VISVESVARAYA TECHNOLOGICAL UNIVERSITY

Jnana Sangama, Belagavi-590018, Karnataka

A REPORT

On

AICTE ACTIVITY POINTS PROGRAMME

Facilitating 100% Digitized money transactions

Submitted in partial fulfillment of the requirements

For the award of the degree of

Bachelor of Engineering in
Electronics & Communication Engineering

Submitted by

NAME: ABHISHEK N USN: 1DB19EC002

DEPARTMENT OF ELECTRONICS AND COMMUNICATION ENGINEERING

DON BOSCO INSTITUTE OF TECHNOLOGY

Kumbalagodu, Mysore Road, Bangalore 560074
[2021-2022]
 ACKNOWLEDGMENT
The satisfaction and euphoria that accompany the successful completion of any
task would be incomplete without the mention of the people who made it possible and
under whose constant guidance and encouragement the task was completed.
I express my sincere gratitude to Wayanamac Education Trust, Don Bosco
Educational Institutions, for providing an opportunity and facilitating for the entire
duration of the AICTE Activity Point Phase 1.

My Heartfelt gratitude to Honorable Principal, Prof. Umashankar B S, Don

Bosco Institute of Technology, for facilitating and extending untiring support in the
successful completion of the AICTE Activity Point Phase 1.

I wish to thank our HOD, Dr. Maheshwarappa A N, Electronics and

Communication Engineering Department for helping us to successfully complete this
activity.

I acknowledge with deep sense of obligation, help and encouragement given by

our AICTE Coordinators Prof. Rashmi K T and Prof. Lakshmi Devi T R for
coordinating the entire duration of the activity.

I wish to thank the members of Kottagalu Grama Panchayat along with the
residents of Pitchanakere village for their support in implementing this activity.

Finally, I am very much thankful to all the faculty members of the Department
of Electronics and Communication Engineering, my friends and my parents for their
constant encouragement, support and help throughout the Period of activity
Conduction.

Successful execution of the project wouldn’t have been possible without the
support of Corporate and Institutional Volunteers.

Thanks and Regards

ABHISHEK N
1DB19EC002
Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

TABLE OF CONTENTS
Chapter Topic Page No.
No.

1 Introduction – About AICTE Activity Points Programme 1

and Activity Summary Sheet

2 Pre-planning /Preliminary Survey/Feasibility Study 3

3 Introduction to Digital India 5

4 Meaning of 100% Digitized Transactions 9

5 Activity Breakup 11

6 Conclusion 23

7 Appendices – Copy of appreciation letter and list of 24

students
Department of Electronics and Communication Engineering, AICTE Activity Phase 1 Report

Chapter 1

Introduction – About AICTE Activity Points Programme and Activity

Summary Sheet

AICTE Activity Points Programme is an ADDITIONAL REQUIREMENT FOR

EARNING 4 YEARS DEGREE PROGRAMME.

Apart from technical knowledge and skills, to be successful as professionals, students

should have excellent soft skills, leadership qualities and team spirit. They should have
entrepreneurial capabilities and societal commitment.

In order to match these multifarious requirements, AICTE has created a unique

mechanism of awarding Activity Points over and above the academic grades.

Activity Summary Sheet

Performance
Total appraisal/
Activity Head Duration/ Maximum Remarks
Week points/
activity

Facilitating 100% Digitized 2 weeks

money transactions 20 Accomplished
(80-90Hrs)

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Chapter 2

Pre-planning /Preliminary Survey/Feasibility Study

The objectives of AICTE student activity is to expose students to the real time life
challenges, to provide opportunities to gather data, analyze data, propose solutions and
implement solutions, provide an opportunity for personal development, to create engineers who
are proud volunteers having sense of achievement and ready to take up projects having social
impact and to create digital awareness.

As a part of earning AICTE activity points, I as a student of third year Electronics and
communication engineering along with my group, visited Pitchanakere village to educate the
residents about Digital Payments and also to facilitate the use of digital payment applications
and required formalities to set up digital payments interface at various shops by performing
various activity.

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The entire program was carried out on Sundays over the period of April-July 2022. Each day,
the program was done by interacting with the residents and creating awareness about digital
transactions and payment methods and setting up digital payment interfaces at shops. The
layout of the activity program is given below:

PROGRAM FLOW
Day Name of Activity Schedule

1. Introduction to Digital Banking 09:00AM-1:30PM

and Payment methods 2:00PM-4:30PM
Safety measures and precautions to be followed while 09:00AM-1:30PM
2. using Digital Banking and Payments 2:00PM-4:30PM
Awareness about requirements and rules for opening a new
09:00AM-1:30PM
3. bank account
2:00PM-4:30PM
Facilitating creation of new savings bank account digitally 09:00AM-1:30PM
4. 2:00PM-4:30PM
Linking of all required documents using online methods to 09:00AM-1:30PM
5. the savings bank account 2:00PM-4:30PM
Awareness about using Rupay/Debit and other payment 09:00AM-1:30PM
6. cards for Digital Transactions 2:00PM-4:30PM
Providing technical support to apply for new 09:00AM-1:30PM
7. Rupay/Debit cards 2:00PM-4:30PM
8. Awareness about using UPI for Digital payments 09:00AM-1:30PM
2:00PM-4:30PM
Facilitating for installing UPI for Digital Payments 09:00AM-1:30PM
9. 2:00PM-4:30PM
Providing technical support for KYC and other 09:00AM-1:30PM
10. requirements 2:00PM-4:30PM
Setting up QR Codes for accepting payments at different 09:00AM-1:30PM
11. stores. 2:00PM-4:30PM
Awareness about UPI account safety and critical 09:00AM-1:30PM
12. information 2:00PM-4:30PM

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Chapter 3

INTRODUCTION TO DIGITAL INDIA

The world today is not in any way similar to the kind of world it was six to eight decades ago.
Earlier, nobody knew what to do with a cell phone, a laptop or an internet connection. Today,
on the contrary, from every kid to every adult, everyone knows that they can survive any
situation if they have a good cell phone and a stable internet connection. The process of
digitization has been on the go for many years now, focusing on building a completely digital
future world.

3.1 The Advent of Digitization

The beginning of digitization can be said to date back to the time when computers first came
into existence. It has been evolving since then, and it has now transformed almost everything
human beings are associated with, including the way we communicate, shop, work, bank, play,
relax and keep ourselves entertained.
The era of digital transformation started moving forward with the introduction of magnetic
disks and random-access data by IBM. It was used in the United Airlines’ reservation
system for the first time in 1958. This was followed by back-to-back advancements.

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3.2 Going Digital

Scientists and researchers have been working hard to provide consumers with advanced and
improved digital technology every now and then. As discussed earlier, the digital revolution
commenced in the latter half of the twentieth century and has been evolving and always becoming
better. With major goals like financial inclusion, access to trade and commerce and enhancing
connectivity, the digital revolution has always taken a step forward with every new invention as it
provided the world with nothing but the best every single time. The whole world has now become
completely dependent on digital technology to the extent that every industry, irrespective of the
kind of service they provide, has shifted to using digital systems to work with. It is evident that
digital technology is not a choice anymore but an integral and fundamental part of every
organization. There is a growing and inevitable need for digitalization across different fields.
Even when you go in for an interview, there is one main prerequisite that is expected of you – are
you tech-savvy?
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3.3 Digital India

Being a developing country amidst the various other developed countries of the world, India
has been striving hard to keep up with the fast pace growth of the world around it. Digital India
is an initiative taken by the Government of India with a vision to make India a country that is
digitally empowered with improved online infrastructure. It was established by Prime Minister
Narendra Modi on the 1st of July, 2015, with the aim
of providing high speed internet network access to rural areas and improving their digital
literacy. Its main objectives are to work on digital empowerment, governance and
services and accessibility of digital infrastructure for each and every citizen.
Managed by a Monitoring Committee headed by the Prime Minister of India, a Digital India
Advisory Group under the leadership of the Minister of Communications and IT, and an Apex
Committee led by Cabinet Secretary, the Digital India campaign has completed six years of
innovative ideas and practical solutions that have been transforming the nation as a whole.
It has been working to provide opportunities for all citizens to be able to avail digital services,
governance, knowledge and information.
There have been a lot of advancements as part of the Digital India Programme that has
changed the country to a great extent. Some major milestones of Digital India are:
Aadhaar Cards – a biometric based digital identification system
Smart Cities Mission – urban renewal and development of cities
Government e-Marketplace (GeM) – a one-stop e-market for procurement of common
use goods and services
BharatNet – an initiative to provide broadband connections to each and every
village panchayat in the country
Bharat Interface for Money (BHIM) App – an app that lets everyone make simple
and quick transactions with the aid of Unified Payments Interface (UPI)
Study Webs of Active Learning for Young Aspiring Minds (SWAYAM) – an
application that delivers access to the best teaching and learning resources to all
teachers and students, irrespective of their social and economic status
myGov – an online platform set up with the view to build a partnership between
the citizens and the Government of India
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The Digital India campaign has been receiving worldwide acclaim and support. To quote a
few, Mark Zuckerberg’s promise to work on WiFi hotspots in all the rural areas of India,
Google’s commitment to provide broadband connections in five hundred railway stations and
Microsoft’s agreement to provide internet connectivity to five hundred thousand villages of
India are some of the much appreciable backings we have received in order to make the
dream of digitization of India come true.

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Chapter 4
MEANING OF 100% DIGITIZED TRANSACTIONS

Digital payments are transactions that take place via digital or online modes, with no physical
exchange of money involved. This means that both parties, the payer and the payee,
use electronic mediums to exchange money.
The Government of India has been undertaking several measures to promote and
encourage digital payments in the country. As part of the ‘Digital India’ campaign, the
government has an aim to create a ‘digitally empowered’ economy that is ‘Faceless,
Paperless, Cashless’. There are various types and methods of digital payments.
Please note that digital payments can take place on the internet as well as on physical
premises. For example, if you buy something from Amazon and pay for it via UPI, it
qualifies as a digital payment. Similarly, if you purchase something from your local
store and choose to pay via UPI instead of handing over cash,that also is a digital payment.

We have various methods of digital payment available in India. Some of them are:

• Banking Cards
• Unstructured Supplementary Service Data (USSD)
• Aadhaar Enabled Payment System (AEPS)
• Unified Payments Interface (UPI)
• Mobile Wallets
• Bank Prepaid Cards
• PoS Terminals
• Internet Banking
• Mobile Banking
• Micro ATMs

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Chapter 5
Activity Breakup
Day 1
Introduction to Digital Banking and Payment methods

As we reached the village on the first day, we were greeted by the curious and
excited faces of the village residents. We introduced ourselves and explained the purpose of
our visit to the village and about the activities that were to be conducted. The people were
very excited to interact with us. The members of Gram Panchayat and the village residents
welcomed us with a lot of appreciation.
We introduced the people to the basics of Digital Banking and explained about the various
payment methods and other digital payment practices.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day 2
Safety measures and precautions to be followed while using Digital Banking
and Payments
During this session, we explained the safety measures and precautions to be followed while
using digital banking and payments. We had prepared various charts and posters that helped
us in explaining the safety protocols and practices to be followed while using digital payment
systems. We explained about the critical importance of maintaining privacy and safety while
sending/accepting digital payments.

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Day 3
Awareness about requirements and rules for opening a new bank account
In this session, the people were given information about the different types of bank accounts that
can be opened and the documents that are necessary for opening a bank account. We also
explained about the interest and minimum balance policy of different bank accounts and their
advantages and disadvantages.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day 4
Facilitating creation of new savings bank account digitally

During this session, we helped the residents of village in creating a new bank account and
explained the advantages of opening a bank account digitally without having to travel physically
to the bank to open an account. We also setup a technical help desk to help people in ensuring
that no errors were committed while opening new bank accounts.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day 5
Linking of all required documents using online methods to the savings bank
account
In this session, after the new bank accounts were activated, we guided people through the
important documents that were to be linked with the bank account to ensure their account
identity was identified and no one else would we able to access their accounts. We also helped
them in linking the pan cards with aadhar cards which is an essential in today’s digital banking
procedure.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day 6
Awareness about using Rupay/Debit and other payment cards for Digital
Transactions
Once the savings bank accounts were setup and secured, in this session we began to create
awareness about the advantages of using digital payment methods over cash payments and the
most basic form of digital payments, i.e. Rupay/Debit cards which are helpful in both payments
of different bills and for other banking operations.

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Day
17
Providing technical support to apply for new Rupay/Debit cards

Once the people were aware about the new digital payment methods and their advantages,
they had many queries regarding the process of obtaining new Rupay/Debit cards. In order
to help them in this process, we setup a facility to apply for new cards online using the
digital banking applications and websites without having to visit the bank office.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day
18
Awareness about using UPI for Digital payments

In this session, we provided people with alternate modes of digital payments such as UPI
applications which can be user-friendly and safe for daily use. The people were excited to learn
about this system and had some queries which were answered to convince them to opt for UPI
payments over cash based payments. We explained about the wide choice of UPI applications
available and their features which could make their day to day business transactions hassle free
and safe.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day
19
Facilitating for installing UPI for Digital Payments

In this session, we helped the residents and local shop owners to choose from a variety of UPI
applications and to setup the same in their personal devices. The people were excited to see
such variety and explored various application, their features and charges and decided to install
the UPI applications of their choice.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day 10
Providing technical support for KYC and other requirements of UPI
applications

Once the UPI applications were installed, we helped the people with setting up their accounts
and linked their newly created savings bank account with their UPI applications to enable
cashless digital payments. We also provided technical support to complete their KYC
verification which is an important step for using UPI payment interfaces.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Day 11
Setting up QR Codes for accepting payments at different stores.

After setting the UPI payments in everyone’s devices, we explained them the steps to be
followed while making digital payments at any place of business. In order to ensure that the
small local shops were equipped to accept digital payments, we distributed QR codes linked
to their bank accounts which could be used to accept payments digitally.

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Day 12
Awareness about UPI account safety and critical information sharing practices
Once the residents of the village were completely equipped with all the necessary applications and
devices to send and accept digital payments, we finally concluded our activity by sharing
information about the UPI account safety and the importance of not sharing critical banking
related information such as OTP’s, bank account details, Card safety pin numbers or any other
critical information with anyone under any circumstances.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Chapter
23 CONCLUSION

Sincere thanks to Visvesvaraya Technological University, Belagavi, Department of

Electronics and Communication Engineering, Don Bosco Institute of Technology for the
opportunity, encouragement and support. A special thanks to the members of Kottagalu Grama
Panchayat along with the residents of Pitchanakere village for their valuable support throughout
the program.

This opportunity has given me a good chance to improve myself in extra social activities
such as soft skills, communication skills, leadership qualities, team coordination, personality
development, Time management and social commitments. It was indeed an efficient platform
to share and gain knowledge and certain skills to ensure growth in all aspects.

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

Chapter 7
Appreciation Letter

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Department of Electronics and Communication Engineering, DBIT AICTE Activity Phase 1 Report

List of Students

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