having two witnesses breach of customer's privacy and banks are dedicated to privacy of customer as per law?
On 11/13/17, Kotian, H P <[email protected]> wrote: > Hi > > Actually, it is the change of technology which is the problem. In the old > days, there was branch banking and the folks knew us and our signatures. Now > a days CBS and the persons passing the cheques are disconnected with the > customers. Earlier it was the instrument where they would verify the > signature, now it is the image of the cheque. Visually it is very difficult > to distinguish the tumb impression on the monitor. > > , we can also use technology like aATM, UPI etc. > > I am not being a spokesman of the Banks, I am only voicing their concerns > which we also need to appreciate. We should come to some meeting point which > is somewhat practical and reasonable. > > Harish. > > -----Original Message----- > From: AccessIndia [mailto:[email protected]] On Behalf > Of Satguru Rathi > Sent: Monday, November 13, 2017 4:28 PM > To: [email protected] > Subject: [AI] Fwd: FW: Latest notification on additional banking services to > disabled > > Hi sir, > > > Wanted to post this on list but... Well, now I am writing on the list to > have a discussion on it. > > > Well, I am not denying the fact that one should learn to sign but can it > be forced upon someone when there is technology available to > authenticate thumb impression? Why don't the bank employ that technology > instead of forcing someone to beg people to become their witness just to > withdraw money? Think of a scenario where a person is holding an > account with a bank for 5-6 years and all these years he has been doing > the banking with ease and suddenly he is asked to produce witnesses to > withdraw his own money despite the fact that all the staff has seen him > all these years while transacting! > > > All those years I have studied Braille, now shall we argue to learn > print right from the beginning? I don't find it easy to learn sign since > I have no exposure to print, so just because I can't sign, and the bank > don't want to deploy the technology which can remove this barrier, I > shall need to beg people to become my witnesses! > > > I don't know where are we heading. > > > > With best regards, > > Satguru > ___,__.___ > "Life's battle do not always go, to the stronger or faster man. But sooner > or later the one who wins, is the one who thinks he can." > > Satguru Rathi > +91-9871489945 > [email protected] > > > > -------- Forwarded Message -------- > Subject: FW: Latest notification on additional banking services to > disabled > Date: Mon, 13 Nov 2017 07:54:48 +0000 > From: Kotian, H P <[email protected]> > To: Satguru Rathi <[email protected]>, > [email protected] <[email protected]> > > > > Hi > > I suppose, the issue is using thumb impression and not signature as this > would not apply in this case. > Witness, can be anyone and not someone you bring alone. It can also be a > staff and there is no repercussion to the witness. At any time there are > plenty of customers who can be requested for it. > > > I don't think this should be a big problem. It makes sense to learn to sign. > I would really see more an irritant than a problem really. Insistence of 2 > witness is not really unreasonable as 1 can be managed to a fraudulent > transaction compared to two. > > Harish. > > -----Original Message----- > From: Satguru Rathi [mailto:[email protected]] > Sent: Monday, November 13, 2017 12:33 PM > To: Kotian, H P <[email protected]> > Subject: Re: [AI] FW: Latest notification on additional banking services to > disabled > > Dear Harish sir and other learned members, > > > As per the point no. 2 (E), Additional Facilities to visually impaired > customers Banks are advised that the facilities provided to > sick/old/incapacitated persons vide Paragraph 9 of our Master Circular > DBR.No.Leg.BC.21/09.07.006/2015-16 dated July 1, 2015 on Customer Service in > Banks (regarding operations of accounts through identification of thumb/toe > impression/mark by two independent witnesses and authorising a person who > would withdraw the amount on behalf of such > customers) shall also be extended to the visually impaired customers. > > Now, this is leading to denial of withdrawl for many blind people who do not > have two people as witnesses. PNB, for instance, has come up with their own > circular where a visually impaired person is required to produce two > witnesses to withdraw money. A person in Haryana was actually denied from > withdrawing the money as he didn't have any witness to sign. > > > What do you suggest? > > > With best regards, > Satguru > ___,__.___ > "Life's battle do not always go, to the stronger or faster man. But sooner > or later the one who wins, is the one who thinks he can." > > Satguru Rathi > +91-9871489945 > [email protected] > > On 11/10/2017 9:31 AM, Kotian, H P wrote: >> >> All >> For information. >> Harish Kotian >> >> >> http://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOTI89F9DD47A9F3FA44 >> 0E94C254135F95E728.PDF NOTI89F9DD47A9F3FA440E94C254135F95E728.pdf >> RBI/2017-18/89 >> DBR.No.Leg.BC.96/09.07.005/2017-18 November 9, 2017 All Scheduled >> Commercial Banks (including RRBs) All Small Finance Banks and Payments >> Banks Dear Sir/ Madam Statement on Developmental and Regulatory Policies - >> October 4, 2017- Banking Facility for Senior Citizens and Differently >> abled Persons Please refer to Paragraph 8 of Statement on Developmental >> and Regulatory Policies, released by Reserve Bank of India on October 4, >> 2017 as part of Fourth Bi-monthly Monetary Policy Statement 2017-18, a >> copy of which is enclosed. It has been observed that there are occasions >> when banks discourage or turn away senior citizens and differently abled >> persons from availing banking facilities in branches. Notwithstanding the >> need to push digital transactions and use of ATMs, it is imperative to be >> sensitive to the requirements of senior citizens and differently abled >> persons. >> 2. In view of the above, banks are required to put in place appropriate >> mechanism with the following specific provisions for meeting the needs of >> such customers so that they are able to avail of the bank's services >> without difficulty. >> (a) Dedicated Counters/Preference to Senior Citizens, Differently abled >> persons Banks are advised to provide a clearly identifiable dedicated >> counter or a counter which provides priority to senior citizens and people >> who are differently abled including visually impaired persons. >> (b) Ease of submitting Life Certificate As per extant guidelines issued by >> Department of Government and Bank Accounts, in addition to the facility of >> Digital Life Certificate under "Jeevan Praman" Scheme (refer circular >> DGBA.GAD.H-2529/45.01.001/2014-15 dated December 9, 2014), pensioners can >> submit physical Life Certificate form at any branch of the pension paying >> bank. However, it is observed that often the same is not updated promptly >> by the receiving branch in the Core Banking Solution (CBS) system of the >> bank, resulting in avoidable hardship to the pensioners. It is, therefore, >> advised that banks shall ensure that when a Life Certificate is submitted >> in any branch, including a non- home branch, of the pension paying bank, >> the same is updated/ uploaded promptly in CBS by the receiving branch >> itself, to avoid any delay in credit of pension. >> (c) Cheque Book Facility >> (i) Banks shall issue cheque books to customers, whenever a request is >> received, through a requisition slip which is part of the cheque book >> issued earlier. >> >> (ii) Banks are advised to provide minimum 25 cheque leaves every year, if >> requested, in savings bank account, free of charge. >> (iii) Banks shall not insist on physical presence of any customer >> including senior citizens and differently abled persons for getting cheque >> books. >> (iv) Banks may also issue cheque books, on requisition, by any other mode >> as per bank's laid down policy. >> It is further clarified that providing such facility in BSBDA will not >> render the account to be classified as non-BSBDA (c.f. Bank's response >> to query number 14 and 24 of our circular " DBOD.No. Leg. >> BC.52/09.07.005/2013-14 dated September >> >> 11, 2013 >> on Financial Inclusion - Access to Banking Services - BSBDA - FAQs"). >> (d) Automatic conversion of status of accounts Presently, in some banks, >> even fully KYC - compliant accounts are not automatically converted into >> 'Senior Citizen Accounts' on the basis of date of birth maintained in the >> bank's records. Banks are advised that a fully KYC compliant account >> should automatically be converted into a 'Senior Citizen Account' >> based on the date of birth available in bank's records. >> (e) Additional Facilities to visually impaired customers Banks are >> advised that the facilities provided to sick/old/incapacitated persons >> vide Paragraph 9 of our Master Circular >> DBR.No.Leg.BC.21/09.07.006/2015-16 dated July 1, 2015 on Customer >> Service in Banks (regarding operations of accounts through >> identification of thumb/toe impression/mark by two independent >> witnesses and authorising a person who would withdraw the amount on >> behalf of such >> customers) shall also be extended to the visually impaired customers. >> (f) Ease of filing Form 15G/H >> Banks are advised to provide senior citizens and differently abled persons >> Form 15G/H once in a year (preferably in April) to enable them to submit >> the same, where applicable, within the stipulated time. >> (g) Door Step Banking >> We have issued instructions on Doorstep Banking vide circular >> >> DBOD.No.BL.BC.59/22.01.010/2006-2007 dated February 21, 2007 under >> Section >> 23 of Banking Regulation Act, 1949. However, in view of the difficulties >> faced by senior citizens of more than 70 years of age and differently >> abled or infirm persons (having medically certified chronic illness or >> disability) including those who are visually impaired, banks are advised >> to make concerted effort to provide basic banking facilities, such as pick >> up of cash and instruments against receipt, delivery of cash against >> withdrawal from account, delivery of demand drafts, submission of Know >> Your Customer (KYC) documents and Life certificate at the premises/ >> residence of such customers. >> 3. Banks are advised to implement these instructions by December 31, 2017 >> in letter and spirit and give due publicity in their bank branches and >> website. >> >> Yours faithfully >> (Saurav Sinha) >> Chief General Manager >> Statement on Developmental and Regulatory Policies, Reserve Bank of India >> issued by the Governor on October 4, 2017 8. Banking Facility for Senior >> Citizens and Differently abled Persons It has been reported that banks are >> discouraging or turning away senior citizens and differently abled persons >> from availing banking facilities in branches. >> Notwithstanding the need to push digital transactions and use of ATMs, it >> is imperative to be sensitive to the requirements of senior citizens and >> differently abled persons. It has been decided to instruct banks to put in >> place explicit mechanisms for meeting the needs of such persons so that >> they do not feel marginalised. Ombudsmen will also be advised to pay heed >> to complaints in this context. Necessary instructions in this regard will >> be issued by end-October 2017. >> ________________________________ >> >> Caution: The Reserve Bank of India never sends mails, SMSs or makes calls >> asking for personal information such as your bank account details, >> passwords, etc. It never keeps or offers funds to anyone. 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