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Introduction
Key Ingredients of JAM
Now here starts the role of the JAM trinity.To prevent the leakages and maker, the whole system of benefits transfer to the real beneficiaries efficient is the main motive behind JAM.
1.Jan Dhan accounts –So that government can directly transfer benefits to the bank accounts of poor.
2. Aadhaar- So that government uniquely identify the real beneficiaries at the ground level.
3. Mobile – So that the recipients can access their money.
These three components collectively form JAM.It has enabled the real-time transfer of benefits to the targeted citizens very efficiently.
How JAM works?
Government always had the databases of the citizens to identify the targeted beneficiaries.Mostly these databases like Voter id, Driving License, BPL cards, etc. hampered regarding accuracy and legitimacy.This happens Due to administrative and political discretion lie in granting such ID proofs. Ghost and duplicate names crept in beneficiary’s list, leading to leakages of benefits. The virtue of Aadhaar card lies in the fact of using technology in place of human discretion.Also, using the technology that very simple to understand like iris and fingerprints scans.Biometrically enabled identification thus enabled unique identification of citizen. Creating a database that is reliable and certainly free of ghost and duplicate beneficiaries.
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