Daily Banking Issues

In an ongoing series on rural finance in partnership with Firstpost, Khabar Lahariya deep dives into its various facets, exploring the nature and details of daily transactional activities in Bundelkhand.

Part Four presents a day in the life of a gaon wala who misses a day’s worth of wages to run a few bank errands, only to be greeted with myriad tech failures.  



Video Report



By connecting rural areas with high-speed internet services, the Digital India campaign aims to strengthen ‘e-governance’ through increased access to government services. In effect, Digital India wishes to provide a technological panacea to the problems plaguing the country – linking technological wherewithal to the exercise of democratic rights, and subsequently, the strength of a democracy.

However, this exercise in democracy has fallen woefully short in Kulpahad city, in Mahoba, Uttar Pradesh. In the past week, the refrain of “network down” has left at least 500 patrons of the Mahoba branch of Allahabad Bank stranded without access to their accounts. All transactions at the branch have been stalled due to a network failure – a recurring phenomenon in this part of the country, if our reports and the frequency of such stories are anything to go by. This particular branch of Allahabad Bank holds approximately 14,000 accounts, with most of their patrons having agricultural backgrounds. Access to wages, pensions, subsidies, and all other transactions have been hampered, leaving in its wake a disgruntled population.

Sitaram, a citizen of Mahoba says, “The notice that’s put up says, “Network fail”/No network. I need to get my pension. What is the public to do?”

Hundreds of people like Sitaram wait outside their banks all day, every day, often without food or water, to complete basic but indispensable bank transactions. Sitaram’s central problem is one that echoes throughout, “Now we’re having trouble withdrawing money. Say we need it for our house and sundry stuff, rookha sukha ke liye. We’re working, and we need and demand our wages. But they have to make it hard for us as always.”

Ahmed Khan seems resigned when he states, “This is my fourth day. The bank people said, there is a network failure – “network fail”. Now what can I say, they said it wasnt working, so I left.

Similarly, Babulal complains, “I have been here since 10am – that’s when the bank opens–they kept delaying transactions, and then at some point they put up a notice saying that there is no network.”

Digital Infrastructure, Digital Service Delivery, and Digital Literacy are the cornerstones of the campaign. However, the situation in Mahoba indicates that the best laid plans are often foiled by on-ground realities. Although increasing access to cell-phones and mobile networking services form the main thrust of Digital India, access to online banking and government services are also crucial to the government’s vision of a ‘digitally empowered’, engaged civic population. However, what must one do when the services to be availed are themselves reliant on shaky and inefficient infrastructure?

When our reporter Shyamkali spoke to the bank manager Mr. Rahul, she was told that the BSNL network lines between Banda and Mahoba have been cut, because of which the branch has been inconvenienced; as soon as the lines are fixed, business should resume as usual. While denouncing a campaign based on day-to-day inefficiencies may be reductive, it is crucial to note that these on-ground glitches may be symptomatic of a larger condition where ambitions are not tempered by pragmatism. As Devkaran succinctly puts it, “We are sitting here uselessly, waiting for pensions and salaries. We could have stayed home and got some work done instead.”

Arguably, there is a need for a digitally aware and perhaps even empowered India. However, the campaign’s ambitions must be in step with the structural, institutional, and even technical capabilities on the ground. Only 1.2% of the population currently has broadband access. While Digital India aims to make online transactions easier, it must first aim to make them possible. If a series of cut wires can so easily debilitate a city and the rural stakeholders of a bank, perhaps Digital India needs to re-evaluate its strategies.


This article first appeared on Firstpost.

Read Parts One, Two, Three & Five of this series.