary source of
information.

Regards,
Ajay


On 12/6/16, Chandrashekhar Kulkarni  wrote:

Dear list memberss,
A very interesting and close to heart topic in the present
circumstances. According to me the problem is more severe for totally
blind persons. Today there is a loud cry for going in for paperless
currency, but has the government really thought about the needs of
differently abled persons or the Hon. Prime Minister and his ministry
really think that Divyang persons have a Divyang which takes them out
of any problems? The Government must think of persons like us not only
from the point of view of accessibility but also from safety and
security.
Sincerely,
C. B. Kulkkarni

On 06/12/2016, Shyam M. Sayanekar  wrote:

Ok Ajay, you say it is half full and I will say it is half empty. It is
easy
to quote proverbs and sayings, but practical difficulties do not get
solved
by quoting proverbs. You need not accept my views if you disagree with
them.
Just last month 32 lakh debit cards had to be called off. We hear several
cases of the ATM cards getting stuck in the machine. We also hear about
the
people getting robbed through their credit and debit cards. If it is the
case with the sighted people, how difficult it can be for the visually
impaired. Yours, professor Shyam M. sayanekar.
- Original Message -
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Tuesday, December 06, 2016 12:23 AM
Subject: Re: [AI] For Millions of Indians with Disabilities making online
payments is tough call



Hi,

It intirely depends on us if we want to see it half empty or half full.

On 12/5/16, Shyam M. Sayanekar  wrote:

A very good and factbased article. In fact a lot of discussion on this
issue
should be unddertaken. Further, the risk factor involved in cashless
transactions with regard to the VI also has to be taken into account.
Non-availability of network, the phones getting out of range are also
other
issues. Professor Shyam M. Sayanekar
- Original Message -
From: "Sruti disAbility Rights Centre" 
To: "Dedicated AccessIndia list for discussing accessibility of mobile
phones and Tabs." 
Sent: Monday, December 05, 2016 3:49 PM
Subject: [AI] For Millions of Indians with Disabilities making online
payments is tough call



*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[bhawani shankar verma]

i think that we must take advantage of digital payment system through any 
mode of payment USSD, UPI, CARDS, NET BANKING etc. the concern is that all 
apps and websites payment gateways must be accessible.


- Original Message - 
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." 

Sent: Tuesday, December 06, 2016 11:53 PM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change comes with a pain but the pain is worth it at the
end. I have no intentions of arguing with a senior member but as a
list member I feel that a right message must be given to the younger
generation who considers this list to be the primary source of
information.

Regards,
Ajay


On 12/6/16, Chandrashekhar Kulkarni  wrote:

Dear list memberss,
A very interesting and close to heart topic in the present
circumstances. According to me the problem is more severe for totally
blind persons. Today there is a loud cry for going in for paperless
currency, but has the government really thought about the needs of
differently abled persons or the Hon. Prime Minister and his ministry
really think that Divyang persons have a Divyang which takes them out
of any problems? The Government must think of persons like us not only
from the point of view of accessibility but also from safety and
security.
Sincerely,
C. B. Kulkkarni

On 06/12/2016, Shyam M. Sayanekar  wrote:

Ok Ajay, you say it is half full and I will say it is half empty. It is
easy
to quote proverbs and sayings, but practical difficulties do not get
solved
by quoting proverbs. You need not accept my views if you disagree with
them.
Just last month 32 lakh debit cards had to be called off. We hear 
several

cases of the ATM cards getting stuck in the machine. We also hear about
the
people getting robbed through their credit and debit cards. If it is the
case with the sighted people, how difficult it can be for the visually
impaired. Yours, professor Shyam M. sayanekar.
- Original Message -
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues
concerning
the disabled." 
Sent: Tuesday, December 06, 2016 12:23 AM
Subject: Re: [AI] For Millions of Indians with Disabilities making 
online

payments is tough call



Hi,

It intirely depends on us if we want to see it half empty or half full.

On 12/5/16, Shyam M. Sayanekar  wrote:

A very good and factbased article. In fact a lot of discussion on this
issue
should be unddertaken. Further, the risk factor involved in cashless
transactions with regard to the VI also has to be taken into account.
Non-availability of network, the phones getting out of range are also
other
issues. Professor Shyam M. Sayanekar
- Original Message -
From: "Sruti disAbility Rights Centre" 
To: "Dedicated AccessIndia list for discussing accessibility of mobile
phones and Tabs." 
Sent: Monday, December 05, 2016 3:49 PM
Subject: [AI] For Millions of Indians with Disabilities making online
payments is tough call



*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments
online
seem like they’re just a swipe and a tap away, but for millions of
Indians
with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society 
(CIS)

last month, many of the most-commonly used mobile apps for food
delivery,
online payments, grocery shopping and transportation were not
accessible
to
people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the
country
at 26 million, while advocacy groups say the real figure is closer to
150
million. Last year, 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[George Abraham]

Ajay,

The point is well made. But the point to be noted is that millions of blind 
people in India are not computer/tech literate. Most banking facilities are 
inaccessible and many banks still do not easily provide banking facilities to 
blind people. Alongside pushing the cashless system, it is important to empower 
the blind individual, and make accessible the tools of the cashless economy and 
banks have to start engaging with blind customers. The switch is not quite that 
simple. This cashless economy makes it all the more critical that Digital India 
becomes accessible.

Regards,

George
 

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of 
Ajay Minocha
Sent: 06 December 2016 23:54
To: AccessIndia: a list for discussing accessibility and issues concerning the 
disabled.
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call

Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change comes with a pain but the pain is worth it at the
end. I have no intentions of arguing with a senior member but as a
list member I feel that a right message must be given to the younger
generation who considers this list to be the primary source of
information.

Regards,
Ajay


On 12/6/16, Chandrashekhar Kulkarni  wrote:
> Dear list memberss,
> A very interesting and close to heart topic in the present
> circumstances. According to me the problem is more severe for totally
> blind persons. Today there is a loud cry for going in for paperless
> currency, but has the government really thought about the needs of
> differently abled persons or the Hon. Prime Minister and his ministry
> really think that Divyang persons have a Divyang which takes them out
> of any problems? The Government must think of persons like us not only
> from the point of view of accessibility but also from safety and
> security.
> Sincerely,
> C. B. Kulkkarni
>
> On 06/12/2016, Shyam M. Sayanekar  wrote:
>> Ok Ajay, you say it is half full and I will say it is half empty. It is
>> easy
>> to quote proverbs and sayings, but practical difficulties do not get
>> solved
>> by quoting proverbs. You need not accept my views if you disagree with
>> them.
>> Just last month 32 lakh debit cards had to be called off. We hear several
>> cases of the ATM cards getting stuck in the machine. We also hear about
>> the
>> people getting robbed through their credit and debit cards. If it is the
>> case with the sighted people, how difficult it can be for the visually
>> impaired. Yours, professor Shyam M. sayanekar.
>> - Original Message -
>> From: "Ajay Minocha" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Tuesday, December 06, 2016 12:23 AM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Hi,
>>>
>>> It intirely depends on us if we want to see it half empty or half full.
>>>
>>> On 12/5/16, Shyam M. Sayanekar  wrote:
 A very good and factbased article. In fact a lot of discussion on this
 issue
 should be unddertaken. Further, the risk factor involved in cashless
 transactions with regard to the VI also has to be taken into account.
 Non-availability of network, the phones getting out of range are also
 other
 issues. Professor Shyam M. Sayanekar
 - Original Message -
 From: "Sruti disAbility Rights Centre" 
 To: "Dedicated AccessIndia list for discussing accessibility of mobile
 phones and Tabs." 
 Sent: Monday, December 05, 2016 3:49 PM
 Subject: [AI] For Millions of Indians with Disabilities making online
 payments is tough call


> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
> *
>
> *BANGALORE, INDIA:* Booking cabs, buying food and making payments
> online

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hi sir,

Let’s not debate on the advantages and disadvantages of cash and
without cash payment systems. As an academician, it’s your
responsibility to see the positive side of the fast and ever-changing
society and impart that knowledge to your students. I still remember
that example shared on our own list regarding the introduction of
computers in government organisations. Though there are people who are
happy to have a free lunch at their workplace but there also exists a
bunch of individuals who have achieved spectacular growth in their
careers using the same technology. Go to the office environment of
20/25 years ago and you wouldn’t be able to imagine a blind person at
a post higher than a typist/ telephone operator. According to me,
every big change comes with a pain but the pain is worth it at the
end. I have no intentions of arguing with a senior member but as a
list member I feel that a right message must be given to the younger
generation who considers this list to be the primary source of
information.

Regards,
Ajay


On 12/6/16, Chandrashekhar Kulkarni  wrote:
> Dear list memberss,
> A very interesting and close to heart topic in the present
> circumstances. According to me the problem is more severe for totally
> blind persons. Today there is a loud cry for going in for paperless
> currency, but has the government really thought about the needs of
> differently abled persons or the Hon. Prime Minister and his ministry
> really think that Divyang persons have a Divyang which takes them out
> of any problems? The Government must think of persons like us not only
> from the point of view of accessibility but also from safety and
> security.
> Sincerely,
> C. B. Kulkkarni
>
> On 06/12/2016, Shyam M. Sayanekar  wrote:
>> Ok Ajay, you say it is half full and I will say it is half empty. It is
>> easy
>> to quote proverbs and sayings, but practical difficulties do not get
>> solved
>> by quoting proverbs. You need not accept my views if you disagree with
>> them.
>> Just last month 32 lakh debit cards had to be called off. We hear several
>> cases of the ATM cards getting stuck in the machine. We also hear about
>> the
>> people getting robbed through their credit and debit cards. If it is the
>> case with the sighted people, how difficult it can be for the visually
>> impaired. Yours, professor Shyam M. sayanekar.
>> - Original Message -
>> From: "Ajay Minocha" 
>> To: "AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled." 
>> Sent: Tuesday, December 06, 2016 12:23 AM
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>>
>>> Hi,
>>>
>>> It intirely depends on us if we want to see it half empty or half full.
>>>
>>> On 12/5/16, Shyam M. Sayanekar  wrote:
 A very good and factbased article. In fact a lot of discussion on this
 issue
 should be unddertaken. Further, the risk factor involved in cashless
 transactions with regard to the VI also has to be taken into account.
 Non-availability of network, the phones getting out of range are also
 other
 issues. Professor Shyam M. Sayanekar
 - Original Message -
 From: "Sruti disAbility Rights Centre" 
 To: "Dedicated AccessIndia list for discussing accessibility of mobile
 phones and Tabs." 
 Sent: Monday, December 05, 2016 3:49 PM
 Subject: [AI] For Millions of Indians with Disabilities making online
 payments is tough call


> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
> *
>
> *BANGALORE, INDIA:* Booking cabs, buying food and making payments
> online
> seem like they’re just a swipe and a tap away, but for millions of
> Indians
> with disabilities, these apps are not designed for them to use.
>
>
> According to a study conducted by Centre for Internet and Society (CIS)
> last month, many of the most-commonly used mobile apps for food
> delivery,
> online payments, grocery shopping and transportation were not
> accessible
> to
> people with vision disabilities. The study covered 22 apps.
>
> The 2011 census puts the number of people with disabilities in the
> country
> at 26 million, while advocacy groups say the real figure is closer to
> 150
> million. Last year, India recorded nearly nine billion downloads of
> mobile-based applications last year.
>
> “The national policy for universal electronic accessibility says that
> all
> IT products and services should be accessible. However, the 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Chandrashekhar Kulkarni]

Dear list memberss,
A very interesting and close to heart topic in the present
circumstances. According to me the problem is more severe for totally
blind persons. Today there is a loud cry for going in for paperless
currency, but has the government really thought about the needs of
differently abled persons or the Hon. Prime Minister and his ministry
really think that Divyang persons have a Divyang which takes them out
of any problems? The Government must think of persons like us not only
from the point of view of accessibility but also from safety and
security.
Sincerely,
C. B. Kulkkarni

On 06/12/2016, Shyam M. Sayanekar  wrote:
> Ok Ajay, you say it is half full and I will say it is half empty. It is easy
> to quote proverbs and sayings, but practical difficulties do not get solved
> by quoting proverbs. You need not accept my views if you disagree with them.
> Just last month 32 lakh debit cards had to be called off. We hear several
> cases of the ATM cards getting stuck in the machine. We also hear about the
> people getting robbed through their credit and debit cards. If it is the
> case with the sighted people, how difficult it can be for the visually
> impaired. Yours, professor Shyam M. sayanekar.
> - Original Message -
> From: "Ajay Minocha" 
> To: "AccessIndia: a list for discussing accessibility and issues concerning
> the disabled." 
> Sent: Tuesday, December 06, 2016 12:23 AM
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
>
>> Hi,
>>
>> It intirely depends on us if we want to see it half empty or half full.
>>
>> On 12/5/16, Shyam M. Sayanekar  wrote:
>>> A very good and factbased article. In fact a lot of discussion on this
>>> issue
>>> should be unddertaken. Further, the risk factor involved in cashless
>>> transactions with regard to the VI also has to be taken into account.
>>> Non-availability of network, the phones getting out of range are also
>>> other
>>> issues. Professor Shyam M. Sayanekar
>>> - Original Message -
>>> From: "Sruti disAbility Rights Centre" 
>>> To: "Dedicated AccessIndia list for discussing accessibility of mobile
>>> phones and Tabs." 
>>> Sent: Monday, December 05, 2016 3:49 PM
>>> Subject: [AI] For Millions of Indians with Disabilities making online
>>> payments is tough call
>>>
>>>
 *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
 *

 *BANGALORE, INDIA:* Booking cabs, buying food and making payments online
 seem like they’re just a swipe and a tap away, but for millions of
 Indians
 with disabilities, these apps are not designed for them to use.


 According to a study conducted by Centre for Internet and Society (CIS)
 last month, many of the most-commonly used mobile apps for food
 delivery,
 online payments, grocery shopping and transportation were not accessible
 to
 people with vision disabilities. The study covered 22 apps.

 The 2011 census puts the number of people with disabilities in the
 country
 at 26 million, while advocacy groups say the real figure is closer to
 150
 million. Last year, India recorded nearly nine billion downloads of
 mobile-based applications last year.

 “The national policy for universal electronic accessibility says that
 all
 IT products and services should be accessible. However, the government
 is
 still unable to implement it. Several government apps are inaccessible,”
 said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some
 key
 government mobile based applications like My Gov, EPathshala and Prime
 Minister Narendra Modi’s official app found them to be severely lacking.
 The illiterate, aged and those not proficient in English would also
 struggle with the apps, the study found. The guidelines for government
 websites laid out accessibility standards in 2009. The 2013 national
 policy
 on universal electronic accessibility clearly upholds equal rights
 “ensuring that accessibility standards and guidelines and universal
 design
 concepts are adopted and adhered to.”

 However, most commonly-used apps fail to follow this. All 22 of the apps
 studied were privately owned but not all were fully compliant with
 universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber
 was
 completely accessible to the disabled. The others had mis-labelled or
 unlabeled buttons and graphics.

 When it came to food delivery, Zomato was the best at replicating the
 user
 experience for 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Shyam M. Sayanekar]

Ok Ajay, you say it is half full and I will say it is half empty. It is easy 
to quote proverbs and sayings, but practical difficulties do not get solved 
by quoting proverbs. You need not accept my views if you disagree with them. 
Just last month 32 lakh debit cards had to be called off. We hear several 
cases of the ATM cards getting stuck in the machine. We also hear about the 
people getting robbed through their credit and debit cards. If it is the 
case with the sighted people, how difficult it can be for the visually 
impaired. Yours, professor Shyam M. sayanekar.
- Original Message - 
From: "Ajay Minocha" 
To: "AccessIndia: a list for discussing accessibility and issues concerning 
the disabled." 

Sent: Tuesday, December 06, 2016 12:23 AM
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




Hi,

It intirely depends on us if we want to see it half empty or half full.

On 12/5/16, Shyam M. Sayanekar  wrote:
A very good and factbased article. In fact a lot of discussion on this 
issue

should be unddertaken. Further, the risk factor involved in cashless
transactions with regard to the VI also has to be taken into account.
Non-availability of network, the phones getting out of range are also 
other

issues. Professor Shyam M. Sayanekar
- Original Message -
From: "Sruti disAbility Rights Centre" 
To: "Dedicated AccessIndia list for discussing accessibility of mobile
phones and Tabs." 
Sent: Monday, December 05, 2016 3:49 PM
Subject: [AI] For Millions of Indians with Disabilities making online
payments is tough call



*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments online
seem like they’re just a swipe and a tap away, but for millions of 
Indians

with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society (CIS)
last month, many of the most-commonly used mobile apps for food 
delivery,

online payments, grocery shopping and transportation were not accessible
to
people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the 
country
at 26 million, while advocacy groups say the real figure is closer to 
150

million. Last year, India recorded nearly nine billion downloads of
mobile-based applications last year.

“The national policy for universal electronic accessibility says that 
all
IT products and services should be accessible. However, the government 
is

still unable to implement it. Several government apps are inaccessible,”
said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some 
key

government mobile based applications like My Gov, EPathshala and Prime
Minister Narendra Modi’s official app found them to be severely lacking.
The illiterate, aged and those not proficient in English would also
struggle with the apps, the study found. The guidelines for government
websites laid out accessibility standards in 2009. The 2013 national
policy
on universal electronic accessibility clearly upholds equal rights
“ensuring that accessibility standards and guidelines and universal 
design

concepts are adopted and adhered to.”

However, most commonly-used apps fail to follow this. All 22 of the apps
studied were privately owned but not all were fully compliant with
universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber
was
completely accessible to the disabled. The others had mis-labelled or
unlabeled buttons and graphics.

When it came to food delivery, Zomato was the best at replicating the 
user

experience for people with disabilities. Swiggy and Foodpanda were
difficult for new users, and Freshmenu was completely inaccessible.

Of the marketplace apps, Amazon and Snapdeal were the only accessible
ones.
Myntra and Flipkart had incorrectly labelled buttons and misleading
graphic
tags, which made them impossible for people with disabilities to use. 
For
instance, customers would be able to select the product they wanted to 
buy

but had no way of choosing the quantity, the study said. Online grocery
delivery apps Grofers and Zop Now were hard for people with disabilities
to
use, while Big Basket was relatively better though pages change during
orders. Online payment portals Paytm, Oxigen and FreeCharge were
relatively
accessible, the study found.

“Designers, developers and industries need to realize that there are 
more

people out there who use this technology .The market is much bigger and
they should work towards being inclusive,” said Narasimhan of CIS.

Albinder Dhinda, 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Aravind R]

central government has launched accessible india campaign i think.
there, we have to raise these issues. does any one us know how to
raise these issues there?

On 12/6/16, Leikhu Laishram Leingakpa  wrote:
> Dear All
> Still many of blind customers are denied ATM card, cheque book, net
> banking, etc. by their respective bank branches inspite of having RBI
> circulars asking the banks not to deny these facilities. How can we
> think of cashless economy without fixing these issues.
>
> Leikhu Laishram
>
>
> On 12/6/16, bhawani shankar verma  wrote:
>> if accessibility is available, there is a CAPTCHA where you have to stuck.
>> e.g. you can book your tickets on IRCTC with OTP, but mostly you can get
>> stucked on CAPTCHA at payment gateways. some payment gateways like IDBI
>> payment gateway are having both CAPTCHA and OTP. one has to fill both the
>> option at the time of making payment.
>>
>>
>>
>>
>> -Original Message-
>> From: George Abraham
>> Sent: Tuesday, December 06, 2016 10:01 AM
>> To: 'AccessIndia: a list for discussing accessibility and issues
>> concerning
>> the disabled.'
>> Subject: Re: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>> This is the fear! Digital India  could easily leave us out.
>>
>> -Original Message-
>> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
>> Behalf
>> Of Sruti disAbility Rights Centre
>> Sent: 05 December 2016 15:49
>> To: Dedicated AccessIndia list for discussing accessibility of mobile
>> phones
>> and Tabs.
>> Subject: [AI] For Millions of Indians with Disabilities making online
>> payments is tough call
>>
>> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
>> *
>>
>> *BANGALORE, INDIA:* Booking cabs, buying food and making payments online
>> seem like they’re just a swipe and a tap away, but for millions of Indians
>> with disabilities, these apps are not designed for them to use.
>>
>>
>> According to a study conducted by Centre for Internet and Society (CIS)
>> last month, many of the most-commonly used mobile apps for food delivery,
>> online payments, grocery shopping and transportation were not accessible
>> to
>> people with vision disabilities. The study covered 22 apps.
>>
>> The 2011 census puts the number of people with disabilities in the country
>> at 26 million, while advocacy groups say the real figure is closer to 150
>> million. Last year, India recorded nearly nine billion downloads of
>> mobile-based applications last year.
>>
>> “The national policy for universal electronic accessibility says that all
>> IT products and services should be accessible. However, the government is
>> still unable to implement it. Several government apps are inaccessible,”
>> said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
>> government mobile based applications like My Gov, EPathshala and Prime
>> Minister Narendra Modi’s official app found them to be severely lacking.
>> The illiterate, aged and those not proficient in English would also
>> struggle with the apps, the study found. The guidelines for government
>> websites laid out accessibility standards in 2009. The 2013 national
>> policy
>> on universal electronic accessibility clearly upholds equal rights
>> “ensuring that accessibility standards and guidelines and universal design
>> concepts are adopted and adhered to.”
>>
>> However, most commonly-used apps fail to follow this. All 22 of the apps
>> studied were privately owned but not all were fully compliant with
>> universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber
>> was
>> completely accessible to the disabled. The others had mis-labelled or
>> unlabeled buttons and graphics.
>>
>> When it came to food delivery, Zomato was the best at replicating the user
>> experience for people with disabilities. Swiggy and Foodpanda were
>> difficult for new users, and Freshmenu was completely inaccessible.
>>
>> Of the marketplace apps, Amazon and Snapdeal were the only accessible
>> ones.
>> Myntra and Flipkart had incorrectly labelled buttons and misleading
>> graphic
>> tags, which made them impossible for people with disabilities to use. For
>> instance, customers would be able to select the product they wanted to buy
>> but had no way of choosing the quantity, the study said. Online grocery
>> delivery apps Grofers and Zop Now were hard for people with disabilities
>> to
>> use, while Big Basket was relatively better though pages change during
>> orders. Online payment portals Paytm, Oxigen and FreeCharge were
>> relatively
>> accessible, the study found.
>>
>> “Designers, developers and industries need to realize that there are more
>> people out there who use this technology 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Leikhu Laishram Leingakpa]

Dear All
Still many of blind customers are denied ATM card, cheque book, net
banking, etc. by their respective bank branches inspite of having RBI
circulars asking the banks not to deny these facilities. How can we
think of cashless economy without fixing these issues.

Leikhu Laishram


On 12/6/16, bhawani shankar verma  wrote:
> if accessibility is available, there is a CAPTCHA where you have to stuck.
> e.g. you can book your tickets on IRCTC with OTP, but mostly you can get
> stucked on CAPTCHA at payment gateways. some payment gateways like IDBI
> payment gateway are having both CAPTCHA and OTP. one has to fill both the
> option at the time of making payment.
>
>
>
>
> -Original Message-
> From: George Abraham
> Sent: Tuesday, December 06, 2016 10:01 AM
> To: 'AccessIndia: a list for discussing accessibility and issues concerning
> the disabled.'
> Subject: Re: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
> This is the fear! Digital India  could easily leave us out.
>
> -Original Message-
> From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf
> Of Sruti disAbility Rights Centre
> Sent: 05 December 2016 15:49
> To: Dedicated AccessIndia list for discussing accessibility of mobile phones
> and Tabs.
> Subject: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
> *
>
> *BANGALORE, INDIA:* Booking cabs, buying food and making payments online
> seem like they’re just a swipe and a tap away, but for millions of Indians
> with disabilities, these apps are not designed for them to use.
>
>
> According to a study conducted by Centre for Internet and Society (CIS)
> last month, many of the most-commonly used mobile apps for food delivery,
> online payments, grocery shopping and transportation were not accessible to
> people with vision disabilities. The study covered 22 apps.
>
> The 2011 census puts the number of people with disabilities in the country
> at 26 million, while advocacy groups say the real figure is closer to 150
> million. Last year, India recorded nearly nine billion downloads of
> mobile-based applications last year.
>
> “The national policy for universal electronic accessibility says that all
> IT products and services should be accessible. However, the government is
> still unable to implement it. Several government apps are inaccessible,”
> said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
> government mobile based applications like My Gov, EPathshala and Prime
> Minister Narendra Modi’s official app found them to be severely lacking.
> The illiterate, aged and those not proficient in English would also
> struggle with the apps, the study found. The guidelines for government
> websites laid out accessibility standards in 2009. The 2013 national policy
> on universal electronic accessibility clearly upholds equal rights
> “ensuring that accessibility standards and guidelines and universal design
> concepts are adopted and adhered to.”
>
> However, most commonly-used apps fail to follow this. All 22 of the apps
> studied were privately owned but not all were fully compliant with
> universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber was
> completely accessible to the disabled. The others had mis-labelled or
> unlabeled buttons and graphics.
>
> When it came to food delivery, Zomato was the best at replicating the user
> experience for people with disabilities. Swiggy and Foodpanda were
> difficult for new users, and Freshmenu was completely inaccessible.
>
> Of the marketplace apps, Amazon and Snapdeal were the only accessible ones.
> Myntra and Flipkart had incorrectly labelled buttons and misleading graphic
> tags, which made them impossible for people with disabilities to use. For
> instance, customers would be able to select the product they wanted to buy
> but had no way of choosing the quantity, the study said. Online grocery
> delivery apps Grofers and Zop Now were hard for people with disabilities to
> use, while Big Basket was relatively better though pages change during
> orders. Online payment portals Paytm, Oxigen and FreeCharge were relatively
> accessible, the study found.
>
> “Designers, developers and industries need to realize that there are more
> people out there who use this technology .The market is much bigger and
> they should work towards being inclusive,” said Narasimhan of CIS.
>
> Albinder Dhinda, cofounder of grocery delivery service Grofers, said their
> app meets all accessibility requirements. “However, the disability tools
> provided by Google Play Store or the App Store often don’t benefit the user
> and are hard for them to 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[bhawani shankar verma]

if accessibility is available, there is a CAPTCHA where you have to stuck. 
e.g. you can book your tickets on IRCTC with OTP, but mostly you can get 
stucked on CAPTCHA at payment gateways. some payment gateways like IDBI 
payment gateway are having both CAPTCHA and OTP. one has to fill both the 
option at the time of making payment.





-Original Message- 
From: George Abraham

Sent: Tuesday, December 06, 2016 10:01 AM
To: 'AccessIndia: a list for discussing accessibility and issues concerning 
the disabled.'
Subject: Re: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


This is the fear! Digital India  could easily leave us out.

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf 
Of Sruti disAbility Rights Centre

Sent: 05 December 2016 15:49
To: Dedicated AccessIndia list for discussing accessibility of mobile phones 
and Tabs.
Subject: [AI] For Millions of Indians with Disabilities making online 
payments is tough call


*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments online
seem like they’re just a swipe and a tap away, but for millions of Indians
with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society (CIS)
last month, many of the most-commonly used mobile apps for food delivery,
online payments, grocery shopping and transportation were not accessible to
people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the country
at 26 million, while advocacy groups say the real figure is closer to 150
million. Last year, India recorded nearly nine billion downloads of
mobile-based applications last year.

“The national policy for universal electronic accessibility says that all
IT products and services should be accessible. However, the government is
still unable to implement it. Several government apps are inaccessible,”
said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
government mobile based applications like My Gov, EPathshala and Prime
Minister Narendra Modi’s official app found them to be severely lacking.
The illiterate, aged and those not proficient in English would also
struggle with the apps, the study found. The guidelines for government
websites laid out accessibility standards in 2009. The 2013 national policy
on universal electronic accessibility clearly upholds equal rights
“ensuring that accessibility standards and guidelines and universal design
concepts are adopted and adhered to.”

However, most commonly-used apps fail to follow this. All 22 of the apps
studied were privately owned but not all were fully compliant with
universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber was
completely accessible to the disabled. The others had mis-labelled or
unlabeled buttons and graphics.

When it came to food delivery, Zomato was the best at replicating the user
experience for people with disabilities. Swiggy and Foodpanda were
difficult for new users, and Freshmenu was completely inaccessible.

Of the marketplace apps, Amazon and Snapdeal were the only accessible ones.
Myntra and Flipkart had incorrectly labelled buttons and misleading graphic
tags, which made them impossible for people with disabilities to use. For
instance, customers would be able to select the product they wanted to buy
but had no way of choosing the quantity, the study said. Online grocery
delivery apps Grofers and Zop Now were hard for people with disabilities to
use, while Big Basket was relatively better though pages change during
orders. Online payment portals Paytm, Oxigen and FreeCharge were relatively
accessible, the study found.

“Designers, developers and industries need to realize that there are more
people out there who use this technology .The market is much bigger and
they should work towards being inclusive,” said Narasimhan of CIS.

Albinder Dhinda, cofounder of grocery delivery service Grofers, said their
app meets all accessibility requirements. “However, the disability tools
provided by Google Play Store or the App Store often don’t benefit the user
and are hard for them to use. We are trying to make it better. Things like
online payments won’t be accessible to people with disabilities as those
apps are supported by third party sites, and don’t fall within our
settings. We’re trying to make it better. We’re three years behind the US,
in the playground they made. It’ll be a while before we reach their level,”
he said.

Source: Times of India

Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[George Abraham]

This is the fear! Digital India  could easily leave us out. 

-Original Message-
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf Of 
Sruti disAbility Rights Centre
Sent: 05 December 2016 15:49
To: Dedicated AccessIndia list for discussing accessibility of mobile phones 
and Tabs.
Subject: [AI] For Millions of Indians with Disabilities making online payments 
is tough call

*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments online
seem like they’re just a swipe and a tap away, but for millions of Indians
with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society (CIS)
last month, many of the most-commonly used mobile apps for food delivery,
online payments, grocery shopping and transportation were not accessible to
people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the country
at 26 million, while advocacy groups say the real figure is closer to 150
million. Last year, India recorded nearly nine billion downloads of
mobile-based applications last year.

“The national policy for universal electronic accessibility says that all
IT products and services should be accessible. However, the government is
still unable to implement it. Several government apps are inaccessible,”
said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
government mobile based applications like My Gov, EPathshala and Prime
Minister Narendra Modi’s official app found them to be severely lacking.
The illiterate, aged and those not proficient in English would also
struggle with the apps, the study found. The guidelines for government
websites laid out accessibility standards in 2009. The 2013 national policy
on universal electronic accessibility clearly upholds equal rights
“ensuring that accessibility standards and guidelines and universal design
concepts are adopted and adhered to.”

However, most commonly-used apps fail to follow this. All 22 of the apps
studied were privately owned but not all were fully compliant with
universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber was
completely accessible to the disabled. The others had mis-labelled or
unlabeled buttons and graphics.

When it came to food delivery, Zomato was the best at replicating the user
experience for people with disabilities. Swiggy and Foodpanda were
difficult for new users, and Freshmenu was completely inaccessible.

Of the marketplace apps, Amazon and Snapdeal were the only accessible ones.
Myntra and Flipkart had incorrectly labelled buttons and misleading graphic
tags, which made them impossible for people with disabilities to use. For
instance, customers would be able to select the product they wanted to buy
but had no way of choosing the quantity, the study said. Online grocery
delivery apps Grofers and Zop Now were hard for people with disabilities to
use, while Big Basket was relatively better though pages change during
orders. Online payment portals Paytm, Oxigen and FreeCharge were relatively
accessible, the study found.

“Designers, developers and industries need to realize that there are more
people out there who use this technology .The market is much bigger and
they should work towards being inclusive,” said Narasimhan of CIS.

Albinder Dhinda, cofounder of grocery delivery service Grofers, said their
app meets all accessibility requirements. “However, the disability tools
provided by Google Play Store or the App Store often don’t benefit the user
and are hard for them to use. We are trying to make it better. Things like
online payments won’t be accessible to people with disabilities as those
apps are supported by third party sites, and don’t fall within our
settings. We’re trying to make it better. We’re three years behind the US,
in the playground they made. It’ll be a while before we reach their level,”
he said.

Source: Times of India

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Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Ajay Minocha]

Hi,

It intirely depends on us if we want to see it half empty or half full.

On 12/5/16, Shyam M. Sayanekar  wrote:
> A very good and factbased article. In fact a lot of discussion on this issue
> should be unddertaken. Further, the risk factor involved in cashless
> transactions with regard to the VI also has to be taken into account.
> Non-availability of network, the phones getting out of range are also other
> issues. Professor Shyam M. Sayanekar
> - Original Message -
> From: "Sruti disAbility Rights Centre" 
> To: "Dedicated AccessIndia list for discussing accessibility of mobile
> phones and Tabs." 
> Sent: Monday, December 05, 2016 3:49 PM
> Subject: [AI] For Millions of Indians with Disabilities making online
> payments is tough call
>
>
>> *http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
>> *
>>
>> *BANGALORE, INDIA:* Booking cabs, buying food and making payments online
>> seem like they’re just a swipe and a tap away, but for millions of Indians
>> with disabilities, these apps are not designed for them to use.
>>
>>
>> According to a study conducted by Centre for Internet and Society (CIS)
>> last month, many of the most-commonly used mobile apps for food delivery,
>> online payments, grocery shopping and transportation were not accessible
>> to
>> people with vision disabilities. The study covered 22 apps.
>>
>> The 2011 census puts the number of people with disabilities in the country
>> at 26 million, while advocacy groups say the real figure is closer to 150
>> million. Last year, India recorded nearly nine billion downloads of
>> mobile-based applications last year.
>>
>> “The national policy for universal electronic accessibility says that all
>> IT products and services should be accessible. However, the government is
>> still unable to implement it. Several government apps are inaccessible,”
>> said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
>> government mobile based applications like My Gov, EPathshala and Prime
>> Minister Narendra Modi’s official app found them to be severely lacking.
>> The illiterate, aged and those not proficient in English would also
>> struggle with the apps, the study found. The guidelines for government
>> websites laid out accessibility standards in 2009. The 2013 national
>> policy
>> on universal electronic accessibility clearly upholds equal rights
>> “ensuring that accessibility standards and guidelines and universal design
>> concepts are adopted and adhered to.”
>>
>> However, most commonly-used apps fail to follow this. All 22 of the apps
>> studied were privately owned but not all were fully compliant with
>> universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber
>> was
>> completely accessible to the disabled. The others had mis-labelled or
>> unlabeled buttons and graphics.
>>
>> When it came to food delivery, Zomato was the best at replicating the user
>> experience for people with disabilities. Swiggy and Foodpanda were
>> difficult for new users, and Freshmenu was completely inaccessible.
>>
>> Of the marketplace apps, Amazon and Snapdeal were the only accessible
>> ones.
>> Myntra and Flipkart had incorrectly labelled buttons and misleading
>> graphic
>> tags, which made them impossible for people with disabilities to use. For
>> instance, customers would be able to select the product they wanted to buy
>> but had no way of choosing the quantity, the study said. Online grocery
>> delivery apps Grofers and Zop Now were hard for people with disabilities
>> to
>> use, while Big Basket was relatively better though pages change during
>> orders. Online payment portals Paytm, Oxigen and FreeCharge were
>> relatively
>> accessible, the study found.
>>
>> “Designers, developers and industries need to realize that there are more
>> people out there who use this technology .The market is much bigger and
>> they should work towards being inclusive,” said Narasimhan of CIS.
>>
>> Albinder Dhinda, cofounder of grocery delivery service Grofers, said their
>> app meets all accessibility requirements. “However, the disability tools
>> provided by Google Play Store or the App Store often don’t benefit the
>> user
>> and are hard for them to use. We are trying to make it better. Things like
>> online payments won’t be accessible to people with disabilities as those
>> apps are supported by third party sites, and don’t fall within our
>> settings. We’re trying to make it better. We’re three years behind the US,
>> in the playground they made. It’ll be a while before we reach their
>>  level,”
>> he said.
>>
>> Source: Times of India
>>
>> Register at the dedicated AccessIndia list for discussing accessibility of
>>
>> mobile phones / 

Re: [AI] For Millions of Indians with Disabilities making online payments is tough call

[Shyam M. Sayanekar]

A very good and factbased article. In fact a lot of discussion on this issue 
should be unddertaken. Further, the risk factor involved in cashless 
transactions with regard to the VI also has to be taken into account. 
Non-availability of network, the phones getting out of range are also other 
issues. Professor Shyam M. Sayanekar
- Original Message - 
From: "Sruti disAbility Rights Centre" 
To: "Dedicated AccessIndia list for discussing accessibility of mobile 
phones and Tabs." 

Sent: Monday, December 05, 2016 3:49 PM
Subject: [AI] For Millions of Indians with Disabilities making online 
payments is tough call




*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments online
seem like they’re just a swipe and a tap away, but for millions of Indians
with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society (CIS)
last month, many of the most-commonly used mobile apps for food delivery,
online payments, grocery shopping and transportation were not accessible 
to

people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the country
at 26 million, while advocacy groups say the real figure is closer to 150
million. Last year, India recorded nearly nine billion downloads of
mobile-based applications last year.

“The national policy for universal electronic accessibility says that all
IT products and services should be accessible. However, the government is
still unable to implement it. Several government apps are inaccessible,”
said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
government mobile based applications like My Gov, EPathshala and Prime
Minister Narendra Modi’s official app found them to be severely lacking.
The illiterate, aged and those not proficient in English would also
struggle with the apps, the study found. The guidelines for government
websites laid out accessibility standards in 2009. The 2013 national 
policy

on universal electronic accessibility clearly upholds equal rights
“ensuring that accessibility standards and guidelines and universal design
concepts are adopted and adhered to.”

However, most commonly-used apps fail to follow this. All 22 of the apps
studied were privately owned but not all were fully compliant with
universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber 
was

completely accessible to the disabled. The others had mis-labelled or
unlabeled buttons and graphics.

When it came to food delivery, Zomato was the best at replicating the user
experience for people with disabilities. Swiggy and Foodpanda were
difficult for new users, and Freshmenu was completely inaccessible.

Of the marketplace apps, Amazon and Snapdeal were the only accessible 
ones.
Myntra and Flipkart had incorrectly labelled buttons and misleading 
graphic

tags, which made them impossible for people with disabilities to use. For
instance, customers would be able to select the product they wanted to buy
but had no way of choosing the quantity, the study said. Online grocery
delivery apps Grofers and Zop Now were hard for people with disabilities 
to

use, while Big Basket was relatively better though pages change during
orders. Online payment portals Paytm, Oxigen and FreeCharge were 
relatively

accessible, the study found.

“Designers, developers and industries need to realize that there are more
people out there who use this technology .The market is much bigger and
they should work towards being inclusive,” said Narasimhan of CIS.

Albinder Dhinda, cofounder of grocery delivery service Grofers, said their
app meets all accessibility requirements. “However, the disability tools
provided by Google Play Store or the App Store often don’t benefit the 
user

and are hard for them to use. We are trying to make it better. Things like
online payments won’t be accessible to people with disabilities as those
apps are supported by third party sites, and don’t fall within our
settings. We’re trying to make it better. We’re three years behind the US,
in the playground they made. It’ll be a while before we reach their 
 level,”

he said.

Source: Times of India

Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:

http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in


Search for old postings at:
http://www.mail-archive.com/accessindia@accessindia.org.in/

To unsubscribe send a message to
accessindia-requ...@accessindia.org.in
with the subject unsubscribe.

To change your subscription to digest mode or make any other changes, 

[AI] For Millions of Indians with Disabilities making online payments is tough call

[Sruti disAbility Rights Centre]

*http://globalaccessibilitynews.com/2016/11/23/for-millions-of-indians-with-disabilities-making-payments-online-is-tough-call/
*

*BANGALORE, INDIA:* Booking cabs, buying food and making payments online
seem like they’re just a swipe and a tap away, but for millions of Indians
with disabilities, these apps are not designed for them to use.


According to a study conducted by Centre for Internet and Society (CIS)
last month, many of the most-commonly used mobile apps for food delivery,
online payments, grocery shopping and transportation were not accessible to
people with vision disabilities. The study covered 22 apps.

The 2011 census puts the number of people with disabilities in the country
at 26 million, while advocacy groups say the real figure is closer to 150
million. Last year, India recorded nearly nine billion downloads of
mobile-based applications last year.

“The national policy for universal electronic accessibility says that all
IT products and services should be accessible. However, the government is
still unable to implement it. Several government apps are inaccessible,”
said Nirmita Narasimhan, policy director at CIS. CIS’s survey of some key
government mobile based applications like My Gov, EPathshala and Prime
Minister Narendra Modi’s official app found them to be severely lacking.
The illiterate, aged and those not proficient in English would also
struggle with the apps, the study found. The guidelines for government
websites laid out accessibility standards in 2009. The 2013 national policy
on universal electronic accessibility clearly upholds equal rights
“ensuring that accessibility standards and guidelines and universal design
concepts are adopted and adhered to.”

However, most commonly-used apps fail to follow this. All 22 of the apps
studied were privately owned but not all were fully compliant with
universal standards. Of taxi-hailing apps Meru, Ola and Uber, only Uber was
completely accessible to the disabled. The others had mis-labelled or
unlabeled buttons and graphics.

When it came to food delivery, Zomato was the best at replicating the user
experience for people with disabilities. Swiggy and Foodpanda were
difficult for new users, and Freshmenu was completely inaccessible.

Of the marketplace apps, Amazon and Snapdeal were the only accessible ones.
Myntra and Flipkart had incorrectly labelled buttons and misleading graphic
tags, which made them impossible for people with disabilities to use. For
instance, customers would be able to select the product they wanted to buy
but had no way of choosing the quantity, the study said. Online grocery
delivery apps Grofers and Zop Now were hard for people with disabilities to
use, while Big Basket was relatively better though pages change during
orders. Online payment portals Paytm, Oxigen and FreeCharge were relatively
accessible, the study found.

“Designers, developers and industries need to realize that there are more
people out there who use this technology .The market is much bigger and
they should work towards being inclusive,” said Narasimhan of CIS.

Albinder Dhinda, cofounder of grocery delivery service Grofers, said their
app meets all accessibility requirements. “However, the disability tools
provided by Google Play Store or the App Store often don’t benefit the user
and are hard for them to use. We are trying to make it better. Things like
online payments won’t be accessible to people with disabilities as those
apps are supported by third party sites, and don’t fall within our
settings. We’re trying to make it better. We’re three years behind the US,
in the playground they made. It’ll be a while before we reach their level,”
he said.

Source: Times of India

Register at the dedicated AccessIndia list for discussing accessibility of 
mobile phones / Tabs on:
http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in


Search for old postings at:
http://www.mail-archive.com/accessindia@accessindia.org.in/

To unsubscribe send a message to
accessindia-requ...@accessindia.org.in
with the subject unsubscribe.

To change your subscription to digest mode or make any other changes, please 
visit the list home page at
http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in


Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..