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PwC 2
Work Allocation: Role of MeitY
PwC 3
DigiDhan Mission
PwC 4
Trend of digital payments
Target FY
2017-18
Growth in Digital Transactions 2500
(in crore)
983
552
369 328
255
119
62 81
PwC 5
Key NCMC Highlights
PwC 6
National Common Mobility Card – Advantages
The NCMC provides several advantages over traditional ticketing means to all
participants
01 02
Interoperability for passengers Lower cost of ticketing operation
The NCMC Card in tandem with FC
A single card for different modes of reduces the cost of ticketing operations.
transport provides a high degree of Further, the recurring cost of paper
convenience for passengers. They no tickets is eliminated
longer have to stand in multiple lines
for purchasing tickets
National
Common
03 Mobility Card 04
Improved efficiency Increased Accountability
The NCMC card plays a big role in
With the NCMC public transport
reducing fraud, and reducing cash
organizations can efficiently implement
handling and paper ticket cost. Further, it
complex tariff structures. The card also
enables timely MIS/feedback for better
makes it very simple for the automation of
planning and fleet utilization.
the daily reconciliation of fare collection
across different modes
The NCMC also tis in with the ‘Digital India’ initiative and helps the country move towards a less-cash
economy
PwC 7
Use Case – Customer avails multi-modal transport
services
Fare charging
from previous
mode has already
Bus Fare charged in User been updated
1 User avails of Before boarding user
2 NCMC according to 4 disembarks 5 NCMC
bus service STU rules via taps NCMC on
and boards
Certified FE Device certified NFC device
sub-urban rail
NPCI
STU AFCS
Issuer Host System
PwC 8
NCMC – Process Flow
User
Prepaid A/c
Clearing and
Settlement
AFCS Engine Credit Card
NPCI
Fare Rules m-Wallet
Grievance Redressal
Acquirer PTO E-ticketing
Platform system
Metro
1 2 3 4
AFCS engine transmits and
User approaches Acquirer accepts NCMC AFCS engine enabling
receives transactions from
multiple transport payment through devices driven multi-modal fare collection
Financial Institution (FI)
systems by certified software through NCMC
issuer host.
PwC 9
National Common Mobility Card – Ecosystem
Players
The National Payments Corporation of India have made several recommendations for the implementation of the National
Common Mobility Card across transit systems in a city.
1 2 3
The project management consultant is
responsible for managing the overall project,
Project Management Consultant liaising with the different stakeholders to
ensure that scope, cost and time goals are
adhered to.
PwC 10
Ecosystem Players – Roles (1/2)
The PMC will advise the authority on open source technology AFC vendor shall undertake integration
and various aspects of the project implementation as per responsibilities with required systems of FI such as
NCMC specification. Card Management System, Central Clearing House
and Smart Cards to ensure the acceptance of NCMC
The PMC will liaise with all stakeholders and act as the single cards.
point of contact between the transport authority and the FI
led consortium AFC vendor shall undertake responsibility to
provide EMV certified terminals/gate validators as
The PMC will also help to track the progress of the project per NCMC specification.
and advise to take necessary actions/steps to get the project
implemented within the stipulated timeline. AFC vendor shall strive to provide a cloud based
system to support synchronization of data.
Managing the
vendors Card Management
appointed by System
Ensuring the FI
strategic
and Highlighting
slippages in Central EMV
operational
objectives PMC implementation Clearing Certified
and provide
are aligned House Terminals
with recommendation
Transport
Org Provide inputs
towards designing Cloud based data
and developing AFC system
solution
PwC 11
Ecosystem Players – Roles (2/2)
Financial Institution
Procurement, Personalization and FI to ensure NCMC certified application Providing transaction clearing,
Issuance of contactless EMV to be installed in the reconciliation of accounts and
smart cards OS/Terminal/Metro gates/validators. money settlement functions
for all parties participating in
Design, develop and maintain The FI Contractor shall design, develop the common mobility smart
interoperable Smart Card and maintain the smart card top-up card program.
Application and Card Data format channels
FI should have the integrated
Physical top up avenues and setup FI should ensure the solution is capable platform with NPCI for
of web enabled online card money to accept NCMC cards issued by any clearance and settlement of
top-up other Banks. transactions.
PwC 12
Thank You
13