QUARTERLYPROGRESS REPORTQ3 (O c t - D ec 2020) FY 2020-21

ContentsFINANCIAL REPORT

OUR INNOVATIONS

CDFI OVERVIEW

KEY HIGHLIGHTS02

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01OVERVIEW

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CDFI was established in September 2014 with

funding support from Bill & Melinda Gates

Foundation, Michael and Susan Dell Foundation,

and institutional support from Institute for

Financial Management and Research (IFMR).

Since then, CDFI has grown into an innovative

and vibrant organization with office in Delhi.

In the course of six (6) years, CDFI has become

a leader in developing and supporting digital

innovations for social impact. Our focus is to

use technology to empower the poor and

excluded with tools and information and develop

mechanisms to sustain and scale such solutions.

CDFI has achieved considerable success in India

as innovator, collaborator and thought leader

in bringing change through technology. Our

success is underpinned by strong and passionate

team, coming from premier technology

and management institutes in the country.

We have developed and supported award-

winning innovative solutions for the social

sector that have impacted a large number

of citizens. These solutions are driving large

scale projects at the national and state level

in areas such as benefits delivery, data-driven

governance, agriculture, and literacy & outreach.

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WORK AREAS AND RELATED INNOVATIONSFOR SOCIAL IMPACT

Work Areas Innovation

Data Driven Governance

Mobile appbased data

collection & Big data analytics

platform

Benefit Delivery & Monitoring

Project tracking & fund

management platform

Agri-Business Digitization

Modular agri-business platform for

farmer producer organizations

Literacy & Awareness

Mobile based communication

platform

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Data-Driven Governance

Agri-Business Digitisation

Benefit Delivery

and Monitoring

Literacy and Awareness

UPPRO KisanProducer Company

limited

CURRENT PROJECT PARTNERS

Government of Meghalaya

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02KEY

HIGHLIGHTS

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Over 77,000 citizens monitored so far

Over 120 hospitals integrated under Coronacare Management System

21 entry points mapped across the state for end to end tracking

Over 0.3 million samples of citizens collected and tracked

Over 1.2 million IVR calls made to citizens

01Supporting Meghalaya Government curb spread of COVID – 19 through early detection, possible quarantining and providing/tracking medical interventions across the state

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Mobile app to register returning

migrants and record symptoms

Coronacare Management

System

Daily IVRphone calls to

track symptoms

Action dashboards

& alerts

The COVID Tracking System involves :

Monitor & track the entry of migrants/travellers into the state

Perform automated phone calls to COVID suspects, incoming migrants etc. across the state to

monitor their symptoms during the quarantine

Capture details of family, contacts and symptoms through home visits by health workers

Connect all hospitals and corona care centres in the state to enable registration and allocation of

beds for COVID patients, monitor their medication and analyse their recoveries

The system enables state administration to:

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State’s portal Meghealth.in, powered by CDFI’s analytics platform provides citizens with updates on the current COVID situation and other COVID related information/services.

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02Supporting Haridwar district administration in tracking COVID related symptoms through IVR based digital solution

CM reviewing the alerts which aresent to the officials

Daily IVR phone calls to track symptoms began on 12th Dec’ 20

Over 500 citizens being monitored through IVRS

IVR Dashboard for tracking COVID symptoms was launched by CM Trivendra Singh Rawat,

Uttarakhand on 11th December 2020. The IVR system enables district administration to make

automated phone calls to quarantined citizens and monitor their health status.

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Start date: 20th September 2019 | Status: Ongoing

Assisting Meghalaya Government drive & monitor health outcomes of pregnant mothers and newborns under the MOTHER initiative

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MOTHER Program has the following objectives:

Improve institutional deliveries across the state

Tracking and monitoring pregnant women throughout various stages of pregnancy

Timely healthcare and vaccination provided to newborns

ASHA workers & ANMs collect on ground data

through a simple mobile app

Administration at local level to Chief Minister’s

Office monitor progress & plan actions using live

dashboards

The approach involves :

Collecting data

digitally at source

Analyse & monitor

collected data

through action

dashboards

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Pregnancy Registration

Antenatal Check (ANC)Delivery details

Home Based New Born Care

• Order of pregnancy for

woman, such as 1st, 2nd

etc. • Any history of illness

of expecting mother, such

as TB, Diabetes etc.

• Essential tests taken by

mother or not such as HIV,

VDRL test etc.

• Basic parameters such as weight,

Hemoglobin, Blood Pressure etc.

• Information on various tests

conducted such as Urine test,

TT injection, Ultrasound tests

• Type of high risk cases identified,

such as Severe Anemia etc.

• Any danger signs such as high fever etc.

• Type of delivery : Home birth or

Institutional Delivery

• Who conducted delivery

• Any complications in delivery

• Any defect seen at birth

• Immunization doses given to newborn

• 7 visits by ASHA/ANMs post delivery• Any danger signs observed for new born• Vaccinations given to new born

Broad stages of data collection and parameters tracked

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Doctors from Rashtriya Bal Swasthya Karyakram (RBSK) are also using CDFI’s mobile app to collect health

related data on birth defects and disability identified in children. This data is collected at schools and

Anganwadi Centers

Under this Government of India program, care, support and treatment is provided to children till they are

18 years of age

MOTHER program won a Governance Now award in

the Cloud category for the year 2020

MOTHER program won a Skoch

Award for Data Driven Governance

More than 35,000 pregnant women being

monitored

Over 26,000 deliveries reported/

registered

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Start date: 15th October 2019 | Status: Ongoing

Redesigning National Rural Livelihood Mission’s (NRLM) data architecture & systems benefitting over 66.6 million SHG members

NRLM, a nation-wide mission under Ministry of Rural Development, is working to provide better

livelihood options to the poor through forming and supporting SHGs. CDFI is supporting NRLM,

under a BMGF funded project, in redesigning, developing, piloting and scaling NRLM’s core data

architecture & systems.

CDFI is designing & developing a micro-services and API based NRLM’s Core Data System

NRLM’s Core Data System (LokOS) will be a mini core banking system for SHG ecosystem

To test the newly developed LokOS, use cases will be piloted across specific locations in the country

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Scale of the program

Over 6.2

MN SHGs3.5 MN

Mahila Kisans250,000

Cadres

65,000 Village

Entrepreneurs

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As the scope of activities under NRLM has expanded significantly, CDFI is currently in discussion with

BMGF to seek additional funds.

Status of the initiative

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Digitizing agri-business operations of FPOs through KANCHI

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Kanchi is a web & mobile based platform used to manage agri-business operations of farmer

collectives such as selling inputs to farmers, leasing farm equipment, produce aggregation and

selling it in wholesale or retail.

Web and Mobile based moules of KANCHI

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Mobile versions of core modules of KANCHI are being developed.

• App stores documents of FPO

registration digitally

• Captures relevant farmer information

such as name, bank, land and crop

details etc. through QR code scanning

• Equipped with the facility for capturing

location of farmers

• Barcode based scanning feature

available for end to end tracking of

produce from buyers to sellers

• Allows produce to be scheduled

for pick-up, capturing it’s quality and

demanded price

Mobile app for Input center module currently being developed.

Mobile app for Farmer Data Repository module developed

Mobile App for Produce Aggregation module developed

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16,000 maize farmers in Nabrangpur, Odisha are being collectivized into FPOs under a BMGF funded project

Web & mobile app of Produce Aggregation module is now live

Two (2) FPOs formed in Umerkote and Raighar block

Details of 9,000+ farmers such as livestock, asset, land and crop details captured using KANCHI

Over 40 quintals of maize procured from farmers using the app for Produce Aggregation

Barcode based scanning to maintain complete tracking to produce from buying to selling

launched

Mobile app version of Produce Aggregation Scanning barcode on Maize bags

Start date: 1st November 2018 | Status: Ongoing

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Collaborating with UPPRO Kisan Producer Company Ltd. to digitise10 FPOs in Uttar Pradesh

Five (5) FPOs digitized with 2,700+ farmers on boarded on KANCHI platform

Mobile app for Farmer Data Repository (FDR) module is now live for FPOs in

5 districts of Uttar Pradesh

App for Farmer Data Repository

Start date: 1st December 2019 | Status: Ongoing

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Start date: 15th November 2019 | Status: Completed

Financial and business literacy imparted to more than 1,00,000 citizens across the country

In order to encourage entrepreneurship amongst the youth, SIDBI initiated ‘Mission Swavalamban’

under which it provided loans to SMEs/MSMEs, entrepreneurs and imparted business and financial

literacy

Under the initiative, CDFI helped SIDBI in engaging SMEs/MSMEs, entrepreneurs to access

business literacy courses through Swavalamban Entrepreneur Support System. This simple mobile app

and IVR mechanism is available to users in both Hindi and English

After covering 1,00,000+ entrepreneurs, the solution is now being handed over to SIDBI for future use

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Factors to be considered while setting up a business

Arranging finance for business operations

Maintaining account books and financial records

How to be an environmentally friendly business

Business plan development and loan application process

Some of the topics on financial & business literacy covered under the initiative:

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Mobile based Entrepreneur Support System

1,00,000+ People contacted

through call campaigns

Beneficiaries engaged via different mechanisms

55,782People who listened

to knowledge disseminated

through out bound call campaigns

1,025App

registrations

85,572 People

contacted through SMS

campaigns

10,694 People who

used IVRS facility

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Start date: 1st April 2020 | Status: Ongoing

iOS & Android based petition management & grievance redressal system for Government of Meghalaya

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CDFI has developed workflow based mobile app –FastTrack App to manage petitions/complaints from

initiation to resolution and to track progress at each stage for Govt. of Meghalaya.

Workflow of FastTrack App

Snapshots of Fast-Track mobile app

FastTrack App will help CM’s office in tracking petitions and in their quick & effective resolution

Android version of the app is ready; awaiting approval for iOS version from Meghalaya Govt.

App to be made available on both Google Play Store and Apple Store

Dashboard Petition/Issue Listing Providing more details about the

petition

Interactive Text, Audio, Image, Video

capabilities

Assigning petition/issue to 1 or more people

Receipt of petition from citizens

Petition assigned to concerned dept. by CM’s office

Concerned dept. takes action

Issue resolved and notified to citizen

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Start date: 1st April 2020 | Status: Ongoing

Developing & implementing an E-Learning platform for National Payments Corporation of India (NPCI)08

CDFI is developing an E-Learning platform and learning content for NPCI to create awareness on

and increasing adoption of its digital payments products. The platform will host courses related to

NPCI products in English as well as 12 Indian regional languages.

Citizens understand NPCI products

Merchants / SMEs use NPCI products for their payments needs

Partner banks learn how to operate the back end systems related to NPCI products

Content development for one banking module completed and three is underway

Significant delay from NPCI in honouring the payments has halted project activites

Development of remaining modules expected to restart next month

E-Learning Platform is expected to help:

Products/Services/Topics to be covered

BHIM UPI RuPay AePS NETC FASTAG

UPI Bank Operations RuPay Bank Operations AePS Bank Operations NFS Bank Operations

Current Status

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Screenshots of E-Learning Platform

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Start date: 1st April 2020 | Status: Ongoing

Research study to identify mechanisms to simplify Aadhaar update process09

Under Omidyar Network funded project, CDFI is conducting a research study for Digital Identity

Research Initiative (DIRI) at Indian School of Business (ISB) with following objectives:

Identify innovative mechanisms to

address the pain points in Aadhaar

updation for people from different

socio-economic backgrounds

High level technical, financial

and operational feasibility of

each recommendation

High level plan of

action to implement

top ideas

Qualitative study of 68 citizens who recently updated Aadhaar and Govt. officials who run these

centres

Quantitative study conducted with 1,000 participants across Maharashtra, Kerala, Rajasthan, Tripura

and Uttar Pradesh

Study has been completed and feedback from DIRI is being incorporated in the study report

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Start date : 21st October 2020 | Status: Completed

ED, CDFI headed a 3rd Party Evaluation Committee to analyse the impact of schemes launched for ‘Promotion of Digital Payments’ under the DIGIDHAN Mission

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Ministry of Electronics & Information Technology (MeitY) formed the Committee under the chairmanship

of Executive Director, CDFI along with representatives from RBI, SBI, Institute for Development and

Research in Banking Technology and Indian Institute for Public Administration

The Committee was tasked with evaluating the impact of incentive and awareness programs launched

under DIGIDHAN Mission to promote adoption of digital payments across the country

The Committee discussed the analysis done and provided their inputs and recommendations

CDFI to incorporate these inputs and recommendations and present the draft report to the

Committee in January

The Committee will then submit the final report to MeitY

MDR reimbursement scheme

BHIM Aadhaar merchant incentive scheme

Referral bonus schemesfor individuals

BHI-UPI merchantonboarding scheme

Cashback schemefor merchants

DIGIVAARTA

CDFI team analyzed following schemes and presented the analysis to the Committee:

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Start date : 16th December 2020 | Status: Initiated

Developing Assam Govt’s Digital Infrastructure for DBT Schemes 11

CDFI along with PwC won the bid to build Assam Govt’s digital infrastructure to enable delivery of

schemes in DBT mode. The proposed solution is being covered under Assam State Public Finance

Institutional Reforms (ASPIRe) project.

CDFI will support in requirement finalization by providing expertise in executing government

programs in DBT mode

CDFI will also support PwC team in finalizing data and application architecture, along with business

requirements

Currently discussions are undergoing on potential use of CDFI products / consulting services in DBT

space

Expected Outcomes

On time and faster

processing time of

benefit amount

Benefit amount to be directly

credited into beneficiary’s

bank account

Minimize exclusion/

inclusion errors

Increased convenience to

citizens on application for

schemes

Data driven design of

schemes

Enhance visibility into

processing and delivery

of services

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Start date: 24th April 2017 | Status: Ongoing

Advisory support to MoWCD for implementing PMMVY across the country

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CDFI continued to provide advisory support to the Ministry in tracking and improving PMMVY

implementation to achieve desired objectives.

13.7million

*Ministry has not released scheme data for last two quarters

Beneficiaries

enrolled

Beneficiaries

paid

Payments

made

31st March 2020

12.1million

₹ 50million

CDFI supports the Ministry in:

Appointing resources for programme management unit (PMU) and/or software development agency

(SDA)

Periodic review of scheme implementation and identification of actions for improvement

Policy design and technological design

Conducting workshops and capacity building exercises

PMMVY scheme related details are now also available on UMANG (Unified Mobile Application for

New-age Governance) app

CDFI’s engagement with the Ministry has been extended till 31st March 2021

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Start date: 1 August 2020 | Status: Completed

Developed a Trust Index Framework for mobile apps by analyzing their data & privacy policies for MeitY

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CDFI developed a trust framework in collaboration with MeitY, to assess mobile apps in terms of

control and privacy safeguards provided by them to users on their data.

The Framework was presented to MeitY secretary Shri Ajay Prakash Sawhney and his team, who have

shown interest in working with CDFI for developing mechanisms to implement the framework.

A proposal in this regard was then submitted to MeitY.

Key parameters used to develop the Trust Index Framework were data & privacy policy, user rights,

data collection, data usage & sharing, data storage & security and user’s control over data, consent

and access permissions

Methodology Adopted

DELHI

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