ISB- Digital identity Research Initiative | 2019
In this data brief, we categorize failure reasons of Aadhaar Enabled Payment System to understand the major deterrent to financial inclusion via Aadhaar Enabled Payment System using daily transaction level data for around 6 lakh customers for 31 months, from December 2014 to June 2017 for 11 states. We also analyze geographical patterns in failure.
We observe inter-state disparity in first-time transaction failure rates where Orissa had the least failure rate (32%) and Haryana had the maximum failure rate (49%). After categorizing the failure reasons, we find that the major reason for failures of first-time AePS transactions is ‘Aadhaar and Mobile number not seeded to Bank account’, ‘Insufficient funds’ etc.
Ashwini Chhatre is an Associate Professor of Public Policy and currently serves as the Executive Director of the Bharti Institute of Public Policy (BIPP) at the Indian School of Business (ISB). Professor Chhatre is an interdisciplinary scholar whose research interests broadly centre on the dynamic cross-scale interactions between governance, economic development, and environmental protection. He relocated to India from the US in 2014 to join the faculty at the Indian School of Business, Hyderabad. He spent 13 years in the US, including five in graduate school at Duke University, where he was awarded a PhD in Political Science. In 2006-07, Professor Chhatre became the first Giorgio Ruffolo Post-doctoral Fellow in Sustainability Science at Harvard University, before joining the Department of Geography and Geographic Information Science at the University of Illinois in Urbana-Champaign.
Between completing his BA in Economics from the University of Delhi in 1990 and starting his PhD at Duke University, he spent 11 years working in different parts of India, primarily as a community organiser and social activist on issues related to natural resources such as land, forests, and water. A background in Economics, graduate training in Political Science, and a long-standing engagement with scholarship in Geography, Anthropology, Landscape Ecology, and Environmental History ensure that his research is never confined to a single discipline.
Professor Chhatre’s main research interests lie in exploring the intersection of democracy, environment, and development, with a focus on decentralised forest governance, climate change vulnerability and adaptation, and multifunctional agriculture. Over the past 20 years, the scope of his research projects has ranged from household-level to global analysis, consistently bridging research, policy, and practice.
He was the founding Editor-in-Chief of World Development Perspectives (2016-19), served as Senior Editor of Conservation Letters (2009-2014), and has published one book and several articles in leading journals including Science, and PNAS.
