Featured

User Experiences of Digital Financial Risks and Harms

2023-12-22T16:05:26Z

The reach and use of digital financial services has risen in recent years without a commensurate increase in digital literacy and access. Through this project, supported by a grant from Google(.)org, we will examine the landscape of potential risks and harms posed by digital financial services, and the disproportionate risk that information asymmetry and barriers to access pose for users, especially certain marginalised communities.

Project Background

There is a big evidence gap in the understanding of the financial risks and harms experienced by users of digital financial services. Consequently, adequate consumer protection frameworks and processes to address these harms have been lagging. A survey of 32,000 Indian consumers found only 17% who lost money through banking frauds were able to recoup their funds. Filling this gap is crucial to inform responsive policy making, platform design and data governance.

While a lot more attention is paid to financial frauds and scams, through this study, we aim to situate these alongside experiences of harms that are understudied and sometimes overlooked. Users may also experience financial harm, when negatively impacted by:

Financial misinformation
Loss of control over their assets
Loss of potential income
Difficulty accessing social protection
Financial abuse perpetrated alongside other forms of domestic and family abuse
Unsustainable levels of debt, i.e. over-indebtedness, and
Exclusion from financial services

The Centre for Internet and Society is undertaking a mixed methods study to better understand user awareness, perceptions and experiences of digital financial risks and harms.

For this study, we will survey nearly 4000 users, with differing levels of access to digital devices, digital services and the internet, and undertake semi-structured interviews and focus group discussions with specific target groups and stakeholders. We aim to highlight the experiences of persons with disabilities, gender and sexual minorities, the elderly, women, and regional language first users; to better understand how discrimination and exclusion may increase their burden of risk when using digital financial services.

Key research questions guiding our project are:

How are digital financial risks understood and experienced by users of digital financial services? Which socioeconomic factors amplify risks for different user groups?
What concerns have emerged relating to data privacy, misinformation, identity theft and other forms of social engineering and mobile app based fraud?
How accessible are providers’ and government’s platform based reporting and grievance redressal systems?
What role can fintech platforms, social media platforms, banking institutions, and regulatory bodies play in reducing digital financial risks across the ecosystem?

Project Aims

Through this study, we aim to:

Assess the financial risks and harms users are exposed to when using social media, digital banking, and fintech platforms. While looking at general users, we will also specifically explore this experience for the elderly, gender and sexual minorities, regional language users and persons with visual disabilities.
Develop a framework to categorise the nature of vulnerabilities, risks and harms faced by the concerned user groups
Create a credible evidence base for key stakeholders with regards to experiences of digital financial risks and harm.
Provide recommendations for better policy and platform design to address harms, specifically those arising from lack of accessibility and information asymmetry.
Identify best practices to respond to digital risks and foster safety and equity in digital financial services

Come Talk to Us:

If you have experiences or insights to share, or if you're interested in learning more about our study, please reach out.

We also invite researchers, financial service providers, developers and designers of fintech platforms, and civil society organisations working on digital safety, to speak to us and help inform the study. You may contact garima@cis-india.org

Research Team: Amrita Sengupta, Chiara Furtado, Garima Agrawal, Nishkala Sekhar, Puthiya Purayil Sneha, and Yesha Tshering Paul

For more details visit https://cis-india.org/raw/user-experiences-of-digital-financial-risks-and-harms

Making Voices Heard

shweta — 2022-06-27T16:18:36Z

We are happy to announce the launch of our final report on the study ‘Making Voices Heard: Privacy, Inclusivity, and Accessibility of Voice Interfaces in India. The study was undertaken with support from the Mozilla Corporation.

We believe that voice interfaces have the potential to democratise the use of the internet by addressing limitations related to reading and writing on digital text-only platforms and devices. This report examines the current landscape of voice interfaces in India, with a focus on concerns related to privacy and data protection, linguistic barriers, and accessibility for persons with disabilities (PwDs).

The report features a visual mapping of 23 voice interfaces and technologies publicly available in India, along with a literature survey, a policy brief towards development and use of voice interfaces and a design brief documenting best practices and users’ needs, both with a focus on privacy, languages, and accessibility considerations, and a set of case studies on three voice technology platforms. Read and download the full report here

Credits

Research: Shweta Mohandas, Saumyaa Naidu, Deepika Nandagudi Srinivasa, Divya Pinheiro, and Sweta Bisht.

Conceptualisation, Planning, and Research Inputs: Sumandro Chattapadhyay, and Puthiya Purayil Sneha.

Illustration: Kruthika NS (Instagram @theworkplacedoodler). Website Design Saumyaa Naidu. Website Development Sumandro Chattapadhyay, and Pranav M Bidare.

Review and Editing: Puthiya Purayil Sneha, Divyank Katira, Pranav M Bidare, Torsha Sarkar, Pallavi Bedi, and Divya Pinheiro.

Copy Editing: The Clean Copy

For more details visit https://cis-india.org/internet-governance/blog/making-voices-heard

Making Voices Heard: Privacy, Inclusivity, and Accessibility of Voice Interfaces in India

shweta — 2019-12-18T12:10:05Z

We believe that voice interfaces have the potential to democratise the use of internet by addressing barriers such as accessibility concerns, lack of abilities of reading and writing on digital text interfaces, and lack of options for people to interact with digital devices in their own languages. Through the Making Voice Heard Project supported by Mozilla Corporation, we will examine the current landscape of voice interfaces in India.

Download the project announcement cards (shown above): Card 01, Card 02, and Card 03

Making Voices Heard: Project Announcement

Although voice enabled interfaces are being deployed there is a need to understand how they are beneficial, and what have been important knowledge gaps and challenges in their development, adoption, use, and regulation. Through the Making Voice Heard Project supported by Mozilla Corporation, we will be examining the current landscape of voice interfaces in India, and seek to address the following questions:

What is the broad (sectoral and functional) typology of available voice interfaces in Indian languages? How widely are these voice interfaces (in Indian languages) used, and what barriers prevent their further adoption and use?
What are concerns related to privacy and data protection that emerge with the growth of voice interfaces? What kind of protocols for data processing may need to be built into the design of these interfaces?
How accessible are these interfaces for persons with disabilities (PWDs)? What kinds of accessibility features, especially for Indian languages, may need to be developed to ensure effective use of voice technologies by PWDs?
Where do challenges in these three areas intersect? For instance, is compromising on users’ privacy, including weak or missing data protection regulations, required to create comprehensive speech datasets that may help develop better accessibility features, and address linguistic barriers?

In order to approach these questions we have begun mapping the various developers and users of voice interfaces in India. In the next stage of the process we will be looking at these interfaces through the lens of privacy, language, accessibility, and design. In order to add to the mapping and questions, we will be conducting interviews and workshops with users, developers, designers and researchers of voice interfaces in India, including the Common Voice team at Mozilla.

We hereby invite researchers, developers and designers of voice interfaces to speak to us and help inform the study. You may contact Shweta Mohandas at shweta@cis-india.org.

- Shweta Mohandas, Saumyaa Naidu, Puthiya Purayil Sneha, and Sumandro Chattapadhyay (project team)

For more details visit https://cis-india.org/raw/making-voices-heard-project-announcement

Global Accessibility Awareness Day 2017

praskrishna — 2017-05-16T05:51:45Z

The Centre for Internet & Society along with Prakat Solutions and Mitra Jyothi is co-hosting the Global Accessibility Awareness Day in Bengaluru on May 18, 2017.

Global Accessibility Awareness Day is celebrated across the world on the 3rd Thursday in May every year to create an awareness in making technology accessible and usable by persons with disabilities. While people may be interested in the topic of making technology accessible and inclusive, the reality is that they often do not know how or where to start, Awareness comes first.

The purpose of GAAD is to get everyone talking, thinking and learning about digital (web, software, mobile, etc.) access/inclusion and people with different disabilities.

To mark this day, Prakat Solutions will be hosting an event filled with lightning talks, workshops and a lot of other activities. You can also view a series of short videos about why accessibility is important with contributions from some of the greatest minds in accessibility today.For us as a company, Global Accessibility Awareness Day is quite special. Other awareness days that we participate in focus on a specific group of people. Today, is not about a specific group of people, today is about each and every one of us.

Watch the Video on What is GAAD

For more details visit https://cis-india.org/accessibility/events/global-accessibility-awareness-day-2017

National Compendium of Laws, Policies, Programmes for Persons with Disabilities

nirmita — 2016-02-05T02:16:36Z

This compendium was compiled by the Centre for Internet & Society in collaboration with the Office of the Chief Commissioner for Persons with Disabilities, Department of Disability Affairs, Ministry of Social Justice & Empowerment, Government of India. Prasanna Kumar Pincha, Chief Commissioner for Persons with Disabilities, has written the Foreword.

Preface

India, one of the longest continuous civilizations in the world is also home to one of the largest populations of persons with disabilities. According to the 2011 census, around 2.21% of its population or around 26.8 million people have disabilities of some form or the other. While the country is developing rapidly, persons with disabilities are often left out of the process. Sometimes they are completely neglected from consideration and measures do not take into account their needs by virtue of being non inclusive. On other occasions, there may be special measures for some disadvantaged groups, but persons with disabilities may not be recognised as a separate group, with distinctive needs.

Overall, there is a clichéd understanding about the needs and abilities of persons with disabilities, limiting efforts made towards their progress. Even in cases where some effort has been made, information about these measures is not available to persons with disabilities and their family members, who are consequently unable to avail of them. Additionally, the insensitivity of rules/ schemes/ procedures/ persons makes it difficult for persons with disabilities to benefit from them. However, regardless of the reason, the fact remains that there is a huge gap in the communication of information from policy makers, administrators and law makers to persons with disabilities as well as their family members, organisations and other concerned groups and institutions.

It is extremely important to bridge this information gap in order to enable persons with disabilities to participate equally in development. Better access to information will enable them to avail of schemes/provisions for their benefit and will consequently enable governments to assess whether they have made adequate provision in various domains as well as identify gaps which need to be addressed.
Finally, accessibility of information will also facilitate the participation of government and persons with disabilities in implementation of measures and increase transparency and accountability

With this aim in mind, The Hans Foundation decided to engage with Centre for Internet and Society (CIS) to put together a comprehensive resource on disability related policies across India. It gives us great pleasure to publish this resource and we hope that it be of great help to the community.

Ms. Sweta Rawat
Chairperson
The Hans Foundation

Click to download the PDF version of the book here. (File size 1.72 Mb approx.)

For more details visit https://cis-india.org/accessibility/blog/national-compendium-of-laws-policies-programmes-for-persons-with-disabilities

Open Letter to PM Modi on Intellectual Property Rights issues on His Visit to the United States of America in September, 2015

Pranesh Prakash and Nehaa Chaudhari — 2015-09-25T06:43:12Z

This is an open letter by CIS to the Prime Minister, Shri Narendra Modi in light of his impending visit to the USA. This letter asks the Prime Minister to urge the USA to ratify the Marrakesh Treaty; and asks that India not be a party to TPP negotiations, in light of recent reports on a study encouraging India to join the TPP.

Shri Narendra Damodardas Modi
Hon’ble Prime Minister of India
152, South Block, Raisina Hill
New Delhi-110011

22 September, 2015

Dear Sir,

We write on behalf of the Centre for Internet and Society, India [1], a Bangalore and New Delhi based not-for-profit organization engaging in research on among others, accessibility for persons with disabilities, intellectual property rights, openness and access to knowledge. Over the past fifteen months, we have welcomed and support certain initiatives of our government as being in line with some of our research interests, specifically, the "Make in India" and "Digital India" initiatives, and your vision of a digitally empowered India, as we have noted in an earlier open letter to you. [2]

This letter is in light of your visit to the United States of America (“USA”) this month, to articulate a two-fold request: first, that during the course of your visit you request the government of the USA to ratify the Marrakesh Treaty for visually impaired persons (“Marrakesh Treaty”); [3] and second, that the Indian government not enter into any negotiations around the Trans-Pacific Partnership trade agreement (“the TPP”).

On the Marrakesh Treaty

According to figures by the World Blind Union, approximately 90% of all published material is not accessible to blind or print disabled people. [4] The severity of the ‘book famine’ experienced by the world’s estimated 300 million blind or otherwise print or visually disabled people (of which an estimated 63 million are in India) was highlighted by India in its Closing Statement at the Diplomatic Conference convened to conclude the Marrakesh Treaty. [5] India has historically been a strong advocate of the spirit of the Marrakesh Treaty, becoming the first country to ratify it in June, 2014. [6] Amendments in 2012 to India’s copyright law predated the signature to the Marrakesh Treaty. These amendments created disability and works neutral exceptions to our copyright law, well beyond the mandate of the Marrakesh Treaty.

The true realization of the promise of the Marrakesh Treaty however will remain a distant dream until the treaty comes into effect (three months) after 20 Member States have ratified it or acceded to it. [7] According to information available from the World Intellectual Property Organization [8], this number is currently only 9, and the USA is not one of the countries to have done so. The USA is home [9] to some of the largest publishers of both academic and other/leisure material including Penguin Random House, Harper Collins, John Wiley & Sons, the RELX Group, McGraw-Hill Education, Scholastic and Cengage Learning to name a few. It accounts for a large volume of the world’s book and other print material export. The active participation of the USA through the ratification of the Marrakesh treaty is critical if the treaty is to be truly effective.

During your visit, we urge you request the government of the United States of America to ratify the Marrakesh Treaty at the earliest. This will bring us one important step closer to eradicating the book famine.

On the TPP

We are concerned after reports [10] of a recent study authored by C Fred Bergsten that encourages India to join the TPP. On this front, we are in complete agreement with the reported statement of the Hon’ble Ambassador Shri Arun K. Singh, where he disagrees with some of the findings and analysis of this recent report. [11]

The TPP has come into severe criticism [12] over the years [13] from a vast multitude [14] of sources [15] (including a group of 30 law professors in 2012) [16] across the various countries that are a party to the negotiations. Among others and most relevant to us as an organization is the criticism around the secrecy of negotiations [17] as well as the content of the chapter on intellectual property in the TPP. It is our belief that eventually, India stands to lose as a result of the TPP [18] with its possible adverse impact on our economy. [19]

The rigid intellectual property protections (including criminal penalties for unintentional copying) [20] sought to be enforced through the TPP would benefit only US pharmaceutical and entertainment industries. [21] These provisions (among others) mandate the inclusion of TRIPS plus provisions in national laws, envisage possible extensions in term of protection on patents, restrict copyright exceptions and limitations, extend copyright protection terms and impose a higher liability on intermediaries; [22]all of which would be disastrous for an emerging economy such as India’s, which is a heavy user of intellectual property and not a heavy producer of the same.

Historically, India has been a supporter of a transparent, multilateral decision making process, a commitment to which was also reiterated recently by the Hon’ble Minister of State for Commerce and Industry, Smt. Nirmala Sitharaman. [23]India has also raised many of its concerns (on the secrecy of the negotiations as well as substantive provisions themselves) around the TPP and its close cousin, the Anti-Counterfeiting Trade Agreement (“ACTA”) in 2011 [24] and 2012 [25] at the World Trade Organization (“WTO”) TRIPS Council and on the ACTA in 2010, also at the WTO Trips Council. [26]

In light of the above, we strongly urge the Indian government to not engage in negotiations on the TPP. At a minimum, we would request that any engagement in TPP negotiations be preceded by national consultations on the same, soliciting input from various stakeholders with diverging interests, including academia, civil society, industry associations, large Indian corporations, small and medium enterprises and multi- national corporations, rights holders associations and other interest groups.

We thank you for the opportunity to present these views to you. We do hope that you will consider these suggestions favourably, in the interests of India’s economic and social development. We welcome any opportunity to assist you with any queries you may have with regard to these submissions.

Thank you.

Yours truly

(For the Centre for Internet and Society, India)

Pranesh Prakash, Policy Director
Nehaa Chaudhari, Programme Officer

Copies to:

Smt. Smriti Zubin Irani, Minister for Human Resource Development, Government of India.
Prof. (Dr.) Ram Shankar Katheria, Minister of State for Human Resource Development (Higher Education), Government of India.
Smt. Nirmala Sitharaman, Minister of State for Commerce and Industry, Government of India.
Shri Vinay Sheel Oberoi, Secretary (Department of Higher Education), Ministry of Human Resources Development, Government of India, Government of India.
Shri Amitabh Kant, Secretary (Department of Industrial Policy and Promotion), Ministry of Commerce and Industry, Government of India.

(Edit - 25 September, 2015) - The following people have reached out to us in support of this letter and have expressed a desire to have their signatures placed on record as support. We wish to acknowledge the same.

Prof. Dinesh Abrol - Convenor, National Working Group on Patent Laws and WTO
Dr. B. Ekbal - President, Democratic Alliance for Knowledge Freedom, Kerala
T.C. James - President, NIPO
Dr. Suman Sahai - Chairperson, Gene Campaign
Dr. Biswajit Dhar - Professor, Centre for Economic Studies and Planning, School of Social Sciences, Jawaharlal Nehru University

[1]See generally http://cis-india.org/ (last accessed 22 September, 2015).

[2]Rohini Lakshane, Open Letter to Prime Minister Modi, available at http://cis-india.org/a2k/blogs/open-letter-to-prime-minister-modi (last accessed 22 September, 2015); Centre for Internet and Society/Rohini Lakshane, Digital India & Make in India : Form a patent pool of critical mobile technologies – CIS India, available at http://www.medianama.com/2015/03/223-digital-india-make-in-india-form-a-patent-pool-of-critical-mobile-technologies-cis-india/ (last accessed 22 September, 2015).

[3]The Marrakesh Treaty to Facilitate Access to Published Works by Visually Impaired Persons and Persons with Print Disabilities adopted on June 27, 2013. Treaty text and other official documentation available at http://www.wipo.int/treaties/en/ip/marrakesh/ (last accessed 22 September, 2015).

[4]World Blind Union, Marrakesh Treaty – Right to Read Campaign, available at http://www.worldblindunion.org/English/our-work/our-priorities/Pages/right-2-read-campaign.aspx (last accessed 22 September, 2015).

[5]Pranesh Prakash, India’s Closing Statement at Marrakesh on the Treaty for the Blind, available at http://cis-india.org/a2k/blogs/india-closing-statement-marrakesh-treaty-for-the-blind (last accessed 22 September, 2015).

[6]Nehaa Chaudhari, India’s Ratification of the Marrakesh Treaty Celebrated; Accessible Books Consortium Launched, available at http://cis-india.org/accessibility/blog/indias-ratification-of-marrakesh-treaty-celebrated (last accessed 22 September, 2015).

[7]Article 18 of the Marrakesh Treaty.

[8]World Intellectual Property Organization, WIPO Administered Treaties: Contracting Parties > Marrakesh VIP Treaty (Treaty not yet in force), available at http://www.wipo.int/treaties/en/ShowResults.jsp?lang=en&treaty_id=843 (last accessed 22 September, 2015).

[9]Publishers Weekly, The World’s 57 Largest Book Publishers, 2015, available at http://www.publishersweekly.com/pw/by-topic/international/international-book-news/article/67224-the-world-s-57-largest-book-publishers-2015.html (last accessed 22 September, 2015).

[10]S Rajagopalan, US Report Pushes India to Join the Trans-Pacific Partnership, available at http://www.dailypioneer.com/world/us-report-pushes-india-to-join-trans-pacific-partnership.html (last accessed 22 September, 2015); Indo-Asian News Service on NDTV, India Can Boost Exports by $500 Billion with Trade Liberalization: Study, available at http://www.ndtv.com/india-news/india-can-boost-exports-by-500-billion-with-trade-liberalization-study-1218887 (last accessed 22 September, 2015); Raghavendra M., India can boost exports by $500 billion with trade liberalization: study, available at http://www.americanbazaaronline.com/2015/09/18/india-can-boost-exports-by-500-billion-with-trade-liberalization-study/ (last accessed 22 September, 2015); Press Trust of India in the Business Standard, India can boost exports by USD 500 bn by joining the TPP: report, available at http://www.business-standard.com/article/pti-stories/india-can-boost-exports-by-usd-500-bn-by-joining-tpp-report-115091701149_1.html (last accessed 22 September, 2015); Seema Sirohi, India must expand its trade before it gets left behind in the race, available at http://blogs.economictimes.indiatimes.com/letterfromwashington/india-must-expand-its-trade-before-it-gets-left-behind-in-the-race/ (last accessed 22 September, 2015).

[11]S Rajagopalan, US Report Pushes India to Join the Trans-Pacific Partnership, available at http://www.dailypioneer.com/world/us-report-pushes-india-to-join-trans-pacific-partnership.html (last accessed 22 September, 2015)

[12]Natasha Lennard, Noam Chomsky: Trans-Pacific Partnership is a “neoliberal assault”, available at http://www.salon.com/2014/01/13/chomsky_tpp_is_a_neoliberal_assault/ (last accessed 22 September, 2015); Zach Carter and Ryan Grim, Noam Chomsky: Obama Trade Deal a ‘Neoliberal Assault’ to ‘Further Corporate Domination’, available at http://www.huffingtonpost.com/2014/01/13/noam-chomsky-obama-trans-pacific-partnership_n_4577495.html?ir=India&adsSiteOverride=in (last accessed 22 September, 2015); Sean Flynn;, Margot E Kaminski, Brook K Baker and Jimmy H Koo., "Public Interest Analysis of the US TPP Proposal for an IP Chapter" (2011). PIJIP Research Paper Series. Paper 21. http://digitalcommons.wcl.american.edu/research/21 (last accessed 22 September, 2015).

[13]BBC News, TPP: What is it and why does it matter?, available at http://www.bbc.com/news/business-21782080 (last accessed 22 September, 2015);

[14]For a compilation on writing on the TPP see James Love, Trans-Pacific Partnership (TPP also known as the TPPA), available at http://keionline.org/tpp (last accessed 22 September, 2015); see also American University Program on Information Justice and Intellectual Property, Trans-Pacific Partnership, available at http://infojustice.org/tpp (last accessed 22 September, 2015).

[15]Zach Carter, Alan Grayson on Trans-Pacific Partnership: Obama Secrecy Hides ‘Assault on Democratic Government’, available at http://www.huffingtonpost.com/2013/06/18/alan-grayson-trans-pacific-partnership_n_3456167.html?ir=India&adsSiteOverride=in (last accessed 22 September, 2015); James Love, KEI analysis of Wikileaks leak of TPP IPR text, from August 30, 2013, available at http://keionline.org/node/1825 (last accessed 22 September, 2015); Ian Verrender, The TPP has the potential for real harm, available at http://www.abc.net.au/news/2015-03-16/verrender-the-tpp-has-the-potential-for-real-harm/6321538 (last accessed 22 September, 2015).

[16]Sean Flynn, Law Professors Call for Trans-Pacific Partnership (TPP) Transparency, available at http://infojustice.org/archives/21137 (last accessed 22 September, 2015).

[17]Sachie Mizohata, "The Trans-Pacific Partnership and Its Critics: An introduction and a petition," The Asia-Pacific Journal, Vol. 11, Issue 36, No. 3, available at http://japanfocus.org/-Sachie-MIZOHATA/3996/article.html (last accessed 22 September, 2015).

[18]Vijay Rajamohan, Trans-Pacific Partnership – Should India Join this Mega Trade Deal?, available at http://swarajyamag.com/world/trans-pacific-partnership-should-india-join-this-mega-trade-deal/ (last accessed 22 September, 2015).

[19]Sylvia Mishra, How will the Trans-Pacific Partnership affect India?, available at http://www.observerindia.com/cms/sites/orfonline/modules/analysis/AnalysisDetail.html?cmaid=85684&mmacmaid=85685 (last accessed 22 September, 2015).

[20]Gabrielle Chan, Trans-Pacific Partnership: a guide to the most contentious issues, available at http://www.theguardian.com/world/2013/dec/10/trans-pacific-partnership-a-guide-to-the-most-contentious-issues (last accessed 22 September, 2015).

[21]James Love, New leak of TPP consolidated text on intellectual property provides details of pandering to drug companies and publishers, available at http://www.keionline.org/node/2108 (last accessed 22 September, 2015); Vijay Rajamohan, Trans-Pacific Partnership – Should India Join this Mega Trade Deal?, available at http://swarajyamag.com/world/trans-pacific-partnership-should-india-join-this-mega-trade-deal/ (last accessed 22 September, 2015) referencing Paul Krugman.

[22]William New, Leaked TPP Draft Reveals Extreme Rights Holder Position Of US, Japan, Outraged Observers Say, available at http://www.ip-watch.org/2014/10/17/leaked-tpp-draft-reveals-extreme-rights-holder-position-of-us-japan-outraged-observers-say/ (last accessed 22 September, 2015).

[23]Lalit K Jha, India not being left out of global trade pacts: Minister, available at http://www.thestatesman.com/news/business/india-not-being-left-out-of-global-trade-pacts-minister/91679.html (last accessed 22 September, 2015).

[24]Thirukumaran Balasubramaniam, WTO TRIPS Council: India raises concerns on ACTA and TPPA on discussion of “Trends in the Enforcement of IPRs”, available at https://donttradeourlivesaway.wordpress.com/2011/10/29/wto-trips-council-india-raises-concerns-on-acta-and-tppa-on-discussion-of-trends-in-the-enforcement-of-iprs/ (last accessed 22 September, 2015).

[25]Thirukumaran Balasubramaniam, 28 Feb 2012: Intervention delivered by India at WTO TRIPS Council on IP Enforcement Trends noting concerns with ACTA and TPPA, available at http://keionline.org/node/1376 (last accessed 22 September, 2015).

[26]Kanaga Raja, ACTA comes in for criticism at the TRIPS council, available at http://www.twn.my/title2/wto.info/2010/twninfo100606.htm (last accessed 22 September, 2015).

For more details visit https://cis-india.org/a2k/blogs/open-letter-on-intellectual-property-rights-issues-during-your-visit-to-the-united-states-of-america-in-september-2015

Inclusive Financial Services - Global Trends in Accessibility Requirements

nirmita — 2015-05-03T06:55:49Z

Inclusive Financial Services is a G3ict White Paper researched in cooperation with the Centre for Internet and Society. The research paper comprises a Foreword and Introduction, four chapters — Barriers to Access for Persons with Disabilities and Diverse Abilities, International Framework, Integrating Accessibility into the System, and State of Practice - Impact of the Convention on Inclusive Finance and Accessibility Efforts around the Globe.

Foreword

Global demand for accessibility continues to grow, due in part to the strengthening voice worldwide of more than one billion people with disabilities, including the aging population, and important frameworks, such as the United Nations Convention on the Rights of Persons with Disabilities. From a private sector standpoint, the Convention represents a unique opportunity to ensure equal access to information while achieving global harmonization of standards and economies of scale. Understanding that technology is the great equalizer for underserved populations and having a clear roadmap towards inclusive information and communications technologies (ICT), rather than simple compliance strategies, will benefit everyone in every industry.

Specifically, the financial services sector is faced with the need to transform operations while providing truly exceptional customer experiences. Disruptive trends -- such as the aging population, influx of mobile devices and global regulations – are driving demand for more human-centric technology, and creating an opportunity for innovation that are proving to be differentiators for the institutions embracing them. Consumer demand to be in control of interactions and information is forcing those in financial services to reconsider what’s important to stay competitive. By offering an online experience through any device personalized to individual needs, preferences and abilities, organizations can ensure they are reaching the broadest base of the population, especially the “unbanked” and “underbanked,” to enhance interactions and improve sales opportunities.

Customers with lifelong disabilities or age-related impairments represent an increasingly large population among the biggest markets in the world such as OECD countries and China. Also, in many countries aging persons are the holders of a majority of the assets and highly dependent on insurance, retirement and banking services. Ensuring they can use the services they need without encountering accessibility barriers is a powerful way to earn their loyalty in a highly competitive environment.

IBM has a long tradition and culture of accessibility and understands the importance of improving the user experience, managing accessibility compliance, and creating an inclusive workplace environment. Consistent with our own experience, this report highlights the organizational and process adjustments needed to ensure everyone has equal access to timely information they need for work and life.

By creating a holistic strategy for embedding accessible technology across the entire enterprise - from processes to product development to people – organizations can reinvigorate individual channels and harmonize them across the bank. G3ict has written this timely publication for the financial services sector that provides a clear picture of the global forces at work that are transforming how employee- and client-facing applications, products and services are delivered to reach the broadest set of customers. The report also serves as a useful benchmarking source for governments and advocates based on its review of existing solutions already implemented around the world. We applaud G3ict for taking this first step on the road of advocating for greater accessibility of financial services in cooperation with stakeholders from around the world.

Ian Hurst, General Manager, Global Financial Services Sector, IBM Corporation
Frances W. West, Chief Accessibility Officer, IBM Corporation

Introduction

Financial services play a necessary and important role in societies by enabling access to products, resources, and services, enabling savings and asset creation, and facilitating economic self-sufficiency. Access to financial services for all is a necessity in today’s world not simply at the community or household level, but at an individual level, to open doors to banking services, credit services, stocks and shares, insurance, and other markets. Access to and inclusion in financial services is crucial to poverty reduction and participation in economic prosperity and growth and development.

The increasing pervasiveness of technology in the delivery of financial services and the disruption of traditional channels of delivery through ‘FinTech’ (technology for financial service delivery) have generated new enthusiasm and newer ways for reaching out to persons who remain unbanked. Similarly, the increasing nature of services now available through technology has triggered growing demand among persons who remained marginalized from traditional paper-based banking services, as well as calls to ensure that they do not in turn create new barriers to access. Accompanying this growth spurt in technology there has also been an increasing recognition of the rights of persons with disabilities and the utmost importance of providing equal access to them to all services, including financial services.

Persons with disabilities and diverse abilities have been amongst those traditionally marginalized from the financial services sector through a mix of inaccessibility, presumptions of limited need and capacity to manage finances, and mindsets that did not view them as a profitable consumer base. This paradigm is now rapidly changing with growing evidence of their demand and need for access to services as well as the increasing income base of persons with disabilities around the world. Persons with disabilities and diverse abilities are demanding better and easier access to the entire range of financial services. Access to and inclusion in financial services is important to persons across the economic spectrum. And for persons with disabilities who live under the poverty line, it is essential that they are involved in financial inclusion initiatives and programs that will empower them and enable them to become financially independent.

A range of factors are serving as drivers to enhance the inclusion of persons with disabilities and diverse abilities through accessible financial services including demographics, attaining a competitive advantage and improving market share nationally and globally, Corporate Social Responsibility, regulations, legislation and compliance, enhancing business value, ensuring and increasing an inclusive workplace for employees with disabilities, maximizing on technology advances, and ensuring diversity and inclusion for all.

This report offers an introduction and overview to the need for, and mechanisms to achieve accessibility in financial services:

Chapter 1 offers an understanding of the barriers posed by inaccessible financial services to persons with different disabilities.

Chapter 2 highlights the different international mandates and frameworks that are accelerating the promotion of financial inclusion for persons with disabilities.

Chapter 3 offers in-depth descriptions of the accessibility needs based on the type of technology in use, along with examples of effective practices and solutions to promote inclusion. It also offers a look at how different countries are striving to achieve the accessibility mandate.

Chapter 4 focuses on the state of practice of financial inclusion for persons with disabilities across countries and the implementation of the Convention’s requirements for ICT accessibility and financial inclusion. This chapter describes findings from two major studies undertaken by G3ict that paint a picture of the state of financial accessibility today and offer a glimpse into the financial sector’s commitment to incorporate accessibility into their work and services in the future.

Finally, in the Conclusions section, the report offers recommendations for relevant stakeholders to incorporate the principles of inclusion to drive accessibility through product design and delivery, policy and legal structures, and distribution channels and pathways.

Download the report

For more details visit https://cis-india.org/accessibility/blog/inclusive-financial-services-global-trends-in-accessibility-requirements

Availability and Accessibility of Government Information in Public Domain

sunil — 2014-12-30T01:25:12Z

The information provided on most Government websites such as Acts, notifications, rules, orders, minutes of meetings and consultations, etc. is usually in the form of electronic documents. However, these lack authenticity and accessibility and cannot be (text) searched., This policy brief identifies the problem areas with the current work flow being used to publish documents and proposes suitable modifications to make them easy to locate, authentic and accessible.

Prepared by Sunil Abraham, Nirmita Narasimhan, Beliappa, and Anandhi Viswanathan and with inputs from Dipendra Manocha, Saksham, and Deepak Maheshwari, Symantec. Download the text as PDF here. (96 Kb)

Problem Statement: The information published on most government websites exist in the form of document files [including but not limited to the Acts, Rules and Regulations, Government Orders and Notifications, Consultation Papers, Reports etc.] which, even when published, more often than not lack authenticity and accessibility and cannot be (text) searched.

Analysis: The current workflow towards publishing documents on government websites is broadly as follows:

The document is born digital – that means it is created on a computer.
The document is printed.
The document is stamped with the official seal and signed in ink by the authorized person(s).
The paper document is scanned.
The scanned image is converted into a PDF file.
The document is uploaded on the website and thereby published in the public domain.

In fact, at times, even gazette notifications and other printed documents are also scanned as images.

This approach has numerous problems, including the following:

First and foremost, such a practice is against the letter and spirit of Section 4 (1) (a) of the Right to Information Act, 2005.[1] that inter alia, mandates every public authority to “maintain all its records duly catalogued and indexed in a manner and form which facilitates the right to information under this Act and ensure that all records that are appropriate to be computerised are, within a reasonable time and subject to availability of resources, computerised and connected through a network all over the country on different systems so that access to such records is facilitated”.
This does not realize the enabling provision of the Information Technology Act, 2000[2] which gives legal sanctity to digital signatures. The digital image of a physical signature is not a digital signature in the eye of the law, though at times it is mistakenly believed to be so.
This does not address the problem of repudiation. That means a government official can say “I didn't sign that document” and there is no way to tell whether what he or she is saying is true. One of the key features of digital signatures is non-repudiability.
Scanned images of printed text cannot be searched for specific text (character, word or phrase) even by people without disabilities but for people with disabilities, the documents become totally inaccessible since the accessibility software cannot parse such scanned images – against the underlying tenets and objectives of the National Universal Electronic Accessibility Policy 2013.[3]
As an extension, content of such documents cannot be indexed by search engines (such as Google, Bing and Raftaar, etc.) and hence, unlikely to be located even if technically the same are in the public domain.

Proposed Solution: The following work flow is proposed for publishing documents electronically on government websites:

The document is born digital by preparing it in or through a computer system. Documents in Indian languages should be produced using Unicode based fonts.
The government official authorized to sign the same, must sign it digitally.
The document is uploaded in an open standard based format such as EPUB using a content management system and made available on the website such that it is available, accessible, indexable and searchable.

This will ensure democratization of information in its truest sense – making available information to the public at large and ensuring that it can be easily located and remains accessible to one and all.

The process of formatting should be standardized in such a way that semantics (such as heading styles, lists and tables) can be added to the text of the document. The Web Style Guide provides information on good practices for creating well-structured documents:

Standardizing the formatting process by creating different templates for different types of documents will ensure uniform accessibility of the documents as well as provide a standard look and feel across government documents.

India became a global pioneer by making the legal provision for computerised, indexed and duly catalogued public records. It is high time that India takes the lead by living up to the legislative intent under the Right to Information Act, Information Technology Act and the National University of Educational Planning and Administration, and thereby establishes a global best practice.

Admittedly, legacy documents should also be converted electronically to accessible formats though before such a rendering, due editorial oversight may be necessary along with use of technologies such as Optical Character Recognition (OCR).

[1]. Government of India. The Right to Information Act, 2005. No. 22 of 2005. Retrieved on November 30, 2014 from http://rti.gov.in/webactrti.htm.

[2]. Government of India. The Information Technology Act, 2000. No. 21 of 2000. Retrieved on November 30, 2014 from http://deity.gov.in/sites/upload_files/dit/files/downloads/itact2000/itbill2000.pdf

[3]. Government of India. National Policy on Universal Electronic Accessibility. 2013. Retrieved on November 30, 2014 from http://deity.gov.in/sites/upload_files/dit/files/National Policy on Universal Electronics(1).pdf

For more details visit https://cis-india.org/accessibility/blog/availability-and-accessibility-of-government-information-in-public-domain

India's Ratification of the Marrakesh Treaty Celebrated; Accessible Books Consortium Launched

nehaa — 2014-07-01T11:09:08Z

On Day 1 of the 28th Session of the World Intellectual Property Organization (“WIPO”) Standing Committee on Copyright and Related Rights (“SCCR”), the WIPO organized an event to mark India’s ratification of the Marrakesh Treaty to Facilitate Access to Published Works for Persons Who Are Blind, Visually Impaired or Otherwise Print Disabled, 2013 (“Marrakesh Treaty”), and to launch the Accessible Books Consortium (“ABC”).

India Becomes the First Country to Ratify the Marrakesh Treaty

Francis Gurry, Director General, WIPO said that the Marrakesh Treaty received 79 signatures in the twelve month period that the treaty was open for signatures. He further said that India’s ratification of the Marrakesh Treaty one year from its conclusion was a “WIPO record of sorts” and a “great example from a major country” of the importance attached to the Marrakesh Treaty.

Dilip Sinha, Ambassador and Permanent Representative of India to the United Nations in Geneva handed over India’s Instrument of Accession to the Marrakesh Treaty to Francis Gurry. Ambassador Sinha in his speech stressed on the importance of the Marrakesh Treaty to India and said that it helped that India had its amendments to its Copyright Act, 1957 in place, incorporating the provisions of the Marrakesh Treaty.

Maryanne Diamond, the Immediate Past President of the World Blind Union (“WBU”) congratulated India on its ratification. Calling it a country who showed “huge leadership” in negotiations of the Marrakesh Treaty, Ms. Diamond said that this ratification was extremely significant, with India being home to a large number of blind and print disabled people and a part of the Global South. Ms. Diamond urged other nations to follow India’s example and make it a priority to ratify the Marrakesh Treaty.

Jens Bammel, Secretary General, International Publishers Association (“IPA”) also congratulated India on its ratification of the Marrakesh Treaty and called on other member states to ratify it.

Accessible Books Consortium Launched

At the launch of the ABC, Mr. Gurry said that the Marrakesh Treaty was only the means to an end, where the end was books in the hands of print disabled and visually impaired persons across the world. “To make it operational,” said Mr. Gurry, “we need to have operational activities.” He said that the ABC was an operational activity which would “breathe life” into and “make operational” the legal framework provided by the Marrakesh Treaty.

What Does it Do?

Mr. Gurry said that the ABC aimed at achieving three things- first, capacity building; second, international book exchange and third, international book exchange.

Capacity Building- Mr. Gurry said that the ABC seeks to provide training on accessible book production and distribution. He thanked the Republic of Korea which has committed to providing financial assistance for training in respect of production of books in accessible formats.
International Book Exchange- Mr. Gurry said that this activity was an IT supported facility, namely, the TIGAR Service which has its origins in India. This would allow participating institutions to perform international searches of databases to find out if accessible formats of books are available.
Inclusive Publishing- Mr. Gurry said that at the end of the day, “books should be born accessible” and technology was creating the “promise of the realization of this aspiration.” Mr. Gurry said that the ABC would promote accessible publishing and to this end, had drawn up a charter of accessible publishing- Accessible Publishing Best Practice Guidelines for Publishers. Elsevier is the first publisher to have signed this charter.

India, WBU and IPA delighted

Praising the ABC, Ambassador Sinha called it an indicator of what multi-stakeholder cooperation needs to do. He said that the ABC would assist organizations such as the DAISY Forum of India in achieving the goal of access to books in accessible formats. Congratulating the WIPO for its efforts on this front, Ambassador Sinha said that this would help nations like India realize their goal of achieving the purposes of the Marrakesh Treaty. Ms. Diamond, representing the WBU congratulated Elsevier on signing the charter. Jens Bammel, on behalf of the IPA expressed concern for making books available in accessible formats for non English speakers. The ABC, he said, was a project initiated to “genuinely complement” the Marrakesh Treaty, and would create a global catalogue of accessible works, whether provided by libraries or by publishers. Expressing his delight that the ABC was being supported equally by all stakeholders, Mr. Bammel reached out to member states to support this initiative politically.

For more details visit https://cis-india.org/accessibility/blog/indias-ratification-of-marrakesh-treaty-celebrated

Enabling Elections

nirmita — 2014-05-10T00:12:00Z

For making the 2014 General Elections in India participatory and accessible for voters with disabilities the Centre for Law and Policy Research and the Centre for Internet and Society have come up with a report. The report addresses the barriers that people with disabilities face during elections and recommends solutions for the same.

Executive Summary

The report examines three main areas:

The barriers that people with disabilities face at the time of elections.
The legal framework around this issue.
The measures which need to be taken to eliminate the barriers in the pre-voting phase, during voting phase and also post-voting phase, so as to enhance the participation of voters with disabilities.

Access to the public sphere and full political participation is a matter of right for persons with disabilities and the state is constitutionally mandated to enforce this right. The rights of voters with disabilities are examined under the constitutional provisions, the Representation of People’s Act 1951, the relevant directions of the Supreme Court and the international conventions. This report also considers international best practices while making recommendations, to the extent that they are suitable and practical in the Indian context.

This report looks at Electoral Participation in two dimensions:

“Pre-electoral Participation” and
“Actual Electoral Participation”

The report then goes on to make recommendations for enhancing accessibility in both these categories.

On Pre-electoral Participation, the report inter alia recommends the following:

Opportunities for people with disabilities to participate in public consultations.
Immediate outreach programs for higher voter registrations.
Making election material and candidate guides available in different formats such as large print, Braille and audio formats upon request so that voters can have full knowledge of the candidate they want to vote for.
Providing information for voters about locations which have special access, wheelchair facilities, technological assistance for visually impaired, etc.

On Actual Electoral Participation, we inter alia recommend the following:

Accessible polling sites.
Training election staff to be sensitive to diverse needs of voters.
Enabling privacy and independent voting by persons with disabilities.
Arranging for mobile polling booths.
Making EVM’s compatible and accessible such as by providing for Braille, large print.
Tactile buttons, 'sip and puff' and audio devices.

The report also recommends the need to monitor participation of voters with disabilities in the forthcoming elections.There is a need to collect data, surveys and studies in the pre-election, election and post-election phases.

Click here to download and read the full report (PDF, 4.5 MB)

For more details visit https://cis-india.org/accessibility/blog/enabling-elections

Institute for Internet & Society 2014, Pune

samantha — 2014-04-07T11:31:23Z

Last month, activists, journalists, researchers, and members of civil society came together at the 2014 Institute for Internet & Society in Pune, which was hosted by CIS and funded by the Ford Foundation. The Institute was a week long, in which participants heard from speakers from various backgrounds on issues arising out of the intersection of internet and society, such as intellectual property, freedom of expression, and accessibility, to name a few. Below is an official reporting summarizing sessions that took place.

Day One

February 11, 2014

Time	Detail
9.30 a.m. – 9.40 a.m.	Introduction: Sunil Abraham, Executive Director Centre for Internet and Society
10.00 a.m. – 10.15 a.m.	Introduction of Participants
10.15 a.m. – 12.00 p.m.	Internet Governance and Privacy: Sunil Abraham
12.00 p.m. – 12.30 p.m.	Tea-break
12.30 p.m. – 1.00 p.m.	Keynote: Bishakha Datta, Filmmaker and Activist, and Board Member, Wikimedia Foundation
1.00 p.m. – 2.00 p.m.	Lunch
1.30 p.m. – 3.00 p.m.	Participant Presentations
3.00 p.m. – 3.15 p.m.	Tea Break
3.15 p.m. – 4.45 p.m.	Histories, Bodies and Debates around the Internet: Nishant Shah, Director-Research, CIS

This year’s Internet Institute, hosted by the Centre for Internet & Society (CIS), kicked off in Pune to put a start to a week of learnings and discussions surrounding internet usage and its implications on individuals of society. Twenty two attendees from all over India attended this year, from backgrounds of activism, journalism, research and advocacy work.

Attendees were welcomed by Dr. Ravina Aggarwal, Program Officer for Media Rights & Access at the Ford Foundation, the event’s sponsor, who started off the day by introducing the Foundation’s initiatives in pursuit of bridging the digital divide by addressing issues of internet connectivity.

Internet Governance & Privacy, Sunil Abraham
The Institute’s first session was led by Sunil Abraham, Executive Director of CIS, and engaged with issues of internet governance and privacy with reference to four stories: 1) a dispute between tweeters from the US and those in South Africa over the use of hashtag #thingsdarkiesays, which is said not to be as racially derogatory as it is in the US; 2) Facebook’s contested policies on photos featuring users breastfeeding, 3) a lawsuit between Tata and Greenpeace over the organization’s use of Tata’s logo in a video game created for public criticism of their environmentally-degrading practices, and lastly, 4) the case of Savita Bhabhi, an Indian pornographic cartoon character which had been banned by India’s High Court and which had served as a landmark case in expanding the statutory laws for what is considered to be pornographic.

Each of these stories has one major thing in common: due to their nature of taking place over the internet, they are not confined to one geographic location and in turn, are addressed at the international level. The way by which an issue as such is to be addressed cuts across State policies and internet intermediary bodies to create quite a messy case in trying to determine who is at fault. Such complexity illustrates how challenging internet governance can be within today’s society that is no longer restricted to national or geographic boundaries.

Sunil also goes on in explaining the relationship between privacy, transparency, and power, summing it up in a simple formula; privacy protection should have a reverse relationship to power—the more the power, the less the privacy one should be entitled to. On the contrary, a direct correlation goes for power and transparency—the more the power, the more transparent a body should be. Instead of thinking about these concepts as a dichotomy, Sunil suggests to see them as absolute rights in themselves—instrumental in policies and necessary to address power imbalances.

The Web We Want, Bishakha Datta
The Institute’s kickoff was also joined by Indian filmmaker and activist, Bishakha Datta, who had delivered the keynote address. Bishakha bridged together notions of freedom of speech, surveillance, and accessibility, while introducing campaigns that work to create an open and universally accessible web, such as the Web We Want and Sexuality and Disability. Bishakha stresses how the internet as a space has altered how we experience societal constructs, which can be easily exhibited in how individuals experience Facebook in the occurrence of a death, for example. Bishakha initiated discussion among participants by posing questions such as, “what is our expectation of privacy in this brave new world?” and “what is the society we want?” to encompass the need to think of privacy in a new way with the coming of the endless possibilities the internet brings with it.

Histories, Bodies and Debates around the Internet, Nishant Shah
CIS Research Director, Nishant Shah, led a session examining internet as a technology more broadly, and our understandings of it in relation to the human body. Nishant proposes the idea that history is a form of technology, as well as time, itself, for which our understanding only comes into being with the aid of technologies of measurement. Although we are inclined to separate technology from the self, Nishant challenges this notion while suggesting that technology is very integral to being human, and defines a “cyborg” as someone who is very intimate with technology. In this way, we are all cyborgs. While making reference to several literary pieces, including Haraway’s Cyborg: Human, Animus, Technology; Kevin Warwick’s Living Cyborg; and Watt’s small world theory, Nishant challenges participants’ previous notions of how one is to understand technology in relation to oneself, as well as the networks we find ourselves implicated within.

Also brought forth by Nishant, was the fact that the internet as a technology has become integral to our identities, making us accessible (rather than us solely making the technology accessible) through online forms of documentation. This digital phenomenon in which we tend to document what we know and experience as a means of legitimizing it can be summed in the modern version of an old fable: “If a tree falls in a lonely forest, and nobody tweets it, has it fallen?”

Nishant refers to several case studies in which the use of online technologies has created a sense of an extension of the self and one’s personal space; which can then be subject to violation as one can be in the physical form, and to the same emotional and psychological effect—as illustrated within the 1993 occurrence referred to as “A Rape in Cyberspace.”

Attendee Participation
Participants remained engaged and enthusiastic for the duration of the day, bringing forth their personal expertise and experiences. Several participants presented their own research initiatives, which looked at issues women face as journalists and as portrayed by the media; amateur pornography without the consent of the woman; study findings on the understandings of symptoms of internet addiction; as well as studies looking at how students engage with college confession pages on Facebook.

Day Two

February 12, 2014

Time	Detail
9.30 a.m. – 11.00 a.m.	Wireless Technology: Ravikiran Annaswamy, CEO and Co-founder at Teritree Technologies
11.00 a.m. – 11.15 a.m.	Tea-break
11.15 a.m. – 12.45 p.m.	Wired Technology: Ravikiran Annaswamy
12.45 p.m. – 1.30 p.m.	Lunch
1.30 p.m. – 3.00 p.m.	Network, Threats and Securing Yourself: Kingsley John, Independent Consultant
3.00 p.m. – 3.15 p.m.	Tea Break
3.15 p.m. – 4.45 p.m.	Practical Lab: Kingsley John
4.45 p.m. – 5.00 p.m.	Wrap-up: Sunil Abraham

Day Two of the Institute entailed a more technical orientation to “internet & society” across sessions. Participants listened to speakers introduce concepts related to wired and wireless internet connectivity devices and their networks, along with the network of internet users and how one may secure him or herself while “online.”

Wireless & Wired Technology, Ravikiran Annaswamy
Senior industry practitioner, Ravikiran Annaswamy had aimed to enable the Institute’s participants to “understand the depth and omnipresent of telecom networks” that we find ourselves implicated within. Ravikiran went through the basics of these networks—including fixed line-, mobile-, IP-, and Next Generation IP-networks—as well as the technical structuring of wired and wireless broadband. Many participants found this session to be particularly enriching as their projects aimed to provide increased access to internet connectivity to marginalized areas in India, and had been without the know-how to go about it.

Network, Threats and Securing Yourself, Kinglsey John
An instructional session on how to protect oneself was given by Kingsley John, beginning with a lesson on IP Addresses—what they are and the different generations of such, and how IP addresses fit into a broader internet network. Following, Kingsley demonstrated and explained email encryption through the use of software, Kleopatra, and how it may be used to generate keys to encrypt emails through Thunderbird mail client.

Evening Discussion

A handful of participants voluntarily partook in an evening discussion, looking at the role of big players in the global internet network, such as Google and Facebook, how they collect and utilize users’ data, and what sorts of measures can be taken to minimize the collecting of such. Due to the widely varying backgrounds of interest among participants, those coming from this technical orientation towards the internet were able to inform their peers on relevant information and types of software that may be found useful related to minimizing one’s online presence.

Day Three

February 13, 2014

Time	Detail
9.30 a.m. – 11.00 a.m.	Free Software: Prof. G. Nagarjuna, Chairperson, Free Software Foundation
11.00 a.m. – 11.15 a.m.	Tea-break
11.15 a.m. – 12.45 p.m.	Open Data: Nisha Thompson, Independent Consultant
12.45 p.m. – 1.30 p.m.	Lunch
1.30 p.m. – 3.00 p.m.	Freedom of Expression: Bhairav Acharya, Advocate and Adviser, Centre for Internet and Society
3.00 p.m. – 3.15 p.m.	Tea-break
3.15 p.m. – 4.45 p.m.	Copyright: Nehaa Chaudhari, Program Officer, Centre for Internet and Society

The third day of the Internet Institute incorporated themes presented by speakers ranging from free software, to freedom of expression, to copyright.

Free Software, Prof. G. Nagarjuna
Chairman on the Board of Directors for the Free Software Foundation of India, Professor G. Nagarjuna shared with the Institute’s participants his personal expertise on software freedom. Nagarjuna mapped for us the network of concepts related to software freedom, beginning with the origins of the copyleft movement, and also touching upon the art of hacking, the open source movement, and what role software freedom plays in an interconnected world.

Nagarjuna looks at the free software movement as a political movement in the digital space highlighting the user’s freedoms associated to the use, distribution, and modification of software for the greater good for all. This is said to distinguish this movement from that of Open Source—a technical and more practical development-oriented movement. The free software movement is not set out to compromise the fundamental issues for the sake of being practical and in that sense, ubiquitous. Instead, its objective is “not to make everybody use the software, but to have them understand why they are using the software,” so that they may become “authentic citizens that can also resonate why they’re doing what they’re doing. We want them to understand the ethical and political aspects of doing so,” Nagarjuna says.

Open Data, Nisha Thompson
Participants learned from Nisha Thompson on Open Data; what it is, its benefits, and how it is involved in central government initiatives and policy, as well as civil society groups—generally for uses such as serving as evidence for decision making and accountability. Nisha explored challenges concerning the use of open data, such as those pertaining to privacy, legitimacy, copyright, and interoperability. The group looked at the India Water Portal as a case study, which makes accessible more than 300 water-related datasets already available in the public space for use from anything from sanitation and agriculture to climate change.

Freedom of Expression, Bhairav Acharya
Bhairav Acharya, a constitutional lawyer, traced the development of the freedom of speech and expression in India. Beginning with a conceptual understanding of censorship and the practice of censorship by the state, society, and the individual herself, Bhairav examines the limits traditionally placed by a nation-state on the right to free speech.

In India, modern free speech and censorship law was first formulated by the colonial British government, which broadly imported the common law to India. However, the colonial state also yielded to the religious and communitarian sensitivities of its subjects, resulting in a continuing close link between communalism and free speech in India today. After Independence, the post-colonial Indian state carried forward Raj censorship, but tweaked it to serve to a nation-building and developmental agenda. Nation-building and nationalism are centrifugal forces that attempt to construct a homogenous 'mainstream'; voices from the margins of this mainstream (the geographical, ethnic, and religious peripheries) and of the marginalised within the mainstream (the poor and disadvantaged), are censored.

Within this narrative, Bhairav located and explained the evolution of the law relating to press censorship, defamation, obscenity, and contempt of court. Free speech law applies equally online. Broadly, censorship on the internet must survive the same constitutional scrutiny that is applied to offline censorship; but, as technology develops, the law must innovate.

Copyright, Nehaa Chaudhari
CIS Programme Officer, Nehaa Chaudhari examined the concept of Copyright as an intellectual property right in discussing its fundamentals, purpose and origins, and Copyright’s intersection with the internet. Nehaa also explained the different exceptions to Copyright, along with its alternatives, such as opposing intellectual property protection regimes, including the Creative Commons and Copyleft. Within this session, Nehaa also introduced several cases in which Copyright came into play with the use of the internet, including Hunter Moore’s “Is Anyone Up?” website, which had showcased pornographic pictures obtained by submission bringing rise to the phenomenon of “revenge porn.” Instances as such blur the lines of what is commonly referred to as intellectual property, and what specific requirements enables one to own the rights to such.

Day Four

February 14, 2014

Time	Detail
9.30 a.m. – 11.00 a.m.	E-Accessibility and Inclusion: Prashant Naik, Union Bank
11.00 a.m. – 11.15 a.m.	Tea-break
11.15 a.m. – 12.45 p.m.	Patents: Nehaa Chaudhari
12.45 p.m. – 1.30 p.m.	Lunch
1.30 p.m. – 2.00 p.m.	Fieldwork Assignment

Day Four of the Internet Institute introduced concepts of eAccessibilty and Inclusion on the internet for persons with disabilities, along with patents as an intellectual property right. Participants were also assigned a fieldwork exercise as a hands-on activity in which they were to employ what they’ve learned to initiate conversation with individuals in public spaces and collect primary data while doing so.

eAccessibility and Inclusion, Prashant Naik

Prashant Naik started off the day with his session on E-Accessibility and Inclusion. Prashant illustrated the importance of accessibility and what is meant by the term. Participants learned of assistive technologies for different disability types and how to create more accessible word and PDF documents, as well as web pages for users. Prashant demonstrated to participants what it is like to use a computer as a visually impaired individual, which provided for an enriching experience.

Patents, Nehaa Chaudhari
Nehaa Chaudhari led a second session at the Internet Institute on intellectual property rights—this one looking at patents particularly and their role within statutory law. Nehaa traced the historical origins of patents before examining the fundamentals of them, and addresses the questions, “Why have patents? And is the present system working for everyone?” Nehaa also introduced notions of the Commons along with the Anticommons, and perspectives within the debate around software patents, as well as different means by which the law can address the exploitation of patents or “patent thickets”—such as through patent pools or compulsory licensing.

Fieldwork Assignment, Groupwork
Participants were split into groups and required to carry out a mini fieldwork assignment in approaching individuals in varying public spaces in Pune in attempts to collect primary data. Questions asked to individuals were to be devised by the group, so long as they pertained to themes examined within the Internet Institute. Areas visited by groups included the Pune Central Mall, MG Road, and FC Road.

Day Five

February 15, 2014

Time	Detail
9.30 a.m. – 11.00 a.m.	E-Governance: Manu Srivastav, Vice President, eGovernments Foundation
11.00 a.m. – 11.15 a.m.	Tea-break
11.15 a.m. – 12.45 p.m.	Market Concerns: Payal Malik, Economic Adviser, Competition Commission of India
12.45 p.m. – 1.30 p.m.	Lunch
1.30 p.m. – 3.00 p.m.	Digital Natives: Nishant Shah
3.00 p.m. – 3.15 p.m.	Tea-break
3.15 p.m. – 4.45 p.m.	Fieldwork Presentations

Day Five of the Internet Institute brought with it sessions related to themes of e-governance, market concerns of telecommunications, and so called “Digital Natives.”

eGovernance, Manu Srivastava
Vice President of the eGovernments Foundation, Manu Srivastava led a session on eGovernance—the utilization of the internet as a means of delivering government services communicating with citizens, businesses, and members of government. Manu examined the complexities of the eGovernance and barriers to implementation of eGovernance initiatives. Within discussion, participants examined the nuanced relationship between the government and citizens with the incorporation of other governing bodies in an eGovernance system, as well as new spaces for corruption to take place.

Market Concerns, Payal Malik
Payal Malik, Advisor of the Economics Division of the Competition Commission of India shared her knowledge on market concerns of the telecommunications industry, and exclaimed the importance of competition issues in such an industry as a tool to create greater good for a greater number of people. She demonstrated this importance by stating that affordability as a product of increased access can only be possible once there is enough investment, which generally only happens in a competitive market. In this way, we must set the conditions to make competition possible, as a tool to achieve certain objectives. Payal also demonstrated the economic benefits of telecommunications by stating that for every 10% increase in broadband penetration, increase in GDP of 1.3%. She also examined the broadband ecosystem in India and touched upon future possibilities of increased broadband penetration, such as for formers and the education sector.

Digital Natives, Nishant Shah
Nishant Shah shed some light on one of the areas that the Centre for Internet & Society looks at within their research scope, this being the “Digital Native.” As referred to by Nishant, the Digital Native is not to categorize a specific type of internet user, but can be said for simply any person who is performing a digital action, while doing away with this false dichotomy of age, location, and geography.

Nishant examines varying case studies in which “the digital is empowering natives to not merely be benefactors of change, but agents of change,” from the Blank Noise Project’s “I NEVER Ask for it…” campaign in efforts to rethink sexual violence, to Matt Harding’s foolish dancing with groups of individuals from all over the world.

As occurrences in the digital realm, however, these often political expressions may be rewritten by the network when picked up as a growing phenomenon, in order to make it accessible to online consumers by the masses. In doing so, the expression is removed from its political context and is presented in the form of nothing more than a fad. For this reason, Nishant stresses the need to become aware of the potential of the internet in becoming an “echo-chamber”—in which forms of expression are amplified and mimicked, resulting in a restructuring of the dynamics surrounding the subject—whether it be videos of boys lipsyncing to Backstreet Boys in their dorm room going viral, or a strong and malicious movement to punish the Chinese girl who had taken a video of her heinously and wickedly killing a kitten after locating her using the Human Flesh Search Engine.

Fieldwork Presentations, Groupwork

To end off the day, participant groups presented findings collated from the prior evening’s fieldwork exercise, in which they were to ask strangers in various public places of Pune questions pertaining to themes looked at from within this year’s Institute. Participants were divided into four groups and visited Pune’s FC Road, Mahatma Gandhi Road, and Central Mall.

Groups found that the majority of those interviews primarily accessed the phone via the mobile. There was also a common weariness of using the internet and concern for one’s privacy while doing so, especially with uploading photos to Facebook and online financial transactions. People were also generally concerned about using cyber cafes for fear of one’s accounts being hacked. Generally people suspected that so long as conversations are “private” (i.e. in one’s Facebook inbox), so too are they secure. Just as well, those interviewed shared a sense of security with the use of a password.

Day Six

February 16, 2014

Time	Detail
9.30 a.m. – 11.00 a.m.	Wikipedia: Dr. Abhijeet Safai
11.00 a.m. – 11.15 a.m.	Tea-break
11.15 a.m. – 12.45 p.m.	Open Access: Muthu Madhan (TBC)
12.45 p.m. – 1.30 p.m.	Lunch
1.30 p.m. – 3.00 p.m.	Case Studies Groupwork
3.00 p.m. – 3.15 p.m.	Tea-break
3.15 p.m. – 4.45 p.m.	Case Studies Presentations

As the Institute came closer to its end, participants got the opportunity to hear from speakers on topics pertaining the Wikipedia editing in addition to Open Access to scholarly literature. Participants also worked together in groups to examine specific case studies referenced in previous sessions, and then presented their conclusions.

Wikipedia, Dr. Abhijeet Safai
The Institute was joined by Medical Officer of Clinical Research at Pune’s Symbiosis Centre of Health Care, Dr. Abhijeet Safai, who led a session on Wikipedia. Having edited over 3700 Wikipedia articles, Dr. Abhijeet was able to bring forth his expertise and familiarity in editing Wikipedia to participants so that they would be able to do the same. Introduced within this session were Wikipedia’s different fundamental pillars and codes of conducts to be complied with by all contributors, along with different features and components of Wikipedia articles that one should be aware of when contributing, such as how to cite sources and discuss the contents of an article with other contributors.

Open Access, Muthu Madhan
Muthu Madhan joined the Internet Institute while speaking on Open Access (OA) to scholarly literature. Within his session, Muthu examined the historical context within which the scholarly journal had arisen and how the idea of Open Access began within this space. The presence of Open Access in India and other developing nations was also examined in this session, and the concept of Open Data, introduced.

Case Studies, Groupworks

Participants were split up into groups and assigned particular case studies looked at briefly in previous sessions. Case studies included #thingsdarkiessay, a once trending Twitter hashtag in South Africa which had offended many Americans for its use of “darkie” as a derogatory term; the literary novel, The Hindus, which offers an alternative narrative of Hindu history had been banned in India for obscenity; a case in which several users’ avatars had been controlled by another in a virtual community and forced to perform sexual acts, referred to as A Rape Happened in Cyber Space; and lastly, a pornographic submission website, Is Anyone Up?, for which content was largely derived from “revenge porn.” Each group then presented on the various perspectives surrounding the issue at hand.

The Cyborg, Nishant Shah
Nishant Shah led an off-agenda session in the evening looking more closely at the notion of the human cyborg. Nishant deconstructs humanity’s relationship to technology, in suggesting that we “think of the human as produced with the technologies… not who produces technology.” Nishant explores the Digital Native as an attained identity for those who, because of technology, restructure and reinvent his or her environment—offline as well as online. Among other ideas shared, Nishant refers to works by Haraway on the human cyborg in illustrating our dependency on technology and our need to care for these technologies we depend on.

Day Seven

February 17, 2014

Time	Detail
9.30 a.m. – 11.00 a.m.	Internet Activism: Laura Stein, Associate Professor, University of Texas and Fulbright Fellow
11.00 a.m. – 11.15 a.m.	Tea-break
11.15 a.m. – 12.45 p.m.	Domestic and International Bodies: Chinmayi Arun, Research Director
12.45 p.m. – 1.30 p.m.	Lunch
1.30 p.m. – 3.00 p.m.	Participant Presentations
3.00 p.m. – 3.15 p.m.	Tea-break
3.15 p.m. – 4.45 p.m.	Hot Question Challenge

The last day of the week-long Internet Institute examined concepts of Internet Activism and Domestic and International Bodies. Some participants led presentations on topics of personal familiarity, before a final wrap-up exercise, calling upon individuals to share any new formulations resulting from the Institute.

Internet Activism, Laura Stein

Associate Professor from the University of Texas, Laura Stein, spoke on activism on the internet. Laura examined some grassroots organizations and movements taking place on the online and the benefits that the internet brings in facilitating their impact, such as its associated low costs, accessibility and possibility for anonymity. Despite the positive effects catalyzed by the internet, Laura stresses that the “laying field is still unequal, and movements are not simply transformed by technology.” Some of the websites exemplifying online activism that were examined within this session includes the It Gets Better Project, which aims to give hope to LGBT youth facing harassment, and the national election watch by the Association for Democratic Reforms. Additionally, Laura spoke on public communication policy, comparing that of the US and India, and how this area of policy may influence media content and practice.

Domestic and International Bodies, Chinmayi Arun
As the Internet Institute’s final speaker, Research Director for Communication Governance at National Law University , Chinmayi Arun, explores the network of factors that affect one’s behavior on the internet—these including: social norms, the law, the markets, and architecture. In referring to Lawrence Lessig’s pathetic dot theory, Chinmayi illustrates how individual’s—the pathetic dots in question—are functions of the interactions of these factors, and in this sense, regulated, and stresses the essential need to understand the system, in order to effectively change the dynamics within it. It is worth noting that not all pathetic dots are equal, and Google’s dot, for example, will be drastically bigger than a single user’s, having more leveraging power within the network of internet bodies. Also demonstrated, is the fact that we must acknowledge the need for regulation by the law to some extent, otherwise, the internet would be a black box where anything goes, putting one’s security at risk of violation.

Hot Question Challenge
The very last exercise of the Institute entailed participants asking each other questions on demand, relating back to different themes looked at within the last week. Participants had the chance, here, to bridge together concepts across sessions, as well as formulate their own opinions, while posing questions to others that they, themselves, were still curious about.

For more details visit https://cis-india.org/telecom/blog/institute-for-internet-society-2014-pune

The Right of Persons with Disabilities Bill 2013 and the Lack of Access to Accessibility Rights

salelkar — 2014-02-03T02:21:45Z

The Rights of Persons with Disabilities Bill, 2013 (The RPD Bill) went through three avatars since its commissioning in 2009 under the Sudha Kaul Committee. This blog post brings you a summary of the three stages since it was initially commissioned.

The first was the one the Committee proposed in 2011, after consultations with persons with disabilities and Disabled People's Organizations across the country; the second was notified by the Ministry of Social Justice and Empowerment in 2012, which was in parts opposed to by several stakeholders; and the third, the RPD BIll of 2013, has actually brought the entire disability lobby, as it were, together, in being entirely appalled at the turn of events. The Bill, which is being furiously evaluated in the short time available between its being made available to the public and its impending introduction (and possible passing in the House), is full of flaws. Not only does it not adhere to the standards of the UNCRPD, but it also violates the spirit of the Indian Constitution, as well as contradicting existing case law, and most importantly it betrays the consensus and recommendations of persons with disabilities who were initially part of these recommendations.

Doubtlessly, while access to government establishments and entities like courts, collectorates, municipal offices, is important for persons with disabilities, there are other establishments which are equally important for persons with disabilities, for purposes of recreation, access to culture, and private services. I've made the point elsewhere that the law proposed is less of an empowering statute and more on the lines of the charity model – and in line with that, the indication is that persons with disabilities will only ever have to come in contact with the government and other entities, so they can enforce rights, take grants, petition government servants, etc. But if the statute itself is rights based, why so much focus on access to forums for rights enforcement, and not on others beyond this?

While they did have their flaws, the 2011 and 2012 versions of the Bill, which had rather comprehensive provisions with regard to ensuring accessibility. To start with, the right of persons with disabilities, on an equal basis with others to the physical environment, transportation, information and communications, including appropriate technologies and systems, and other facilities and services open or provided to the public, both in urban and in rural areas, was recognized. The RPD Bill recognizes the obligation of the government to provide accessibility measures, but by now wording it in terms of a right, it does not do complete justice. The 2011 and 2012 drafts were replete with separate sections on the right to transport, personal mobility, communications, services, the built environment, etc. On the other hand, the RPD Bill clumsily lops all of these into a few sections, with repeated emphasis on infrastructure and services run by "establishments", which is, in effect, the government. There is no mention of website accessibility, though a cursory mention is made to the appropriate government ensuring that all contents available in audio, print and electronic media are in accessible format; and that persons with disabilities have access to electronic media by providing audio description, sign language interpretation and close captioning. Again, the ambiguity as to whether this extends to websites which are not run by the government, is not clear.

There is another aspect to accessibility which is lost under the Act by its failure to recognize it as a right. A senior person in the sector, who is blind, told me of an instance where he was barred from entering a bar with some friends. "You won't be able to tell what the bill is or how many drinks you've had", said the manager. He was therefore, being discriminated against entering a place, solely on the grounds of his disability. Persons who have been cured of leprosy are denied access to transport and other public facilities on the basis of outdated statutes. Persons who use crutches and calllipers are denied entry to religious places. The understanding of the Bill on accessibility is extremely limited, and limited to the built environment of government establishments, and this does nothing to extend the rights of persons with disabilities. Groups which are forwarding non negotiables for amendments to the Bill do not consider, at present, the right to accessibility to be a non negotiable. I do wonder, however, whether any of the other rights make sense when express and implied bars to access exist and are effectively encouraged, under this proposed law.

For more details visit https://cis-india.org/accessibility/blog/rights-of-persons-with-disabilities-bill-2013-and-lack-of-access-to-accessibility-rights

Banking and Accessibility in India: A Report by CIS

nirmita — 2013-08-13T04:00:19Z

The report gives an analysis of banking accessibility for persons with disabilities in India. Besides a detailed look at the legal provisions and guidelines on banking and technology, the report also provides a view on different disabilities in relation to banking and accessibility in India and contains case studies and guidelines from countries such as New Zealand, Australia, the United States of America, Canada and the Netherlands. The report sums up the analysis with suggestions and recommendations to improve banking accessibility for persons with disabilities in India.

Executive Summary

India is a signatory to the United Nations Convention on the Rights of Persons with Disabilities (CRPD), and has an obligation to provide equal opportunities and facilities to everyone, irrespective of any disabilities they might suffer from. This is guaranteed in the right to equality and the right to life, which are enshrined in the fundamental rights in the Constitution of India. There are specific Reserve Bank of India (RBI) notifications that mandate banks to offer banking facilities in a non-discriminatory manner to all customers. Nevertheless, there are many problems faced by people with disabilities while accessing banking and financial services in India. For instance, many banks and Automated Teller Machines (ATMs) are not physically accessible, staff has no training or expertise in dealing with customers who have special needs, and despite the existence of technology, and ATMs are not equipped to be used by people with disabilities.

There are several international guidelines which can be referred to while formulating policy on banking accessibility, such as guidelines on ATM construction and modification (USA) and guidelines on making websites accessible for people with disabilities (the Web Content Accessibility Guidelines), as well as voluntary standards that have been taken up by banking associations in countries like Australia and New Zealand in order to make banking more accessible to people with disabilities and the elderly population.

The adoption of accessibility features and technologies in Indian banks today is very low, despite there being a legislative as well as executive push for the same. Banks which do not follow these guidelines are not meeting their legal requirements, and it is important for them to understand not just their obligations, but also the benefits that will accrue to them if they follow the suggested guidelines. To that end, this report looks at the current notifications and guidelines that govern this area, the problems faced by people with disabilities, and looks at guidelines from other countries to suggest solutions that can be incorporated by different banks in India.

Introduction

As per the 2001 Census, there are around 2.19 crore persons with disabilities in India. They constitute 2.13 per cent of the total population of the country.[1] This includes persons with visual, hearing, speech, locomotor and mental disabilities. Despite these numbers, there is a lack of understanding of their needs, and people with disabilities face a number of obstacles when it comes to living a normal life, and availing banking facilities is a big part of the problem. Consider the fact that only 50 out of the 1.04 lakh Automated Teller Machines (ATMs) in India are accessible to people with disabilities.[2] There is a general lack of infrastructure and awareness in India that permits people with disabilities to use banking services. This translates to problems not just in accessing a physical bank and seeking help from a bank official, but also extends to accessing services such as ATM machines and online banking options. The problem is exacerbated by the fact that around 75 per cent of persons with disabilities live in rural areas, and only around 49 per cent of the disabled population is literate and only 34 per cent is employed.[3] Although one may find some rare cases of disabled-friendly banking options in the metros, in the rural areas, there are neither facilities nor is there any sensitisation towards meeting the needs of the disabled.

India is a signatory to both the United Nations Convention on the Rights of Persons with Disabilities, 2006[4] (hereinafter, “UNCRPD”) and Biwako Millennium Framework towards an Inclusive, Barrier-free and Rights-based Society for PWDs in Asia and the Pacific, 2002[5] and thus has an international obligation to ensure equal access to all members of the population. This obligation extends to giving people with disabilities the right to conduct banking services. This has been recognised by several Reserve Bank of India (RBI) directives as well, although these guidelines have not been fully implemented so far.

Currently, it is very difficult for people with disabilities to use banking services in India. If a person who has a hearing disability walks into a branch for a home loan, the branch does not have a person who can understand or interpret sign language. More usually, the branch does not even have the resources or knowledge about whom to contact to facilitate the interaction by interpreting. These obstacles mean that a person with disability/ies always has to latch on to someone who is fully capable to help them. Without such help in the form of guarantors or co-borrowers who are fully capable, the chances of obtaining finance from the banks are low because bank's probably give a person with disability/ies a much lower credit rating based on their own internal criteria. These determinations automatically put the disabled at a disadvantage. A person with a learning disability, for example, dyslexia, will face severe difficulty filling out an application form (or any document for that matter) and banks are not disabled friendly in terms of the attitude of the staff towards such difficulties.

Making banking accessible for people with disabilities is both a best practice that should be followed, as well as a sound commercial decision. There are a large number of people in India with differing levels of disability, who would benefit from using banking services. Additionally, the number of people will only increase with time as India’s young population grows old, since incidence of disability increases with age.[6] The Internet, above all, is a tool for people with disabilities to bridge the differences between them and others, and all efforts must be made to ensure that they are not at a disadvantage when it comes to using services such as net banking. There is also the consideration that improving accessibility improves access for all users, and makes it possible for them to make use of more services. A lot of accessibility issues (such as the physical accessibility to branches and ATMs, signature mismatches due to hand tremors or strokes) are common to the disabled, the elderly and those with neurological conditions. Taken together, this constitutes a significant percentage of the customer base — so these issues should be addressed by banks for that reason alone.

This report will look at the legal imperatives that govern accessibility in banking services in India, and look at the various problems being faced by people with disabilities when trying to use banks. It will also look at sample guidelines from other countries and suggest best practices for banking institutions, as well as take a look at the various costs that could be incurred in trying to make their banks more accessible.

The scope of this report is restricted to covering only basic banking services in India, and other financial services, such as insurance and loans, have not been dealt with.

Legal Imperatives

The rights of persons with disabilities have been recognised under various legal instruments, and it has been established that they are to be given the same services and privileges as other members of society.

Constitutional Provisions

Part III of the Constitution of India, which deals with the fundamental rights of citizens, recognizes the principle of equality of all people. Article 14 states that the government must accord equal protection of the law to any person within the territory of India.[7] This recognition of the importance of non-discrimination means that the state must ensure that people with disabilities do not suffer disadvantages when it comes to accessing public services.

Article 15, which deals with prohibition of discrimination on various grounds states that no citizen is to be subject to any disability, liability or restriction with regard to access to shops, public restaurants, and other public places.[8]

It is evident that this important constitutional protection extends to people with disabilities, and it is their right to gain equal and accessible access to all manner of services, including banking.

Legislation dealing with Disability

There are several national laws that deal with the rights of people with disabilities, though not all of these laws have a direct bearing with banking.

The Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995

The Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995 (“the PWD Act”) was enacted to give effect to the proclamation on the full participation and equality of people with disabilities on both central and state governments. The PWD Act has been enacted under Article 253 of the Constitution.[9] It has several provisions for people with disabilities, including education, employment, creation of barrier free environment, social security and similar overlooked areas. It provides for a three tier arrangement:

For evolution of policy for the benefit of persons with disabilities Implementation of the provisions of the Act and laws, policies, etc., and monitoring implementation and redressing grievances.

The implementation of the Act relies on collaboration between the appropriate governments, which includes various central ministries and departments, state and union territories, and local bodies.[10]

Chapter VIII of the Act deals with non-discrimination, and one of the measures it recommends is making buildings accessible by simple measures such as curb cuts and slopes in the pavements for wheelchair users.

There are several problems with the enactment.[11] The terms "accessibility" and "disability" are not clearly defined. They are also not provided as a matter of right but are based on the economic capacity of the service provider. It also fails to consider the access to services and information. However, public banks need to be conscious, since they will usually be considered to have sufficient economic capacity, and might be bound to deliver their services to people with disabilities. This has often become an issue in other jurisdictions as well. In 2009, the Royal Bank of Scotland, for example, was forced to pay extensive damages to a disabled student who was unable to access the bank due to a lack of wheelchair lifts.[12]

The National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act, 1999

The trust is intended to give complete care to people with mental retardation and cerebral palsy, and also manage the properties bequeathed to the trust. The trust supports programmes that promotes independence and address the concerns of these special persons, especially the ones who do not have family support. The trust is also empowered to receive grants, donations, benefactions, requests and transfers.[13]

The Mental Health Act, 1987

The Act consolidates and amends the law relating to the treatment and care of mentally ill persons, in order to make better provisions with respect to their property and affairs, and other incidental matters.[14]

The Rehabilitation Council of India Act, 1992

The Act was created to provide for the constitution of the Rehabilitation Council of India for regulating training of the rehabilitation professionals and maintaining of a central rehabilitation register. It also regulates the recognized rehabilitation qualifications, and prescribes minimum standards of education.[15]

RBI Notifications

The most important resource when it comes to banking guidelines is the RBI, which comes out with regular notifications. The RBI has been conferred wide powers under the Banking Regulation Act, 1949 (BRA),[16] under which it can supervise and control the various banking companies, and they are bound to follow its directions. Section 35A of the Act specifies that in public interest or in the interest of banking policy, the RBI can issue such directions as it deems fit, and the banking companies or the banking company, as the case may be, shall be bound to comply with such directions.[17]

RBI has released several notifications dealing with the rights of the disabled.

Circular on grant of banking facilities to the visually challenged

In its Circular DBOD. No. Leg BC. 91 /09.07.005/2007-08 dated June 4, 2008,[18] the RBI mandated that banking facilities (including cheque book facility, operation of ATM, locker, etc.) cannot be denied to the visually challenged as they are legally competent to contract.

In the notification, the RBI recalled the order of the Chief Commissioner for Persons with Disabilities, which had earlier been passed by the Indian Banks’ Association (“IBA”) to its member banks. The Order instructed that banks should offer all the banking facilities including cheque book facility, ATM facility and locker facility to the visually challenged and also assist them in withdrawal of cash. This order has reiterated that there can be no denial of services just because there is an apprehension of risk in operating or using the facility; it said that a similar security threat exists for all members of the population.

As per the RBI notification, the banks are therefore bound to:
Ensure that all the banking facilities such as cheque books are offered to the visually impaired without any discrimination. These facilities should include third party cheques, ATM, net banking, locker, retail loan and credit card facilities.

Advise their branches to render all possible assistance to the visually impaired for availing the various banking facilities.

Circular on making ATMs accessible

The RBI had been receiving several suggestions to make branches and ATMs easily accessible to people with disabilities by providing ramps so that wheel chair users can access them and the height of the machine is also appropriate for them. It had also been receiving suggestions for installing speaking software and key pads with letters in Braille to facilitate use by persons with visual impairment. After considering these suggestions, the RBI passed a notification, directing the banks to implement such measures.

As per its Circular DBOD. No. Leg BC. 91 /09.07.005/2007-08 dated June 4, 2008, RBI has directed all banks to provide:

Ramps to ATMs: Banks have to take necessary steps to provide all existing ATMs or future ATMs with ramps so that wheelchair users or persons with disabilities can easily access them and also make arrangements in such a way that the height of the ATM does not create an impediment in its use by a wheelchair user.
Ramps at bank entrances: Banks may also take appropriate steps including providing ramps at the entrance of the bank branches so that the persons with disabilities or wheelchair users can enter the bank branches and conduct business without much difficulty.
Accessible ATMs: Banks should make at least one third of new ATMs installed as talking ATMs with Braille keypads and place them strategically in consultation with other banks to ensure that at least one talking ATM with Braille keypad is generally available in each locality for catering to needs of visually impaired persons.
Information about the ATMs: Banks should also bring the locations of such talking ATMs to the notice of their disabled customers.

Circular on implementation of the guidelines

These guidelines were strongly reiterated as recently as September 5, 2012, where the RBI by its notification numbered DBOD.No. Leg.BC. 38/09.07.005/2012-13[20] highlighted the abovementioned circulars. It said that it had been brought to their notice by the Office of the Chief Commissioner for Persons with Disabilities that visually challenged persons are facing problems in availing banking facilities like internet banking.

Banks were advised under this notification to strictly adhere to instructions contained in the above circulars and extend all banking facilities to persons with blindness, low-vision and other disabilities.

Circular on guardianship certificates

The RBI, by its Master Circular DBOD.No.Leg.BC.9/ 09.07.006/ 2009-10[21]dated July 1, 2009 on Customer Service, directed banks to accept guardianship certificates issued by local level committees set up under the National Trust Act, enabling persons with disabilities like autism and cerebral palsy to open and operate accounts. Banks were advised to rely on the guardianship certificate issued either by the district court under the Mental Health Act or by the local level committees under the National Trust Act for the purposes of opening and operating bank accounts[22] by the legal guardians for people with disabilities that is covered under the Act. Banks were also advised to ensure that their branches give proper guidance so that the parents or relatives of the person with disability/ies do not face any difficulties in this regard. It has also directed that information about the opening of such bank accounts be displayed conspicuously, in both English as well as the regional language, in its circular RBI /2009-10/142.[23] This notification was in response to a Delhi High Court decision that directed banks to put up such information.

Banks are therefore directed to:

Accept guardianship certificates: Banks can accept certificates issued by local level committees set up under the National Trust Act or district court under the Mental Health Act, so that persons with disabilities like autism and cerebral palsy can open and operate accounts.
Provide assistance: Banks should ensure that their branches give proper guidance so that the parents or relatives of the person with disability/ies do not face any difficulties.
Display information: Banks should ensure that information about the opening of such bank accounts be displayed conspicuously, in both English as well as the regional language.

National Policy on Disability

The National Policy for Persons with Disabilities, which was published in 2006, recognizes the extent of problems faced by the disabled in India. The report also discusses the number of citizens who are affected by disability: “According to the Census 2001, there are 2.19 crore persons with disabilities in India who constitute 2.13 per cent of the total population. This includes persons with visual, hearing, speech, locomotor and mental disabilities. Seventy five per cent of persons with disabilities live in rural areas, 49 per cent of disabled population is literate and only 34 per cent are employed. The earlier emphasis on medical rehabilitation has now been replaced by an emphasis on social rehabilitation. There has been an increasing recognition of the abilities of persons with disabilities and emphasis on mainstreaming them in the society based on their capabilities.”[24] The policy endorses accessibility and says that a barrier-free environment enables people with disabilities to move about safely and freely, and use the facilities within the built environment. In the principle areas of intervention identified by the policy, it ensures that banking services are made barrier free and accessible.[25]

The National Policy is intended to inform the disability plan to be incorporated in the 11th Five Year plan,[26] which will have a timeline and funds for programmes which can be allotted through the Finance Commission.

Explaining Disabilities

There are many problems faced by people with disabilities when they consider banking and financial services. From the very beginning, banks are a complicated route to charter for people with disabilities. Banks often resort to complex schemes and pricing systems, which can be difficult to understand for people with cognitive disabilities.[27] Finding bank branches and ATMs in their neighbourhood which are disabled-friendly and can be accessible to them is another difficulty, especially in a place like India where finding information is often a problem. There might be problems with physical accessibility — lack of ramp which makes it impossible for a wheelchair-bound person to use a bank or uncomfortable height of an ATM which makes it unwieldy for a wheelchair-bound person to access it — which can extend to the virtual realm as well: if a bank’s website is not complying with the standards for web-accessibility (discussed below) and is difficult to use by people with disabilities, they will be unable to take recourse to internet banking, as well.

In many countries such as Australia[28] there is great reliance on phone banking, which can be especially helpful to blind customers, or on audio-based telephone devices, which can be used by deaf-blind or the deaf customers. However, neither technology is at present available in India; text-based alternatives or spoken prompts (TTY based telephone banking) are not used by any banks. It is therefore essential that if a customer is using the interactive voice response (“IVR”) system of a bank and speaking to a bank representative on the phone to get a transaction done that the communication be clear, precise and easy to follow — as anyone who has attempted phone banking in India would testify, that is certainly not the case.

Let us take a look at some specific disabilities and what banks can do to ensure accessibility to their customers:

Problems faced by the hearing impaired while banking

When a person who cannot hear goes to a bank, the first problem they face is the fact that unless they are proficient at lip reading, they will find it difficult to communicate with the bank officials or tellers even when undertaking simple tasks like withdrawing money or depositing cheques. An important point to remember is that most hearing impaired people are more familiar with sign language than with English, and so can get confused by the complicated language used by the banks in their brochures and information booklets. If a deaf customer is communicating with the bank official by writing out instructions, it could take a longer time than other customers and they might face problems with other customers.

Another problem that might occur is that error messages or other audio cues might not be picked up by customers who are using multimedia based banking services or ATM machines.[29] This problem is exacerbated when using customer care services for banks, which are usually available only on the phone. With a lack of technological options for the hearing impaired, they are unable to access the IVR systems, or interact with customer care executives, which make it difficult for them to avail of all banking service facilities.

What can banks do?

Training: Ensure that the bank staff is sensitised to the needs of the disabled and deaf customers, and know of a sign language translator who can be called if a customer requires it.
Ease of understanding: Make the instructions — both in the physical banks as well as in ATMs and websites — simple and precise, so they are easily understood. This will help all customers, not just those with disabilities.
Technical solutions: One solution available in some countries is using a phone-to-text machine or software that enables hearing impaired customers to use the phone banking and customer care services of a bank. For example, the Royal Bank of Scotland users can use a Typetalk or BT Textdirect service which will enable them to speak to an operator and so convey their messages.[30] If a bank feels that sufficient customers will benefit from such a technology, it should invest in it.
Sign language interpretation: A more low-tech solution is to offer interpretative services, where customers who need it can be assisted by someone who is proficient in sign language to help relay their point across to the bank.

Problems faced by the visually impaired while banking

Visually impaired customers can find it difficult to navigate and even reach their banks, if the path is not clear and if the building is not provided with enough ramps and clear entrances. Even understanding the terms and conditions of banks and their services are difficult to comprehend, because the language used to describe services and procedures is confusing and complicated. Often, a booklet with the terms and conditions is simply handed over with no concern for how the person is supposed to read them. Visually impaired people might also face problems in distinguishing details on cheques and other financial instruments which, unlike currency, do not have physically distinguishable marks on them.

Visually impaired customers often face a lot of problems while using ATMs, because the keys are not marked with recognisable lettering in Braille. Even when there is a token raised symbol on the middle key or Braille markings on the keypad for tactile recognition, there is still the problem that what is being displayed on the touchscreen, as well as the instructions on how to proceed with a transaction, are not capable of being communicated. Most ATMs in India are not equipped with an audio jack, and so can’t be used by blind customers who want to connect headphones and hear the display on the screen.

There is also the problem of signature mismatches, especially when it comes to opening accounts and signing cheques. Currently the bank’s solution is to not have the person with disability/ies sign the cheque, which is not a solution that works consistently, especially when a person with disabilities is running a company. There should be a separate process in place to facilitate issuance of cheques by the visually impaired.[31]

The first and most obvious problem with the visually impaired using net banking and other services on the internet is that they won’t be able to see the screen. Similarly, when they attempt to use the ATM machines, the screen cannot be read and the keyboard functions are often unclear. The problem is often accentuated for people with low vision, because the improper lighting, low contrast print and other glares make it difficult to make out what the screen says.[32] Some sites have a security requirement where users have to input CAPTCHA (Completely Automated Public Turing test to tell Computers and Humans Apart) codes in order to validate their payment or to register for a particular service; using such security codes can be particularly problematic for blind customers.[33] Banks websites might have pop ups or automatic music playing, which makes it difficult for the visually impaired to use their screen readers. Another problem arises in the mobile applications (“apps”) that are used by various banks; the format is not supported by screen readers on smartphones, and so customers with disabilities can’t use the facility made available to others.

What can banks do?

Training: Sensitise the staff to the needs of blind customers, and ensure that there is a customer care executive who is present when a visually impaired customer needs assistance with a particular service.
Accessible formats: Printing out bank documents or statements in large size fonts, Braille or in audio script format if required is the first thing that banks can do to assist their visually impaired customers. Banks can also try to migrate towards accessible e-text or DAISY formats for their disabled customers.
Banking Guide: Coming out with a bank note guide to help identify the different bank notes and counterfeits, if any, is also important for visually impaired people who rely on their sense of touch. Similarly, an accessible format guide that takes you through the various steps that are involved in withdrawing cash or using an ATM would greatly assist blind customers who are using a new format or type of bank machine for the first time. At the same time, increasing the screen size and resolution of ATM screens would go a long way in improving access to the customers.
Templates: Banks can also be encouraged to come out with cheque book templates, so that blind users can familiarise themselves with using such bank documents and the process of writing cheques becomes easier for them.[34] Banks should also develop a better solution to the problem of visually impaired customer’s inability to sign cheques.
Open format statements: Banks should also ensure that when they provide customers with statements, they are made available in open formats, such as HTML or RTF, so that they can easily be read by screen readers.
Technical solutions: There are some alternatives to the CAPTCHA codes available, such as audio codes or maths questions. Some sites have the option of hearing the codes, instead of just seeing them. There are also human aided accessible CAPTCHA services (such as Solona), where the customer can send a screenshot of the screen to an aide. However, this has several security and privacy implications, and so is not an ideal solution. Multimedia on the websites of banks should be made optional, with a clear possibility of turning the music or animation off, so that users can use the screen reader without any problems.
Mobile apps: Banks should work with their technology partners to ensure that their mobile apps are accessible on all devices and can be used by customers using assistive technology.
Improved ATMs: Several banks around the world are switching to ATMs which give output in multiple formats, such as audio and large-font print,[35] making them more user friendly. There are several guidelines in effect in various jurisdictions which describe better design for ATMs, which takes into account the physical needs of disabled customers; newer ATMs which are set up should be asked to conform to such standards. While this is slowly starting to take place, more banks need to expand and improve their building structures keeping such guidelines and needs in mind. This has been discussed in the next section on ATM Guidelines.
Sensitisation: Special care should be taken to explain terms and conditions to visually impaired persons — there should be an effort to ensure that the person who is opening an account has understood the various terms and conditions and not just heard them.

Problems faced by those with physical disabilities while banking

In India, a major problem is the physical accessibility of banks, with hardly any buildings being equipped with ramps and elevators; even if the bank itself is made accessible via these architectural modifications, the area surrounding the bank, for example, the market place, might be difficult to reach for people in wheelchairs, ultimately making it very difficult for them to use banks.

People with physical disabilities might find controlling their limbs for prolonged periods to be a problem, and so would find it difficult to use not just the physical banking services, but also internet services which necessitate controlling a mouse for a long period of time.

What can banks do?

Build ramps: The most important step that needs to be taken by different banking institutions is ensuring that their ATMs and branches are accessible through a ramp, so that it is physically possible to reach from the road or other public area.
Elevators: Where possible, elevators should also be provided.
Special measures: Within the bank, there should be special provisions for people in wheelchairs or crutches, such as a designated queue and teller, so that they do not have to wait in queue for a long period of time.

Problems faced by those with cognitive disabilities while banking

People with cognitive disabilities might have lower attention spans and might have problems with understanding complicated bank procedures and requirements. If the steps involved in using an ATM or other physical transactions are not logical and simple, people with cognitive disabilities will be unable to handle them. As a lot of Indian banks are rather chaotic and the transactions lack a certain consistency, people with cognitive disabilities could face a lot of problems adjusting. People who have cognitive disabilities might also be relying on their guardians or parents to assist in operating their bank accounts, and legal and bureaucratic hurdles to doing so can be a big hassle.

The front staff at banks are often improperly trained and do not have a holistic understanding of how to deal with people with disabilities. It has also been observed that while banks can be helpful while opening accounts, they are not open-minded about granting loans to people with disabilities.[36]

Customers who are autistic have hand function issues which can cause their signatures not to match the ones on record, which again causes problems when it comes to opening accounts or signing cheques which ultimately bounce.

What can banks do?

Sensitisation: Sensitise the staff to the special needs of customers with cognitive disabilities.
Display of information: Information for guardians of such customers, on the requirements for opening bank accounts, should be prominently displayed in the branches of the bank (Refer to Section 4.3.4).
Uniformity in procedures: Banks should make uniform guidelines or procedures to be followed for each transaction, so that there is a certainty and regularity that eases the way for people with cognitive disabilities.
Clear language: Banks should also ensure that they use extremely simple and clear language in all their transactions as well as literature in order to mitigate confusion.[37]
Identity establishment: There need to be rules put in place to allow those who are unable to sign properly to establish identity in some other manner.

Guidelines on Banking Services and Technology

The previous section has looked at some of the problems being faced by people with disabilities when they access banking services in India. This section will look at some guidelines and best practices which are aimed at increasing the accessibility of services.

Mobile banking

There is the possibility of accessing a variety of financial services through mobile devices, which are termed as mobile banking or “m-banking”. This accessibility means that a lot of people with disabilities who live in rural areas, who have earlier not been able to access banks, can now do so using their mobile phones. Mobile banking also makes it much easier for customers with bank accounts to access their details and do transactions — for people with disabilities, this is a big step forward, as it means they do not have to endure the hassle and inconvenience of going to a bank, where they may not find the assistance that they need.

Currently, mobile banking is not that prevalent in India; less than one per cent of current bank customers are covered under the mobile banking services.[38]

However, the growth in mobile banking transactions has shown an increasing trend. For example, in the month of June 2012, 3.43 million transactions amounting to Rs. 3067.10 million were processed, as compared to 1.41 million transactions amounting to Rs. 984.66 million processed in June 2011 — an increase of about 143 per cent in volume and approximately 211 per cent in value terms.[39]

The Reserve Bank of India has passed some operating guidelines for mobile banking transactions.[40] These guidelines specify the technology and security standards, as well as the requirements for interoperability between operators, transaction limits and procedure for grievance redressal. They also tackle customer protection issues.

Banks should leverage the flexibility and utility of mobile banking in increasing access to their customers who have disabilities, as it would mean lesser expenses for both the banks as well as the customers.

Internet banking

Internet banking is increasingly popular with customers, due to its convenience and ease of use; it removes the necessity of physically going to a bank. Since physical banks are often difficult for people with disabilities to navigate, internet banking could provide the best solution (though there are several problems with this medium as well, as have been described in the previous chapter). However, banks can make their websites more accessible and follow the prescribed guidelines to ensure a better banking experience not just for their disabled customers, but for all customers.

The biggest obstacle that comes with developing net banking options which are accessible to all is the wide diversity in the people who are trying to access the banks’ websites, and it is here that universal design comes into play. “The goal of universal design is to have each web page accessible by all people, instead of providing separate web pages for people with disabilities. This requires, for example, for people who are blind, textual equivalents for all images, and reading order and structure compatible with screen reading; for people who are deaf, visual equivalents such as captions for all audio information; and for people with motor disabilities, means to navigate the page without fine motor control.”[41]

There are a set of standards in place for website accessibility. The Web Content Accessibility Guidelines (“WCAG”) 2.0 specify the manner in which the material on any website is to be perceivable, operable, understandable and robust.[42] Under these four stated principles of web content accessibility, twelve guidelines have been given, which give the web content developers a framework and set of objectives to understand the needs of the disabled. There are also levels of conformance that are defined for each guideline, and a list of sufficient and advisory techniques has also been given.[43]

The WCAG 2.0 Guidelines includes some basic steps, such as including text alternatives for all non-text objects, including descriptors or captioning for images, audio and animated sequences, and following a style sheet wherever possible, in order to maintain a consistent design. The guidelines deal with visibility and display (using contrasting colours for background and text; using relative sizing so that the text can be increased to upto 200 per cent), functionality (providing skip links such as “Back to Top”; ensuring that animation can be paused or switched off; ensuring keyboard as well as mouse functionality), and formatting (ensuring the text is not justified; setting the language attribute of each page; providing clear navigation mechanisms; ensuring that all mark up is validated and coded correctly), amongst others.[44]

The National Informatics Centre (NIC) has developed some guidelines for government websites, which contain best practices for accessibility in website design; these guidelines were released in 2009, and are mandated for governmental websites. The guidelines are classified into three categories: mandatory, advisory and voluntary; a compliance matrix has been provided for various departments and organisations to assess their compliance with the guidelines.[45] It is crucial that banks comply with these guidelines to ensure that a certain basic minimum standard at web accessibility is met for the banking customers across all websites.

Another dimension which is unique to India is that of regional language; for banking customers who are not comfortable with English, it is recommended that bank websites be provided in major regional languages as well. The best way to display regional fonts is to use Unicode (UTF-8). Banks should ensure that Unicode is used to display the fonts, as otherwise the fonts can become garbled and a person using a screen reader will not be able to access the written material at all.

A critical guideline to be followed is that visual information should also be coupled with audio information, and that frequency and volume of the audible cues should be capable of being configured and controlled by the user.[46]

Automated Teller Machines (ATMs)

The number of ATMs and their penetration in India is very low: 63 ATMs and 497 points of sale per million population,[47] and a number of regulatory and commercial requirements have led to their relative low (though increasing) use in India. RBI has recently passed guidelines on operating White Label ATMs[48] which effectively open up most of the acquiring part of the process to non-bank independent players.[49] This should ensure that there is a greater increase in the number and penetration of ATMs in India, which will be beneficial for people with disabilities only if the ATM-makers ensure that minimum guidelines for the disabled are met with.

Currently there are no guidelines in India on how to construct ATMs in accordance with the needs of people with disabilities. However, banks can take guidelines from other jurisdictions as their guide and look at how other countries have handled the issue of making ATMs more accessible. It is hoped that this lacuna in the policy will be filled soon.

The American Department of Justice recently notified a final ruling on the standards of accessibility relating to ATMs under the Americans with Disability Act (“ADA”). Such standards range from requirements that signs be in Braille, a voice guidance system, and input controls for blind users.[50] These standards took effect in March 2011, and had a March 2012 compliance date. All ATM owners are to comply with these guidelines when constructing or altering ATMs.

Some salient features of these guidelines are:

Height and reach: It is mandated that the ATM’s reach should be between 15 and 48 inches. Further, the graphic area where the touch commands are input needs to be lowered to the desired height.
The input device should be tactile, and so the surface of the keys should be different from the base and this should be apparent by touch. The keypad should also be arranged in a standard 12-key ascending or descending layout, as seen in telephones or computers.
ATMs must be equipped with both voice guidance systems as well as Braille language signage. This would mean adding a headphone jack to the machine, so the audio is heard only by the user and thus ensuring his privacy.
The display in the ATM needs to be clear; from an observation point 40 inches above the floor in front of the machine, the letters should appear in a sans serif font, with a minimum height of 3/16 inches, in a colour contrasting to the background.
There is also a requirement of equal services, which means that all services offered at any location through a bank’s ATM must also be provided by an “accessible” ATM in the same location. For this purpose, each installation is to be considered as a separate location.

The Indian Banks’ Association (IBA) has issued a Standards document on Accessible ATMs for customers with disabilities, and has also released a work flow document to be followed by various banks. The IBA Standards documents states that:

“The fundamental principle of an Accessible ATM for development, testing and implementation purposes is to ensure a machine which enable the user to complete all transactions successfully with a blank screen simply through voice guidance for totally blind users, permit independent use through clear screen data for low vision / partially sighted users and effective physical access for wheel chair users.”

The document specifies different accessibility measures to be taken for each level of accessibility (for example: completely blind users and users with partial sight), with details about the size and measurement of various features that need to be incorporated. It also includes a workflow to be incorporated into the Speaking ATMs for the effective use by people with disabilities.

Currency

For currency to be most effective as a means of payment, all users should have barrier-free access. The ability to conduct financial transactions using bank notes is crucial to independent living.[52] Yet this can pose significant challenges for individuals who are blind or partially sighted.

Physical currency (both notes and coins) are confusing and often cannot be distinguished from each other by merely feeling them. There is a great similarity between the hundred, five hundred and thousand rupee notes, as well as in the coins which are now completely confusing. Notes should also be discernible to the colour blind, which in their current form is not always possible. Various representations have been made to the Government of India on this regard and the change required is only a small one, though no changes have so far been forthcoming.

India can learn from the example of other countries which have experimented in the past with introducing currency which is friendlier to people with disabilities. Whether it is the printing of differently coloured notes, or the development of “raised-texture tactile features,”[53] there are several alterations that can be made to the currency. In India, the bank notes come with raised texture shapes to help the visually impaired to identify the different notes, and also come in different colours, though further improvements can be made. This problem is exacerbated in the coins — earlier, there was a differentiation in shape between them, but the newly minted coins of denominations Rs. 1, Rs. 2 and Rs. 5 are all very similar, and differentiating between them is a big problem.

In countries such as Canada, development of bank notes is based on a “continuous process that relies on scientific and empirical research, together with direct feedback from bank note user groups and experts. The bank consults Canadians living with blindness and low vision, as well as their representative organizations and vision experts, to identify the needs of this community and to explore potential solutions.”[54] It is this sort of consultative process that needs to be incorporated in India as well.

Telephone Banking

Telephone banking is in its nascence in India and not all banks provide it. Furthermore, there are no guidelines in place to govern how telephone banking would take place. For people with disabilities, telephone banking could be very useful, if the proper tools are made available to them. Banks can look at the draft guidelines of other countries (refer to section 8 of the Report) which have provisions for phone banking to see what kind of procedure they should follow.

Converting to Accessibility in India

Making banking accessible is not just in the commercial interest of the bank but is also in line with its commitments under various legislation and international conventions. In India, this has even been acknowledged by the RBI, which has issued a notification[55] suggesting that at least one-third of the new ATMs of all banks must be accessible.[56] Dinesh Kaushal has studied[57] some examples, such as the Punjab National Bank, which has set up some talking ATMs in Jaipur, or the State Bank of India which in 2010 announced plans of installing 7000 talking ATMs, but there is no news on the status of this goal. Currently the bare minimum target set by RBI is also not being met.

Subsequent to the RBI notifications, some positive developments have started taking place. The Union Bank of India has indicated that it will deploy over 100 Voice Guided ATMs — which not only allows access to visually impaired people but also people with physical disabilities through ramps for wheel chair access.[58]

Half of these ATMs are to be put up in the banks, and the other half in passport offices. The ‘Talking ATM’ is designed as per Access for All (AFA) standards and comprise of accessible key pads, voice-guidance technology, Braille stickers and multi-lingual capability. When a visually challenged person attaches his headphone set to this ATM, he can hear the instruction which enables him to fill-in the required data using the numeric keypad. Apart from reading aloud screen messages, the machine provides complete orientation making it easy for the customer to use the machine. An important security feature of this ATM is that it provides the person an option to blank out the screen as a safety mechanism to avoid shoulder surfing by any bystander trying to access customer data during the transaction.[59] The bank recently completed setting up the 100th such ATM in the building of the National Association for the Blind.

The NCR Corporation India, which has a 47.5 per cent share in the country’s ATM business, has stated that it will install 50 ‘talking’ ATMs in various passport offices.[60] The company set up India’s first talking ATM in Ahmedabad for the visually impaired under the Union Bank of India initiative described above. Importantly, the managing director of the ATM company stated that while the hardware of the ATMs remains the same, the software customisations depend on the specific needs. Banks do not need to change their entire fleet of ATMs for installation of new solutions.[61]

One concern that arises when we consider questions of accessibility is: what would be the cost of altering the present technology and infrastructure? If the cost of making banking accessible is too prohibitive, it would not be in the interests of the banks to do so.

“A talking ATM is the regular ATM with an additional module that allows a blind person to get the information in audio format. A talking ATM could be configured so that when a user plugs in a headphone in the audio jack, the ATM would start talking to the person with audio messages…Installing talking ATM technology is not very expensive. It might range anywhere between Rs. 25,000 and Rs. 50,000.”[62]

There needs to be an evaluation of the present ATMs to see if merely upgrading the software would suffice in converting them to speaking ATMs — if this is the case, it can be done so with the help of the manufacturer at a low cost. The evaluation would also help the banks identify those machines which can be upgraded by the addition of some simple technology and hardware, while the others could be marked for eventual replacement. At the same time, the new machines that are set up by the banks should be audio-enabled; this should not be difficult as “all new ATM installations are audio enabled, as all major ATM manufacturers now produce talking ATMs including Triton, NCR, Wincor-Nixdorf, Diebold, and Fujitsu.”[63]

Under the Americans with Disability Act, the determination of when an undue burden is placed on an establishment which has to make its services accessible is to be determined on a case by case basis, and would be considered keeping in mind factors such as the nature and cost of the upgrades, the availability of alternatives and the resources present with the financial institution in question.[64] Such a system should be incorporated in India as well, where the ability of the bank is considered when seeing the efforts it needs to make when converting its services to make them more accessible.

Union Bank of India’s Accessible and Talking ATM has brought in many initiatives for the first time, like the use of bilingual Indian accent text-to-speech (TTS) voices in English and Hindi, accessible infrastructure for the physically disabled and complete voice guidance support for ATM operation.[65] These should set the benchmark for other banks who want to improve the accessibility of their services as per the guidelines set forth by RBI.

Case studies and Guidelines in Other Countries

Looking at the guidelines that are present in other countries can be helpful in determining how banks in India should go about improving their services. The following countries have specific provisions in place which regulate or instruct how banks should handle their disabled customers.

New Zealand

The New Zealand Banker’s Association published a set of Voluntary Guidelines to meet the needs of older and disabled customers, which aim to improve access to banking services for such customers.[66] The guidelines recognise the increasing importance of older and disabled customers to banks as well as the importance of meeting their needs and demands. The guidelines direct the member banks to give training to the staff in order to better help the disabled customers, as well as to have specific procedures in place in case financial irregularities or abuse occur in bank accounts of people with disabilities. There are directions on improving physical accessibility (such as providing for low tables, ramps in ATMs, queuing aisles wide enough for wheelchairs and so on), as well as giving specific customer care help to those who need it, such as consulting the needs of the disabled when developing new services, having a provision for a reduction in fee if some customers are unable to use certain features, and having a provision for personal banking in special cases at no additional cost.

There are also specific provisions in the Guidelines for things such as ATM construction. Section 5.9 of the Guidelines specifies the factors to be kept in mind while designing ATMs: large screens, audible output, tactile differentiation in the keys, easy prompts in clear language and so on.[67] Section 5.10 talks about improving the accessibility of online banking and how bank websites should be designed, and recommends the use of international W3C web accessibility best practice standard, the accessibility-related New Zealand e-government web standards.[68] Finally, the Guidelines also talk about basics, such as clear and large font prints in their literature, and providing information in several formats (including Braille, DVD, and audio) wherever possible, to facilitate bank use by people with disabilities.[69]

Australia

The Disability Discrimination Act, 1992 (“DDA”) makes it unlawful to discriminate against a person on the grounds of a disability.[70] The objects of the DDA include eliminating, as far as possible, discrimination against people with disabilities and promoting recognition and acceptance within the community that people with disabilities have the same fundamental rights as the rest of the community. The law is administered by the Human Rights and Equal Opportunity Commission and sets out specific areas in which it is unlawful to discriminate. These areas include accommodation, employment, access to premises, and the provision of goods, services[71] and facilities. The HREOC administers the legislation, which includes complaints handling, public inquiries, policy development and education and training. The Commission has supported the development of several voluntary guidelines that determine accessibility in the sphere of banking.

The Australian Bankers’ Association (“ABA”) has worked with the community to produce voluntary Industry Standards in 2002 which aim to improve the accessibility of electronic banking. These standards cover a range of areas: ATMs, Electronic Funds Transfer at the Point of Sale, Automated Phone Banking and Internet banking.[72]

The voluntary standards for ATMs[73] cover a broad range of topics, including their access and location, their operation, the method of swiping and removing the cards, the display, the keypad, the output, security and privacy for the users, and finally, installation and operating instructions. There is a checklist provided with the recommended detailed standards for each of the above areas.

Electronic Funds Transfer at Point of Sale[74] occurs when funds are directly transferred from a cardholder's bank account to the retailer, when the cardholder's magnetic stripe card is swiped in an EFTPOS terminal. Cardholder authentication occurs by signature or Personal Identification Number (PIN). These standards cover areas such as access and location of the EFTPOS terminals, process of swiping, inserting or removing the card, operating instructions, display, keypad and output options, amongst others. A helpful checklist has been provided for EFTPOS deployers to assess whether their machines are disabled-friendly.

The guidelines on phone banking[75]

deal with financial services which are available to the customer via the telephone, that can be used by the customer without having to converse with an employee of the financial institution. The guidelines look at certain design principles, best practices for input and navigation, output, documentation, the role of TTY Communications and Relay Operators, and dealing with timeouts and errors. Like with the other standards, a checklist with the best practices as per the guidelines has been provided.

The standards on internet banking[76]

looks at various aspects of financial transactions taking place on the internet, and prescribe guidelines for design and implementation (for example: compliance with the WCAG1.0 standards), feedback and testing of accessibility, compatibility, enhanced usability (in areas such as navigation, registration, login, information redundancy and so on), consistency and user support. A specification checklist is also provided, so that owners can comfortably see whether their site is compliant with the guidelines or not.

There is an action plan for the above four set of guidelines, to check their implementation and to identify problems and barriers that may arise in the future.[77] Though these guidelines are voluntary, it is worthwhile to consider the example of such a detailed action plan, as implementation of any sort of guidelines will only become more efficient if something like this is followed.

The Australian Banker’s Association has also come up with a set of Guiding Principles for Accessible Authentication, which recognizes that “accessibility issues need to be considered in the deployment of authentication technologies, to ensure that people with disabilities and older people are not disadvantaged… The purpose of the Guiding Principles is to provide a framework for financial institutions to help reach a workable balance between security requirements, commercial strategies and equitable access to banking products and services.”[78] The Principles aim to follow certain universal design principles, of equitable and flexible use, minimal effort, simple and intuitive design, amongst others. They are as follows:[79]

Accessibility of authentication technologies: Financial institutions should ensure that authentication technologies are accessible to all customers, or where this is not possible, a human-based alternative authentication system needs to provide equivalent amenity and convenience.
Customer convenience: All customers should be able to undertake their personal and business financial activities conveniently and safely.
Authentication planning: Financial institutions should consider the accessibility needs of customers with disabilities and older customers as part of authentication technology planning.
Authentication testing: Financial institutions should consult customers with disabilities and older customers as part of planning and testing accessibility of authentication technologies.
Registration, login and transaction procedures: Financial institutions should ensure that registration; login and transaction procedures are as accessible as possible to all customers.
Messages and error recovery: Financial institutions should ensure that online messages are unambiguous and written in “plain English” and that error recovery processes are efficient and accessible.
Staff and customer training: Financial institutions should provide relevant customer support staff with appropriate disability awareness training so they are aware of the needs of customers with disabilities and older customers. In addition, financial institutions should provide customers with information and training in the use of available authentication technologies.
Raising staff, business and customer awareness: Financial institutions should develop a strategy for enabling relevant management and staff awareness of these Guiding Principles. In addition, financial institutions should promote the availability of alternative accessible authentication technologies with their customers.
Confidentiality of customer information: Financial institutions must ensure the confidentiality of information of customers with disabilities and older customers.

United States of America

The 2010 Standards under the ADA have set out detailed requirements to make ATMs accessible, as was discussed in the previous section of the paper. These elements are considered by the Department of Justice to be Auxiliary Aids and Services (and not structural elements) and the safe harbour provision does not apply to them.[80]

Though American ATMs have been equipped with text to speech functions and have been subject to height and space requirements for many years, the new rules provide for additional security and instructional features for disabled customers.[81]

All the ATMs which come under the scope of the ruling will have to be speech enabled; further, there are specifications as to the height requirement (the machine should be between 15 and 48 inches in height). There is a requirement that the input area be not just touchscreen, and it should be tactilely discernible from the surrounding surface; the keypad should be arranged in a manner that is common and easy to remember. Instructions about the use of the ATMs should be given in Braille and equal services should be offered to all customers, irrespective of their disabilities.

Subsequent to the passing of the ruling, the American Bankers’ Association recommended that banks be aware of the legal requirements under the Americans with Disabilities Act; ABA advocated that banks make a careful audit of their existing machines, and compare them to the standards to which they need to conform. In case the machines need to be upgraded, the machine manufacturers would have to be contacted in order to make alterations, if necessary.

Canada

Canada has issued standards for “self-service interactive devices”,[82] the umbrella term under which ATMs would fall, the purpose of which is to specify minimum accessibility and usability requirements for self-service interactive devices intended for public use. The standard specifies accessibility requirements for automated banking machines (ABMs) — both stand-alone and wall mounted — and ABM sites. There are specifications which give the various minimum dimensions that must be conformed to when constructing such self-service interactive devices. However, the standards do not look at the technological aspect, specifically excluding it from their purview and giving that responsibility to the relevant authority.[83] It is interesting to note that the steering committee that ultimately led to the adoption of the standards was pulled together by the Canadian Banker’s Association, and the committee included representatives from the major Canadian banks.[84] The committee recommended that there be a mandatory requirement for audible instructions and the provision for attaching headphones to an automated banking machine; it would be the duty of the financial institution to provide the headsets to the disabled customers, along with a list of machines where they could be used. The committee also looked into the issue of the cost of making the machines and other areas more accessible, and though they were waiting for more conclusive research, they were hesitant about the prohibitive cost of major redesigns.[85]

Netherlands

In 2007, the Dutch National Forum on the Payment System produced a document in English on "Guidelines for user-friendly payment terminals". These guidelines include advice on making payment terminals accessible and easy to use for people with disabilities and older people.[86] The guidelines describe certain standardised elements of the PIN payment procedure, the user interface and advocates practical values for the same.[87] The document then goes on to specify important design principles which must be kept in mind while considering the accessibility of payment gateways and banks; the guideline is designed in such a way that if the design principles are to be kept in mind, the subsequent ergonomic principles which have been described will be easy to meet.[88]

Suggestions and Recommendations

The report illustrates that though banks are mandated to ensure that there is accessibility in banking services in India, there is still a lot that needs to be done. There are several measures that can be taken up by banks, which will not be costly and which will be especially rewarding for customers with disabilities:

Compliance with RBI Guidelines: Banks should ensure a basic minimum compliance with the guidelines set forth by RBI for increasing access to banking services as described in Section 4.3 of the Report.
Compliance with International norms: Banks also need to ensure a basic minimum compliance with international norms, such as the WCAG 2.0 standards for websites, so that people with disabilities can access the bank websites with ease.
Physical Accessibility: Banks need to ensure that as far as possible, there is at least physical accessibility to their branches — which would include building ramps, having wider lifts, and so on. Branches should, even if they cannot be located on the ground floor, at least make reasonable accommodations for the disabled, such as having a person who can assist them up to the branch or come down to meet them. Branches should be organised in an easily navigable manner and there should always be a plan for assistance in place — interpreters, special staff to assist with filling out of forms, physical assistance, and easily available information in the form of maps, diagrams, bold text explanations, etc. Banks should also focus more on creating avenues for disabled customers to use their services. This would include building usable and user-friendly voice systems, which is currently needed.[89]
Technical Solutions: Today there are many technological solutions to overcome some of the barriers faced by the visually challenged in the area of banking. Finger print identification technology[90] can be effectively explored to allow the use of thumb impressions while operating bank accounts.[91] For example, the XRCVC is in the process of developing a 'thumb print recognition software named as "e-Signs" with the help of CMC Ltd. (a TATA Enterprise) which can be applied across the banking system in partnership with the RBI to process cheques.[92] Most manufacturers now have accessible ATM models and banks must ensure that new ATMs have these models installed, and that old ATMs are retrofitted to become accessible. Banks should also work with their technology departments to ensure that their mobile apps are accessible on screen reader and other assistive technology software.

Promote the growth of banking services for people with disabilities: State and national governments should encourage opening of bank accounts by the disabled so that any funds or scholarships can be directly transferred into their account as opposed to being given to organisations which may not transfer it to the beneficiaries — this would help curb malpractices. Information on how people with disabilities can open an account — whether joint or single — and the formalities they need to fulfil should be made easily and readily available. This will encourage more people to open accounts for/with the disabled.
Adopt accessible formats for disabled customers: Banks should publish instruction manuals for ATMs as well as banking procedures in accessible formats such as Braille and DAISY. The banks can then take help of various volunteer organisations in producing and distributing the books to the relevant segments of the population. Such materials should also be made available for download, free of cost, on the bank’s website.
Training and sensitisation: Banks should not simply train and sensitise their employees and increase awareness of the various kinds of disability and the services to be provided to the disabled, but actively solicit those with special needs and make it clear that they "understand their needs" and welcome their business. Banks need to consider whether it makes sense to have separate or specially prepared paperwork for the disabled to fill out if the regular forms are difficult to read or understand.
Preferential Treatment: The Ministry of Finance should push for preferential treatment of all persons with disabilities along the same lines as the special rates of interest provided to the elderly. Public sector banks like the State Bank of India have a massive network and such visible and actively advertised preferential treatment will spread awareness not only at the bank level but in society as well. This will really encourage family members of the disabled to help them set up bank accounts and will foster independence.
“Know Your Customer” (KYC) procedures undertaken by banks should be clarified and made simpler — a one-time verification should take place rather than repeated calls, visits, questions, clarifications and summons to the office or branch.
Bank managers and staff should be proactive and watchful enough to monitor and check for abuse of power by those who are 'assisting' or administering the property and money of the disabled, who are even more susceptible to fraud than the average account holder, and therefore should be provided with stronger anti-fraud/theft services, such as more frequent SMS or email alerts for transactions.

The most important aspect[93] that financial service providers need to understand is that accessibility— goes much beyond merely providing ramps and the financial service providers do not currently understand the variety of disabilities and the issues which are tied to each kind of disability. Consider ATMs — the way they are currently designed, the machines are too high for users who are in a wheelchair and the doors themselves are inaccessible to the orthopedically challenged; ATMs have neither voice support nor compatible software for the visually challenged. Thus, a basic and fundamental change in the way banks are catering to customers’ needs to take place.

Financial service providers should be more encouraging and should engage in outreach to make it easier and more attractive for those with less capability to open and operate accounts with their parents or guardians. Financial independence and control should be offered and facilitated to the maximum extent possible.

Accessibility should not be treated as a corporate social responsibility measure by the large banks and financial corporations, but as a responsibility to be fulfilled regardless of anything else. Further, public sector banks have the biggest responsibility to implement these measures — while they employ people with disabilities because they have a reservation [94] for them, their services are not accessible to their own employees! There needs to be an effort made to ensure that the internal banking software which is used is accessible for people with disabilities and can be accessed by them using the appropriate assistive technology like screen readers.

Financial service providers should tailor accessibility solutions to address each kind of disability and the range of problems faced by the persons affected by them; they should look at best practices from around the world and implement solutions on their own steam instead of minimum compliance with the government or RBI requirements. Ultimately, making financial services more accessible will only mean that their customer base will grow. Change needs to be top-down — rules and regulations first, then training, sensitisation, and then infrastructure. Schemes and offers should be put in place to attract the disabled as customers, assure them of good and competent service without discrimination, and incentives to invest or save (by offering special schemes such as those which currently exist for women and the elderly).

Building such systems would involve learning more about the customers and their particular situations and needs, and banks can take the help of various organisations that work with the disabled in order to get a better understanding of what they need to deliver. While there are some voluntary standards that can be used as a guide,[95] the most important aspect is to keep the basics in mind: simple and clear language, audible scripts, easy and non-confusing navigation and instructions and the ability to speak to someone in case of an error; these are all elements that will go a long way in ensuring that disabled customers are more equipped to use the financial services offered by a bank.

It would be helpful if there was a monitoring or evaluating mechanism to see how far banks are complying with the standards or guidelines that have been set forth before them. There needs to be a comparative study about how far, for example, the bank websites are compliant with the WCAG Guidelines on Web Accessibility or how easy it is for people with disabilities to access the bank counters and ATMs in different branches. Such a study would give good empirical evidence and serve as the starting point for improvement on the current scenario.[96]

In the light of the above, some specific suggestions/ recommendations are made to the Department of Banking Operations in order to make banking more inclusive for persons with disabilities and senior citizens as under:

The department may consider coming out with a policy/ Code requiring all banks to make their services accessible to persons with disabilities. The Policy/ Code may also identify good practices to be followed by banks with respect to areas such as websites, ATMs, mobile and phone banking services, website accessibility and customer care.
The Department may require RBI to stringently enforce its notification regarding accessibility of ATMs
The Department may ensure that accessibility be incorporated as a key strategy in all future policies and programmes planned by the Department and is also incorporated in any existing policy which is executed by the department.
The Department may involve persons with disabilities in executing its accessibility strategy and identify goals/ targets to be achieved over the next 5 years in terms of making banking services accessible in India.

Bibliography

“Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm.
“Guidelines for Accessible and Usable Web Sites: Observing Users Who Work with Screen Readers”, Mary Theofranos and Janice Redish, available at http://redish.net/content/papers/interactions.html.
“The Banking Experience: How to Make Financial Services Accessible for Blind and Partially Sighted People”, RNIB’s Handbook of Good Practices and Standards, at http://www.rnib.org.uk/aboutus/Research/reports/2012/Banking_Experience_CP.pdf.
“Website Accessibility”, available at http://www.tiresias.org/research/guidelines/web.htm.
ABA Guiding Principles for Accessible Authentication, available at http://www.bankers.asn.au/ArticleDocuments/177/ABA-Guiding_Principles_for_Accessible_Authentication.doc.aspx
John Gill, “The Markets for the Adaptation of Self Service Terminals to be Accessible by People with Disabilities”, available at http://europa.eu/information_society/activities/einclusion/docs/worshop_atm/atm_markets_report.doc
Carolyn Samuel, “Making Bank Notes Accessible for Canadians Living with Blindness or Low Vision”, available at http://www.bankofcanada.ca/wp-content/uploads/2011/08/samuel.pdf.

Glossary of Terms

ABA - Australian Bankers’ Association
ABM - Automated Banking Machines
ADA - Americans with Disability Act
AFA - Access for All
BRA - Banking Regulation Act
BT - British Telecom
CAPTCHA - Completely Automated Public Turing test to tell Computers and Humans Apart
DDA - The Disability Discrimination Act (Australia)
EFTPOS - Electronic Funds Transfer at Point of Sale
HREOC - Human Rights and Equal Opportunity Commission
HTML - Hyper Text Markup Language
IBA - Indian Banks’ Association
IVR - Interactive Voice Response
NIC - National Informatics Centre
PIN - Personal Identification Number
PWD - People with Disabilities
PWDA - The People with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995
RBI - Reserve Bank of India
RTF - Rich Text Format
TTS - Text to Speech
UNCRPD - United Nations Convention on Persons with Disabilities
WCAG - Web Content Accessibility Guidelines
XRCVC - Xavier’s Resource Centre for the Visually Challenged

Annexure 1 – Disability and Accommodations

Disability	Branch Banking	Phone Banking	Internet Banking	Payment Terminals and Kiosks	Mobile Banking
Physical Disability	Bank branches are inaccessible to people using wheelchairs, as they are not provided with ramps, and often have steps at the entrance The queuing and counter system in place is not friendly for customers with disabilities; desks are not always at a height that can be accessed by someone in a wheelchair The staff is not sensitised to the needs of customers with physical disabilities Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Construct ramps and walkways so that buildings are accessible by wheelchairs Ensure that the bank layout is accessible and as uniform as possible, ensuring ease of access for customers with disabilities		Using websites which are not accessible could be a problem for a person who doesn’t have full use of their limbs Suggested Solution: Ensure websites are compatible with assistive technologies, such as alternate input devices. Standards such as the WCAG should be followed	ATM entrances are not accessible for people with wheelchairs as they are not provided with ramps ATMs are often too high, and cannot be accessed by someone who is sitting in a wheelchair Using keypads could be a problem for a person who doesn’t have full use of their limbs Suggested Solution: ATMs should be provided with ramps (with the appropriate slope) that can be accessed by customers in a wheelchair ATMs should be at the appropriate height and should be designed keeping in mind the needs of people in wheelchairs	Using phone apps could be a problem for a person who doesn’t have full use of their limbs Suggested Solution: Mobile apps should have a clean interface, which is not problematic to use and which can be controlled by voice commands
Visual Disability	Branches are not laid out in a uniform manner, and are difficult to navigate for someone who can’t see The signage is not done in raised texture maps, and so can’t be accessed by someone who can’t see Coinage in India is not disabled-friendly, with the coin sizes being very similar to each other and difficult to demarcate Bank literature is not available in large print or Braille formats and so can’t be read by people with low or no vision Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Textured maps and signage should be made readily available at branch locations The branch layout should be simplified so that someone with a visual disability is not at a disadvantage In case the customer desires, bank literature, statements and other documents should be made available in alternate formats (eg: large print, Braille, PDF)		Websites are often not accessible using assistive technologies like screen readers, and are not navigable using non-traditional input devices Suggested Solution: Websites need to be made accessible and should comply with the Web Content Accessibility Guidelines (WCAG) which clearly specify how best to make the web interface usable for people with disabilities	There aren’t many speaking ATMs with audio jacks which can be used by people who can’t use the touchscreen The number pad display is not uniform amongst various banks, and so can be problematic for people relying on tactile memory Suggested Solution: Banks should introduce more speaking ATMs, which have an audio jack that can be plugged into a listening device, which helps a customer with visual disability use an ATM	Mobile banking apps are not accessible using phone screen reading software Suggested Solution: Phone apps need to be made accessible and should comply with the W3C Guidelines which specify how best to make the mobile interface usable for people with disabilities
Hearing Disability	Branch officials have not been sensitised to the requirements of someone who is hearing impaired, who might require them to write down their statements Sign language interpreters are not on call to help translate in case a person with disability needs them Alert and announcements in banks are usually based on sound notifications, and so can often be missed by customers with hearing disabilities Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Designated branches should have a sign language interpreter on call for assistance of customers with hearing disabilities Notifications and announcements, such as at a teller, should be accompanied by a visual alert as well (eg: a blinking light, or a number flashing on a screen)	There is great reliance on spoken directions and no option for a deaf customer to have a conversation about phone banking with their bank No provision for options such as text relay that can be used by deaf customers to do banking transactions The options on an automated VRS system at a bank’s call centre are often not clear and are incomprehensible Suggested Solution: Banks should attempt to introduce text relay services, which can be used by deaf customers to communicate with bank officials via the phone The VRS system should be in clear, understandable and audible tones for the ease of customers		Alerts and notifications in an ATM are usually in the form of a loud noise or a beep, which will be missed by a person with hearing disability Suggested Solution: ATMs should have a light which flashes in case of a notification, which will come to the attention of the user
Cognitive Disability	Bank literature and documents are complicated and the language is not easy to comprehend; this could be a problem for someone with a learning disability Banks have a bias against someone with a learning disability and despite rules against this, are reluctant to open account for customers with cognitive disabilities Suggested Solution: Conduct sensitisation and training programmes for the staff train them about the needs of customers with disabilities Bank documents, scheme information and so on should be in clear, easy to understand language	The options on an automated VRS system at a bank’s call centre are often not clear and are incomprehensible Suggested Solution: The VRS system should be in clear, understandable and audible tones for the ease of customers

Annexure 2 – Banking and Accessibility Guidelines

Area of Banking	Guidelines/Recommendations
Mobile banking	Web Accessibility Initiatives international guidelines on mobile accessibility: http://www.w3.org/WAI/mobile/
Internet banking	The Web Content Accessibility Guidelines lay down the principles for making websites more accessible for people with disabilities: http://www.w3.org/TR/WCAG/ Australian Industry Standards for Electronic Banking: http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking- Royal National Institute for the Blind’s Good Practices and Standards for Electronic Banking: www.rnib.org.uk/aboutus/Research/reports/2012/Banking_Experience_CP.pdf
ATMs and payment kiosks	Americans with Disabilities Act ATM Standards, 2010: www.firstdata.com/downloads/thought-leadership/atm_ada_accessibility.pdf Australian Industry Standards for ATMs: www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/ATM-Standard Canadian Guidelines on Self Service Interactive Devices: A summary is available at “Standard B651.1-09”, sourced from http://hub.eaccessplus.eu/wiki/Canadian_standard_for_accessible_design_for_automated_banking_machines Dutch Guidelines on Payment Terminals: http://hub.eaccessplus.eu/uploads/a/a1/Dutch_Guidelines_on_payment_systems.pdf
Phone Banking	Australian Industry Standards for Automated Phone Banking: http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Automated-Telephone-Banking-Standard
Branch Banking	New Zealand Banker’s Association Voluntary Guidelines on Meeting Needs of Older and Disabled Customers: http://www.nzba.org.nz/banking-standards/code-of-banking-practice/voluntary-guidelines-to-assist-banks-to-meet-the-needs-of-older-and-disabled-customers/

[1]. Data taken from http://www.disabilityindia.com/html/facts.html.

[2]. “NCR Corp to set up 50 Talking ATMs in Post Offices”, available at http://lflegal.com/2012/09/ncr-india/.

[3]. More data on disability can be seen at the World Bank Country Profile on Disability for India, available at http://siteresources.worldbank.org/DISABILITY/Resources/Regions/South%20Asia/JICA_India.pdf.

[4]. Full text available at http://www.un.org/disabilities/default.asp?id=259.

[5]. Full text available at http://www8.cao.go.jp/shougai/english/biwako/contents.html.

[6]. See generally: “Guidelines for Accessible and Usable Web Sites: Observing Users Who Work with Screen Readers”, Mary Theofranos and Janice Redish, available at http://redish.net/content/papers/interactions.html, last viewed on July 26.

[7]. Article 14: Equality before law - The State shall not deny to any person equality before the law or the equal protection of the laws within the territory of India (Prohibition of discrimination on grounds of religion, race, caste, sex or place of birth).

[8]. Article 15. Prohibition of discrimination on grounds of religion, race, caste, sex or place of birth
(1) The State shall not discriminate against any citizen on grounds only of religion, race, caste, sex, place of birth or any of them
(2) No citizen shall, on grounds only of religion, race, caste, sex, place of birth or any of them, be subject to any disability, liability, restriction or condition with regard to
(a) access to shops, public restaurants, hotels and palaces of public entertainment; or
(b) the use of wells, tanks, bathing ghats, roads and places of public resort maintained wholly or partly out of State funds or dedicated to the use of the general public

[9]. Article 253: Legislation for giving effect to international agreements - Notwithstanding anything in the foregoing provisions of this Chapter, Parliament has power to make any law for the whole or any part of the territory of India for implementing any treaty, agreement or convention with any other country or countries or any decision made at any international conference, association or other body.

[10]. For more details on the legislation, along with the full text, refer to http://socialjustice.nic.in/policiesacts3.php.

[11]. See generally: www.accessability.co.in/access/files/Accessibility-in-India-Issues-Status-Way-Forward.pps.

[12]. “Bank loses accessibility case”, available at http://www.fm-world.co.uk/news/fm-industry-news/bank-loses-accessibility-case/.

[13]. Singh, A. & Nizamie, S.H. (2004) Disability: the concept and related Indian legislations. Mental Health Reviews, accessed from http://www.psyplexus.com/mhr/disability_india.html on September 11, 2012.

[14]. Id.

[15]. Id.

[16]. Full text of the legislation is available at The Banking Regulation Act, 1949, http://indiankanoon.org/doc/1129081/

[17]. Section 35A: Power of the Reserve Bank to give directions-
(1) Where the Reserve Bank is satisfied that-
(a) in the public interest; or
(aa)in the interest of banking policy; or
(b) to prevent the affairs of any banking company being conducted in a manner detrimental to the interests of the depositors or in a manner prejudicial to the interests of the banking company; or
(c) to secure the proper management of any banking company generally; it is necessary to issue directions to banking companies generally or to any banking company in particular, it may, from time to time, issue such directions as it deems fit, and the banking companies or the banking company, as the case may be, shall be bound to comply with such directions.
(2) The Reserve Bank may, on representation made to it or on its own motion, modify or cancel any direction issued under sub- section (1), and in so modifying or cancelling any direction may impose such conditions as it thinks fit, subject to which the modification or cancellation shall have effect.

[18]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Id=4226&Mode=0

[19]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Id=4923&Mode=0

[20]. Available at http://www.rbi.org.in/scripts/BS_CircularIndexDisplay.aspx?Id=7548

[21]. Available at http://rbi.org.in/scripts/BS_CircularIndexDisplay.aspx?Id=5071.

[22]. “Banking Made Easier for People with Disabilities”, available at http://www.autism-india.org/india_legal.html.

[23]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Mode=0&Id=5248.

[24]. National Policy for Persons with Disability, available at http://www.socialjustice.nic.in/nppde.php?format=print.

[25]. Principle Areas of Intervention VI (x): “Banking system will be encouraged to meet the needs to the persons with disabilities”, Id.

[26]. See generally: Discussion on disability in the Mid Term Appraisal of the Eleventh Five Year Plan, Page 185, available at http://planningcommission.nic.in/plans/mta/11th_mta/chapterwise/Comp_mta11th.pdf.

[27]. Tim Noonan, “Acceptable E-commerce in Australia: A Discussion Paper about the Effects of Electronic Commerce Developments on People With Disabilities”, available at http://www.timnoonan.com.au/ecrep10.htm

[28]. Id.

[29]. “Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm, last viewed on July 26, 2012.

[30]. See generally: Accessibility at the RBS, available at http://www.bankofscotland.co.uk/accessibility/hearing-impaired/, last viewed on July 20.

[31]. In conversation with Mr. George Abraham, CEO, SCORE Foundation. Ms. Radhika Alkazi, Managing Trustee of Aarth-Aastha also pointed out that in many instances, banks often ask persons with disabilities to bring someone else to sign for them (or operate the account on their behalf) even when the person is fully capable of signing and operating the account themselves. There is no fixed basis for the procedure, which varies from bank to bank.

[32]. “Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm, last viewed on July 26, 2012.

[33]. “The Challenges of Blind Internet Users”, available at http://www.evengrounds.com/blog/challenges-of-blind-internet-users, last viewed on July 15.

[34]. See generally: Accessibility at the RBS, available at http://www.bankofscotland.co.uk/accessibility/visually-impaired/, last viewed on July 20.

[35]. Consider the development of such ATMs by Wells Fargo bank in the USA; more details are available at https://www.wellsfargo.com/about/diversity/accessibility/.

[36]. In conversation with Mr. Anil Joshi, the Programme Director of Human Ability and Accessibility at IBM, who works with parents of children with Down’s Syndrome and other mental disabilities. He also pointed out that given that only a miniscule portion of people with disabilities are able to understand banking concepts, the few who do so invariably use banking facilities with the help of their parents or guardians.

[37]. “Barriers to Using Automatic Teller Machines”, Tim Noonan, available at http://www.hreoc.gov.au/disability_rights/inquiries/ecom/atmpaper.htm, last viewed on July 26, 2012.

[38]. “Customising mobile banking in India: issues and challenges”, Address delivered by Shri Harun R. Khan, Deputy Governor, Reserve Bank of India, at the FICCI-IBA (FIBAC) 2012 Conference on-“Sustainable excellence through customer engagement, employee engagement and right use of technology” on September 5, 2012 at Mumbai, available at http://www.rbi.org.in/scripts/BS_SpeechesView.aspx?id=726.

[39]. Id.

[40]. Available at http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=1660.

[41]. Leonard R. Kasday, "A Tool to Evaluate Universal Web Accessibility" Posters, Proceedings of the 2000 International Conference on Intelligent User Interfaces 2000, pp. 161-162.

[42]. See generally: “WCAG 2 at a Glance”, available at http://www.w3.org/WAI/WCAG20/glance/

[43]. See generally: “Website Accessibility”, available at http://www.tiresias.org/research/guidelines/web.htm

[44]. For more details, see generally: “Website Accessibility”, available at http://www.tiresias.org/research/guidelines/web.htm

[45]. The Compliance Matrix can be accessed at http://web.guidelines.gov.in/compliance.php.

[46]. “Deaf and Hearing Impaired”, Woei-Jyh Lee, Handbook of Universal Usability in Practice, available at http://otal.umd.edu/UUPractice/hearing/, last viewed on 23 July, 2012.

[47]. “ATM Usage very low in India, says RBI”, available at http://www.firstpost.com/economy/atm-usage-very-low-in-india-says-rbi-404198.html.

[48]. Available at http://rbi.org.in/scripts/NotificationUser.aspx?Id=7286&Mode=0.

[49]. Harsh Vardhan, “White Label ATMs”, available at http://ajayshahblog.blogspot.in/2012/08/white-label-atms.html.

[50]. “Department of Justice finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12.

[51]. “Department of Justice Finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12.

[52]. “Making Bank Notes Accessible for Canadians Living with Blindness or Low Vision”, Carolyn Samuel, available at http://www.bankofcanada.ca/wp-content/uploads/2011/08/samuel.pdf.

[53]. Id.

[54]. Carolyn Samuel, “Making Bank Notes Accessible for Canadians Living With Blindness or Low Vision”, available at http://www.bankofcanada.ca/wp-content/uploads/2011/08/samuel.pdf.

[55]. (DBOD.No.Leg.BC.123 /09.07.005/2008-09).

[56]. Refer to Section 4.3 of the Report.

[57]. Dinesh Kaushal, “The Case for Accessible Banking”, available at http://cis-india.org/accessibility/accessible-banking.

[58]. NR Indran, “UBI to deploy Mumbai’s first Talking ATM for the visually challenged”, available at http://apnnews.com/2012/07/09/ubi-to-deploy-mumbai%E2%80%99s-first%E2%80%98talking-atm%E2%80%99-for-the-visually-challenged-powered-by-ncr/

[59]. Id.

[60]. “NCR Corp to set up 50 Talking ATMs in passport offices”, available at http://lflegal.com/2012/09/ncr-india/.

[61]. “NCR Corp to set up 50 Talking ATMs in passport offices”, available at http://lflegal.com/2012/09/ncr-india/.

[62]. Dinesh Kaushal, “The Case for Accessible Banking”, available at http://cis-india.org/accessibility/accessible-banking.

[63]. Id.

[64]. “Department of Justice Finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12.

[65]. See more details at http://www.unionbankofindia.co.in/personal_TalkingATMs.aspx

[66]. These guidelines are available at http://www.nzba.org.nz/banking-standards/code-of-banking-practice/voluntary-guidelines-to-assist-banks-to-meet-the-needs-of-older-and-disabled-customers/

[67]. Id.

[68]. Id.

[69]. Id.

[70]. Section 4 of the DDA defines disability in relation to a person as:
a. total or partial loss of the person's bodily or mental functions; or
b. total or partial loss of a part of the body; or
c. the presence in the body of organisms causing disease or illness; or
d. the presence in the body of organisms capable of causing disease or illness; or
e. the malfunction, malformation or disfigurement of a part of the person's body; or
f. a disorder or malfunction that results in the person learning differently from a person without the disorder or malfunction; or
g. a disorder, illness or disease that affects a person's thought processes, perception of reality, emotions or judgment or that results in disturbed behaviour; and includes a disability that:
a. presently exists; or
b. previously existed but no longer exists; or
c. may exist in the future; or is imputed to a person.

[71]. Section 4 of the DDA defines a service as relating to, amongst other things, banking, insurance, superannuation and the provision of grants, loans, credit or finance, and including financial and information services provided, for example, through websites, telephones, ATMs and EFTPOS.

[72]. For a full list, please refer to: http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Industry-Standards---Accessibility, last accessed on 12^th August, 2012.

[73]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/ATM-Standard

[74]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/EFTPOS-Standard

[75]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Automated-Telephone-Banking-Standard

[76]. ABA Industry Standard on Electronic Banking, available at http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Internet-Banking-Standard

[77]. Refer to http://www.bankers.asn.au/Industry-Standards/ABAs-Accessibility-of-Electronic-Banking-/Australian-Banking-Industry-E-Commerce-Industry-Action-Plan

[78]. “Background to the Guiding Principles”, Section 1.1 of the ABA Guiding Principles for Accessible Authentication, available at http://www.bankers.asn.au/ArticleDocuments/177/ABA-Guiding_Principles_for_Accessible_Authentication.doc.aspx

[79]. Id.

[80]. “Department of Justice Finalises New ATM Accessibility Standards”, available at http://www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf, last viewed on July 12

[81]. See generally: “Department of Justice finalizes new ATM accessibility standards”, available at www.diebold.com/solutions/atms/opteva/html/Diebold_AccessibilityStandards.pdf

[82]. A summary is available at “Standard B651.1-09”, sourced from http://hub.eaccessplus.eu/wiki/Canadian_standard_for_accessible_design_for_automated_banking_machines, and a full text can be purchased from the Canadian Standards Association website.

[83]. “The extent to which technical requirements are applied is the responsibility of others, such as the authority having jurisdiction.”

[84]. “Barrier Free Banking”, available at http://www.abilities.ca/agc/article/article.php?pid=&cid=&subid=&aid=429

[85]. Id.

[86]. “Dutch Guidelines for User Friendly payment terminals”, available at http://hub.eaccessplus.eu/wiki/Dutch_Guidelines_for_user-friendly_payment_terminals

[87]. “Dutch Guidelines for Payment Systems”, available at http://hub.eaccessplus.eu/uploads/a/a1/Dutch_Guidelines_on_payment_systems.pdf

[88]. Id.

[89]. Building User Friendly Voice Systems, Tim Noonan, available at http://www.timnoonan.com.au/ivrpap98.htm

[90]. See generally, “What are the possibilities”, the webpage for the Xavier’s Resource Centre for the Visually Challenged, available at http://www.xrcvc.org/fs_alternatives.php

[91]. In countries like Japan, even sighted people use what are known as signature stamps, Hanko and Inkan, instead of actual signatures, for signing of official documents. This is a practice that can also be incorporated by banks.

[92]. See generally, “What are the possibilities”, the webpage for the Xavier’s Resource Centre for the Visually Challenged, available at http://www.xrcvc.org/fs_alternatives.php.

[93]. In conversation with Ms. Anubhuti Mittal, who works for HR Solutions for the Differently Abled, and runs a consultancy which works with people with disabilities, providing recruitment services to the disabled, doing access audits, job mapping, sensitization and training of employees at organisations.

[94]. Pursuant to Section 33 of the PWD Act, which states: Every appropriate government shall appoint in every establishment such percentage of vacancies not less than three per cent for persons or class of persons with disability of which one per cent? each shall be reserved for persons suffering from:

Blindness or low vision;
Bearing impairment;
Loco motor disability or cerebral palsy, in the posts identified for each disability:

Provided that the appropriate Government may, having regard to the type of work carried on in any department or establishment, by notification subject to such conditions, if any, as may be specified in such notification, exempt any establishment from the provisions of this section.

[95]. For example, the Australian and New Zealand Standards (AS/NZS 4263).

[96]. A good reference point would be “A Look at Internet Banking Accessibility in Australia”, Sofia Celic, Steven Faulkner, and Andrew Arch, available at http://ausweb.scu.edu.au/aw04/papers/refereed/celic/paper.html, where the authors have studied the websites of different Australian banks to see how far they are complying with the WCAG1.0 guidelines and have rated them on different criteria. Unfortunately, the team found that “the overall status of the accessibility of Australian banking web sites, using the accessibility of their home pages as an indicator, is less than desirable. None of the banks assessed has met the ABA recommended timetable of addressing all applicable WCAG 1.0 Priority 1 and Priority 2 checkpoints within 18 months of the Standard being released (April 2002).”

Contributors:

Nirmita Narasimhan, Policy Director
Vrinda Maheshwari, Consultant

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For more details visit https://cis-india.org/accessibility/blog/banking-and-accessibility-in-india-report

National Resource Kit: The Lakshadweep Chapter (Call for Comments)

anandi — 2014-02-20T10:00:32Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of Lakshadweep.

The Department of Social Justice, Empowerment and Culture is responsible for welfare of persons with disabilities in Lakshadweep. The union territory has an estimated population of 1678 persons with disabilities in a total population of 64,429 people. Lakshadweep implements two schemes under Skill Development & Employment, three schemes under Social Security, Health, Rehabilitation & Recreation and has notified authorities for disability Certification and certifying Organisations & Individuals for Persons with Disabilities.

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For more details visit https://cis-india.org/accessibility/blog/national-resource-lakshadweep-chapter-call-for-comments

National Resource Kit : The West Bengal Chapter (Call for Comments)

anandi — 2013-11-07T06:19:34Z

The National Resource Kit team is pleased to bring you its research on the state of laws, policies and programmes for persons with disabilities in the state of West Bengal.

Note: The chapter is an early draft and will undergo subsequent modifications. We welcome comments and feedback from our readers.

Executive Summary

The state of West Bengal has issued the West Bengal Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Rules 1999 to implement the provisions under the central Persons with Disabilities (Protection of Rights, Equal Opportunities and Full Participation) Act 1995.

The Department of Women and Child Development and Social Welfare is primarily responsible for the welfare of persons with disabilities in the state. The government of West Bengal has issued six notifications in education, ten notifications in employment and training, ten notifications in health and rehabilitation, ten notifications in social protection and two notifications in transport for persons with disabilities.

Capital: Kolkata

Population: 91,347,736

Population of persons with disabilities: 1,847,184

Literacy: 77.08%

HDI: 0.625 Ranked: 19th (2005 status)

Department: Department of Women and Child Development and Social Welfare

Other authorities: Office of the Chief Commissioner for Persons with Disabilities

Click to download the West Bengal chapter (PDF, 344 Kb)

For more details visit https://cis-india.org/accessibility/blog/the-west-bengal-chapter