The Answer to What Rural India Needs to be Digital

Ponnappa is a small farmer from a remote village of Kodlagadde, where cash is highly dominant. The payment through the complex, invisible and loss of control of the transaction is scrutinized. Hence All payments are made through the physical cash that provides him the certain control over the transaction even to make any bill payment. 

According to the Saubhagya Yojna, an initiative from the Government committed to provide continuous electricity supply to all households in the remote villages was implemented. Ponnapas’ village rejoiced over the news, now young children will have lights to study and the lives of the villagers would improve. But the happiness was shortlived as Easy Electricity bill payment was a far-fetched dream. As all the bill collection units were at large distances crippling people of the Electricity opportunity. Due to meager wages, bad roads, no ATMs, the villagers were left with no choice but to accept the darkness. All the government initiatives seemed futile.

All is not the same as the urban population. Shivraj, an Engineer from the metropolitan city of Mumbai, makes his big tv recharge online immediately from one of the best applications. He finds it highly efficient, secure, time-saving. The transparent pricing and instant confirmation of the payment make it trustable. Hence the bill payment isn’t much of a chore in the urban geographies. 

The rural and urban sector and world’s apart and necessary technological innovations are necessary to bridge the huge socio-economic gap between the rural and urban India. hence to keep up with the rapidly evolving technological pastures of the bill payment sector. A new start-up has taken innovated an infrastructure that could aid in PAN India digitization while making Gas Bill payment.

The attempt in realizing the Digital India vision needs the bridging of economic, infrastructural and digital gap between tech-savvy urban and cash dependant rural India. Although the present technologies are gaining more traction by providing BSNL postpaid bill payment through mobile applications and websites. The rural people are unable to get access to the extensive biller list related to the RBI approved categories of the multi-utilities or amenities like electricity, water, gas(piped or LPG), Telecom( Mobile, landline, Broadband) and DTH is obtained on all the online bill payment platforms. 

XIPHIAS XPay Life Pvt Ltd is a start-up based in Bangalore providing digital payment solutions through divergent payment channels including Mobile Apps, website, ATP kiosk, POS machines, and Mobile Vans. All the payments through the XPay Life are BBPS/NPCI assured and hence highly trustworthy and credible. This company is expanding the bill payment sector to assist in offline and online Broadband bill payment.

Mobile Vans which is first of it’s kind in the Indian economy that is revolutionizing the bill payment sector by bridging the gap between the rural and urban areas. It is equipped with the bill payment kiosk that accepts cash as a bill payment mode for multi-utility payment and makes the process digital . It also consists of the mini-ATMs that aids in the cash withdrawal within a specified certain limit of Rs 2000. XPay Life is bringing the facility of ATMs to the remote rural. It also works for a social cause by providing free condoms and sanitary pads through the vending machine stationed at the back of the mobile van thus encouraging people to make the transaction through the van and make it digital. There is also provision for LED Tv that displays the latest government schemes to empower rural India digitally. Pay through XPay Life and make life simpler.

Online Bill Payment through XPay Life. You can make faster, easier and secure payment for all multi-utility bills such as Electricity, Gas, Water, Postpaid Mobile bill, Landline, Broadband, DTH Recharge become easier with XPay Life.