Page 151 - The Digital Financial Services (DFS) Ecosystem

ITU-T Focus Group Digital Financial Services
Ecosystem

Financial Services (including Social Transfers)
• Digital Banking: the smart card is used for branchless banking and e-commerce. 35
• Other: NADRA partnered with the State Life Corporation of Pakistan to include insurance against accidental death for a nominal
charge built into the ID card fee. 36
• Social Transfers: The database was used to help distribute emergency aid relief in the wake of floods in 2010, 2011, and 2012,
and to internally displaced citizens. 37,38 In addition, NADRA supports the Benazir Income Support Program (BISP) to identify and
deliver aid to poor women through the SNIC. 39
Health
• Tracking services and treatment: vaccinations for children are tracked through the SNIC. 40
• Other: the SNIC supports biometric-based secure health insurance. 41
Election
• Voter registration 42
• Voting: citizens must have an identity card to cast a vote 43
• Monitoring: votes are cross-matched with biometric information to verify correct voting 44
Surveillance and Security
• Passport: the SNIC is acceptable at 100 international airports and adheres to ICAO rules for a machine-readable travel
document. 45
• SIM registration: owners of SIM cards must submit fingerprints to the Nadra database when registering their SIM cards, or
verify themselves against previously submitted biometric information.
46
4
3
2
7
8
5
6
9
1 Malik, 2014, Ibid., Ibid., Ahmad Jan, 2006, Gelb & Clark, 2013, NADRA, n.d.a, Ahmad Jan, 2006, NADRA, 2013, Kahn,
13
18
14
16
15
12
10
11
17
2012, Ibid., Ibid., Malik, 2014, Ibid., Kahn, 2012, Malik, 2014, Craig & Hussain, 2015, Malik, 2014, NADRA,
24
(n.d.b) Multi-Biometric Card., Malik, 2012, Ibid., Kahn, 2012, Malik, 2014, Ahmad Khan, 2014, NADRA, n.d.b, Malik,
23
21
19
25
22
20
2014, Kumar & Radcliffe, 2015, Pakistan Press Foundation, 2010, Malik, 2014, Pakistan Press Foundation, 2010, Malik,
28
26
27
30
29
38
37
36
33
34
32
31
2014, Ibid., Rehman, 2015, Malik, 2014, Khan, 2012, Malik, 2014, Ibid., Ibid., Zelazny, 2012, Malik, 2014,
35
40
39
42
41
Ibid., Ibid., Malik, 2014, Ibid., Yasif, 2015, Malik, 2014, Craig & Hussain, 2015.
43
46
45
44

123