VISVESVARAYA TECHNOLOGICAL UNIVERSITY

“Jnana sangama”, Belagavi – 590018

ADICHUNCHANAGIRI INSTITUTE OF TECHNOLOGY
Chikmagalur – 577102

AICTE ACTIVITY PROGRAMME

Report on

“DIGITAL AWARENESS PROGRAM”

In partial fulfillment of the requirements for the degree of

Bachelor of Engineering
In
DEPARTMENT OF CIVIL ENGINEERING

Under the guidance of

Mr. Abhilash D.T Mr. Goutham D .R

Assistant Professor Assistant Professor
 “DIGITAL AWARENESS PROGRAM”
Is carried out by the below students of Department of Civil Engineering
Students under AICTE ACTIVITY PROGRAMME.

AFNAN ZAID PASHA 4AI17CV002

AMULYA M 4AI16CV003
ASHITH N.R 4AI18CV015
BHARATH S.M 4AI18CV019
BHAVANA H.V 4AI18CV020
CHALUKYA K T 4AI18CV023
CHANDANA B.H 4AI18CV025
CHANDANA B.S 4AI18CV026
CHIDANAND U 4AI18CV029
FIDA AROOJ 4AI18CV040
GAGANASHREE K IDARAMANI 4AI18CV043
KISHORE T J 4AI18CV056
P V MEGHRAJ 4AI17CV059
 ADICHUNCHANAGIRI INSTITUTE OF TECHNOLOGY
(AFFILIATED TO VISVESVARAYA TECHNOLOGICAL UNIVERSITY),
BELAGAVI-590018
CHIKKMAGALUR 577102
DEPT OF CIVIL ENGINEERING

CERTIFICATE
This is to certify an activity entitled “DIGITAL AWARENESS PROGRAM”
carried out by PV MEGHRAJ (4AI17CV059)is a bonafide work as per AICTE
activity programme guidelines, in partial fulfilment of the requirements for the
Degree in Bachelor of Engineering in Department of Civil Engineering. The activity
report has been approved as it satisfies the academic.

Signature of coordinators Signature of HOD

 ACKNOWLEDGEMENT

Seeking the blessings of Parama Poojya Jagadguru Sri Sri Sri Padmabhushana

Dr.Balagangadharanatha Maha Swamiji and we submit our pranaam as to permit Jagadguru Sri Sri

Sri Nirmalananda Swamiji Adichunchanagiri Maha Samasthana Matt who has showed their

blessings on his for farming our career successfully

We are deeply indebted to our honourable principal Dr.C T Jayadev for creating the right kind of

care to.

We express our deepest gratitude to our beloved HOD Dr M Ramegowda department of civil

engineering for his valuable guidance suggestions and constant encouragement without which

success of activity program would have been difficult.

We are thankful to our faculty coordinator Abhilash D T Assistant Professor, Department of Civil

Engineering for his inspirational and lively correspondents right from the beginning of our project

work till its completion we would like to thank our beloved parents for their support encouragement

and blessings and last but not the least we would be very pleased to express our heartily thanks to

all teaching and non-teaching staff of civil department and friends who have rendered their help

motivation and support requirements in respect of the activity programme guidelines prescribed by

the university and AICTE.

 PREAMBLE

The AICTE activity programme, a non-credit programme, is designed with a view to make students
to be a successful as professionals apart from technical knowledge and skills one should also have
excellent soft skills, leadership qualities and team spirit. they should have entrepreneurial
capabilities and social commitment. In order to match these multifarious requirements, AICTE has
created a unique mechanism of awarding activity points over and above the academic grades.

OBJECTIVE OF THE ACTIVITY:

▪ The objectives of AICTE student activity is to expose students to real-time life challenges,
to provide the opportunity to gather data, analyse data, propose solutions and implement
solutions.
▪ Also, it paves the way for personal development and creative engineers who are proud
volunteers with a sense of achievement and ready to take up projects having a social impact
and creating digital awareness.
▪ Besides, it helps the students to strengthen their soft skills, leadership qualities and team
spirit.
▪ Moreover, these activities inculcate entrepreneurial mindset and societal Commitment.
 CONTENTS

➢ INTRODUCTION DIGITAL AWARENESS PROGRAM

➢ INFORMATION ABOUT MONEY TRANSCATION

➢ ARE DIGITAL TRANSACTIONS SECURED

➢ ADVANTAGES OF DIGITAL PAYMENT TRANSACTION

OVER CASH

➢ ANDROID APPLICATION USED FOR DIGITAL PAYMENTS

▪ DAY-1 (BILEKAL)

▪ DAY-2 (KURUVANGI)

▪ DAY-3 (KALYAN NAGARA)

CONCLUSION
INTRODUCTION DIGITAL AWARENESS PROGRAM

Digital Awareness Program, which was made by All India Council for Technical Studies
(AICTE) for technical education and to promote development in the country in a coordinated and
integrated manner by the upcoming generation. As per the program, our program was scheduled
from 13 APRIL 2022 to 15 APRIL 2022 On Weekends .Our destination was the village named
Bilekal village is located in Chikkamagaluru Taluk of Chikkamagaluru district in Karnataka,
India. It is situated 2km away from Chikkamagaluru. The total geographical area of village is
202.45 hectares. Bilekal has a total population of 1,622 peoples. There are about 364 houses in
Bilekal village. Chikkamagaluru is nearest town to Bilekal and kuruvangi which are
approximately 7km away and we have managed to cover all the parts of this village trying to
aware the village people about modern technologies and necessities. We had covered 8 hours per
day in groups by taking survey and spreading Digital awareness for 3days by giving them
information individually by door to door about Digital Awareness about Digital Payments.
INFORMATION ABOUT DIGITAL MONEY TRANSACTION

DIGITAL TRANSACTIONS

Digital transactions can be broadly defined as online or automated transactions that take place
between people and organizations-without the use of paper. Chances are that you've already
participated in such a transaction. For instance, if you've purchased an item and the sales
associate rang you up using an i-Pad rather than a cash register, you were part of a digital
transaction. Or, if you sent or signed a contract online rather than using a printed paper version,
you benefited from a digital transaction. In both of these cases, going digital improves the
experience-it makes the transaction faster, easier, more accurate, and more convenient.

Going digital provides great benefits for companies. Digital transactions save time and money,
resulting in a better bottom line. Customer experiences are also enhanced (think of the
convenience of e -Signing versus having to print a contract, sign it, and then return it by mail or
fax). And digital transactions improve tracking capabilities-which helps reduce errors. Find out
how the following industries can improve their business and stay competitive by switching to
digital transactions.

ARE DIGITAL TRANSACTIONS SECURED:

Like all other activities over the Internet, digital transactions too can be subject to attacks that
compromise your security and put you at the receiving end of financial misappropriation and
privacy invasion. This includes all your digital transaction avenues such as payments through
UPI, credit/debit cards, mobile banking among others

Here’s what you can do ensure that all your digital transactions are carried out in a secure
manner;

1) Use unique passwords:

While this may sound like a basic piece of advice, it is fundamental to building a safe digital
transaction ecosystem. Ensure that your passwords for all modes of transactions are different
from each other and are not easily decipherable. Avoid using names, birthdays, and other such
details for passwords.
2) Don't save card details:

Most of us use digital transactions on a daily basis to buy food, clothes and even pay utility bills.
In such a situation, it may seem tedious to have to enter your card details in your phone or laptop
every day. But it is always recommended to not save your card details and only enter them as
and when required to ensure that your financial details are safe in the event that the device falls
into wrong hands.

3) Use only private network:

Ensure that you are making all transactions are made over a private network only. A public Wi-
Fi network can be susceptible to fraudulent activities and phishing attacks. Transactions made on
public networks or devices put you at a higher risk of data theft.

4) Always check your financial statements:

Several users often go through their financial statements only once a month. However, this is not
a best practice, especially if you are someone who uses digital modes of payment regularly.
Ensure that you read through messages that you receive after every payment and make a detailed
viewing of your financial statement once a week or more. In case you spot any inconsistencies,
raise a ticker or dispute it with the bank or payment platform immediately.

5) Do not share your details:

It is imperative that users do not share their financial details over the phone with anyone
including those who claim to be working for banks or any other financial institutions. Moreover,
it is also advisable to use features like two-factor authentication as well as biometric
authentication when possible.
TYPES OF DIGITAL PAYMENTS:

1] USSD.
2] AEPS.
3] UPI.
4] Mobile Wallets.
5] Banks Pre-paid Cards.
6] Point of Sale.
7] Internet Banking.
8] Banking Cards

SOME OF THE IMPORTANT TERMS:

1] UPI:

Unified Payments Interface (UPI) is an instant real-time payment system developed by National
Payments Corporation of India (NPCI) facilitating inter-bank peer-to-peer (P2P) and person-to-
merchant) transactions. NPCI is umbrella organisation for all digital payments. The interface is
regulated by the Reserve Bank of India (RBI) and works by instantly transferring funds between
two bank accounts on a mobile platform. As of November 2021, there are 274 banks available on
UPI with a monthly volume of 4.18 billion transactions and a value of *7.1 trillion (US$94
billion) UPI witnessed 68 billion transactions till November 2021. The mobile-only payment
system helped transact a total of ₹34.95 lakh crore (US$460 billion) during the 67 months of
operation starting from 2016. As of May 2021, the platform has 150 million monthly active
users in India with plans to achieve 500 million by 2025. IIT Madras is also working to integrate
voice command feature that can support English and Indian vernacular language in future. The
proportion of UPI transactions in total volume of digital transactions grew from 23% in 2018-19
to 55% in 2020-21 with an average value of Rs 1849 per transactions.

2] IMPS:

IMPS full form is Immediate Payment Service. It is an instant electronic fund transfer service
that allows inter and intra-bank transfers. In simple word, IMPS helps customers transfer money
instantly from one account to another.Using IMPS, you can send money in real-time, and it will
be credited to the beneficiary's account within seconds. While there is no cap on the minimum
transfer amount, the maximum amount you can transfer per day via the Immediate Payment
Service is INR 200,000.

3] NEEFT:

National Electronic Funds Transfer (NEFT) is an electronic funds transfer system maintained by
the Reserve Bank of India (RBI). Started in November 2005, the setup was established and
maintained by Institute for Development and Research in Banking Technology. NEFT enables
bank customers in India to transfer funds between any two NEFT-enabled bank accounts on a
one-to-one basis. It is done via electronic messages. Unlike real-time gross settlement, fund
transfers through the NEFT system do not occur in real-time basis. Previously, NEFT system
settled fund transfers in hourly batches with 23 settlements occurring between 00:30 hrs. to
00:00 hrs. From 16 December 2019, there would be 48 half-hourly batches occurring between
00.30 am to 00:00 am every day regardless of a holiday.

4] RTGS:

RTGS or the full form Real Time Gross Settlement is a fund transfer method which is done on a
real-time basis and without any delays. This wire transfer method allows the money sent by the
remitter to immediately reach the beneficiary/payee as and when the request is received. The full
form of RTGS includes Gross Settlement which means transactions are carried out on an
individual basis and not in a batch-wise system.

It is one of the fastest interbank money transfer method available through banking channels in
India. RTGS transactions require the beneficiary bank to credit the recipient's account within 30
minutes of receiving the funds' transfer message.

When money is transferred using RTGS, one needs the following information:

1] The amount that needs to be transferred

2] Name of the beneficiary/payee
3] Name of the bank of the beneficiary/payee
4] IFSC code of the payee/beneficiary
5] Account number of the payee/beneficiary.
ADVANTAGES OF DIGITAL PAYMENT TRANSACTION OVER CASH

It's simply much faster. When businesses accept digital payments, customers only need to grab a
card and swipe or tap it .... Basically, one of the reasons why digital payment is better than cash is
that it frees up time and makes cash flow more seamless than ever for businesses in all industries.
Some of the advantages over Cashless are;

1] Convenience

The ease of conducting financial transactions is probably the biggest motivator to go digital. You
will no longer need to carry wads of cash, plastic cards, or even queue up for ATM withdrawals.
It's also a safer and easier spending option when you are travelling. "The benefits are enormous if
you leave out the low-income group, which will face a huge challenge," says Kartik Jhaveri,
Director, Transcend Consulting. "For the rest of the country, it is constructive and simple. It will
be especially useful in case of emergencies, say, in hospitals," he says. Adds Jayant Pai, Head,
Marketing, PPFAS Mutual Fund: "You have the freedom to transact whenever and wherever you
want. You don't have to be physically present to conduct a transaction or be forced to do so only
during office hours."

2] Discounts

The recent waiver of service tax on card transactions up to Rs 2,000 is one of the incentives
provided by the government to promote digital transactions. This has been followed by a series
of cuts and freebies. It's a good time to increase your savings if you take advantage of these. For
instance, 0.75% discount on digital purchase of fuel means that the petrol price in Delhi at Rs
63.47 per litre can be brought down to Rs 62.99/l with digital payment.

3] Tracking spends

"If all transactions are on record, it will be very easy for people to keep track of their spending. It
will also help while filing income tax returns and, in case of a scrutiny, people will find it easy to
explain their spends," says Manoj Nagpal, CEO, Outlook Asia Capital. "Besides the tax, it will
have a good impact on budgeting" says Pai.
4] Budget discipline

The written record will help you keep tabs on your spending and this will result in better
budgeting. "Various apps and tools will people analyze their spending patterns + throw up good
insights over a couple of years,” says Controlled spending could also result in higher investing. If
the same amount of cash does not flow back into circulation and people continue to use mobile
wallets and cards, it is also likely to bring down the latte factor. This means that the Rs .10 you
spent on candy or chips, or that regular cup of coffee office is likely to take a hit since you will
be short of loose change and smaller currency notes. There's a lesser chance of budgetary leaks
and unaccounted for spends sneaking into your budget at the end of the month.

5] Lower risk

If stolen, it is easy to block a credit card or mobile wallet remotely, but it's impossible to get your
cash back. "In that sense, the digital option offers limited security," says Pai. This is especially
true while travelling, especially abroad, where loss of cash can cause great inconvenience.
Besides, if the futuristic cards evolve to use biometric ID (finger prints, eye scan, etc), it can be
extremely difficult to copy, making it a very safe option.

6] Small gains

It may not seem like much of an advantage, but being cashless makes it easy to ward off
borrowers. Another plus is that you can pay the exact amount without worrying about not having
changed or getting it back from shopkeepers.
 ANDROID APPLICATION USED FOR DIGITAL PAYMENTS

A mobile wallet or e wallet app or e wallet is an app that consists of your debit and
credit card information which helps the users to pay for goods and services digitally
using their mobile devices. Popular online payment apps or payment apps or e wallet
list in India include:

1] Paytm
2] Google Pay
3] Amazon Pay
4] JIO Money
5] Freecharge
6] Yono SBI
7] Airtel Money
8] Payzapp
9] MobiKwik
10] Oxygen
11] Ola money
12] Phone Pe
13] MS wipe
14] Axis Bank Lime
15] Pay U money
16] ICICI Pockets
17] Citrus and so on

DIGITAL WALLET

E-wallet stands for electronic wallet. It is a type of electronic card which is used for
transactions made online through a computer or a smartphone. The utility of e-wallet is
same as a credit or debit card. An e-wallet needs to be linked with the individual's bank
account to make payments.

Digital wallets largely eliminate the need to carry a physical wallet by storing all of a
consumer's payment information securely and compactly. Also, digital wallets are a
Potential boon to companies that collect consumer data. The more companies know
about their customers' purchasing habits, the more effectively they can market to them.
The downside for consumers can be a loss of privacy.

Digital wallets allow many in developing nations to participate more fully in the global
financial system. Digital wallets allow participants to accept payments for services
rendered, as well as receive funds or remittances from friends and family in other
nations. Digital wallets do not require a bank account with a physical firm or branch,
often allowing those in unbanked and under banked communities, such as Black and
Latinx neighbor hoods and low-income or rural areas, to be served as well and
therefore enables a wider financial inclusion.

DIGITAL ACTIVITIES IN DAY TO DAY ACTIVITIES

1] Ensure the timely payment of fees

2] Convenient and saves time
3] Economical and saves time
4] Minimizes chances of loss or theft
5] Facilities in paperless administration and office work
6] Safe from harmful pathogens and germs
7] User friendly
8] Provides greater value for money
 Table 1: Status of digital payment adoption among Indian households

User share among households who use digital payments is in the Table 2 below. This and other
data we collected clearly shows UPI as the star of the digital payment’s product suite, with clear
user perceived advantage of instant payment, though ease of usage needs to be improved.
Table 2: Digital payment methods - User share of households

Households which are using UPI as a platform may not be completely aware about
interoperability of the platform, there is a potential to create education about
interoperability to increase adoption of UPI.

Online banking is less well developed than payments, but has potential. As of now the
usage of the mobile phone (the access gadget for internet users in India) for banking is low,
lower than the availability of the mobile banking app. There is a 36% gap between smart
phone ownership and digital payment users. Bridging the gap between apps downloads and
usage through education represents an immediate and low hanging fruit opportunity (Table
3).

Table 3: Status of online banking

With half of households in top segment making digital payments and have mobile banking app,
the user share for UPI can be increased, Quarter of households in bottom segment are drivers of
digital payments in future.
DAY – 1
DATE: 13-04-2022
TIME DURATION: 8hrs
VENUE: BILEKAL
TOTAL NO. OF PARTICIPANTS: 12
KEY NOTES OF ACTIVITY:

We started our journey by bus to the village Bilekal at 9am with our Batch mates. It was a
warm place with good bunch of people. We were instructed to cover each and every house
and shops nearby the village and make them aware about the various necessities of our
country nowadays. It includes Digital transaction like Google pay, Phone pay, Paytm,
Amazon pay etc. We had a good time with the people but on the first day we had
interactions more with educated people in the village. They almost knew about the
technologies we were about to aware them but also we completed our work successfully.
We also had good conversations and we discussed about their queries about their life in the
village. Later, we reached our college at 5pm in the evening and completed the first day
activity.
GLIMPSE DURING DIGITAL AWARENESS PROGRAMME AT BILEKAL
DAY – 2
DATE: 14-04-2022
TIME DURATION: 8hrs
VENUE: KURUVANGI
TOTAL NO. OF PARTICIPANTS: 12

KEY NOTES OF ACTIVITY:

On Day 2, we started in the same way and we continued our activity in Kurvangi near
Bilekal. Few of them in this village knew about this but they were not able to bring it to
reality then we tried to make people know how this works and showed them few trials.

People of this village supported us throughout the activity and it was a good experience
shared.
INTERACTIONS WITH VILLAGE PEOPLE ABOUT DIGITAL AWARENESS
PROGRAMME
INTERACTIONS WITH VILLAGE PEOPLE ABOUT DIGITAL
AWARENESS PROGRAMME
TEACHING THEM ABOUT DIGITAL MONEY TRANSACTIONS
DAY – 3
DATE: 15-04-2022
TIME DURATION: 8hrs
VENUE: KALYAN NAGARA
TOTAL NO. OF PARTICIPANTS: 12

KEY NOTES OF ACTIVITY:

On the final day of our digital payment activity we summarized the overall uses of this platform and
for which extent it can work, even though it’s quite complicated, people came to know the
advantages and dis advantages of these things.

From the 1st day to 3rd day it was a good and different type of experience activity which we have
gone through.

Even the people of this area supported us for this kind of activity which made them to make
transaction easily and effectively.
sSSCONCLUSION

As per the AICTE guidelines we have implemented the scheme “Facilitating 100% digitalized
Money Transaction”. Under this we strengthen the communities through addressing In future the
digital payment are goining to be a must and so change in the habit of the people to accept the
digital payment is also must.
The cashless transaction is not only safer than the cash transaction but is less time consuming. It
also helps in the record of the all the transaction done. This number is going to increase further with
a faster internet speed.
The reach of mobile network, internet and electricity is also expanding digital payments to rural and
remote areas. So, it is without doubt said that the future transaction system is cashless transaction.
Future expectation of Digital India May be well defined infrastructure, High speed internet
connection should be available for every gram panchayaths, easy access to common service centre
(csc) within their locality and safe and cyber space in the country.