ହାଇଦ୍ରାବାଦ:ବିନା ପ୍ଲାଷ୍ଟିକରେ କ୍ରେଡିଟ କାର୍ଡ । ଏହାକୁ ପ୍ରସ୍ତୁତ କରିଛନ୍ତି ହାଇଦ୍ରାବାଦର ଜଣେ ଯୁବକ । ପ୍ଲାଷ୍ଟିକ ବ୍ୟବହାର ହ୍ରାସ ଲକ୍ଷ୍ୟରେ ଏହି upi-based କ୍ରେଡିଟ କାର୍ଡ ତିଆରି ହୋଇଛି । ହାଇଦ୍ରାବାଦରେ ଆରମ୍ଭ ହୋଇଥିବା ଏହି ପଦକ୍ଷେପ ପରେ ସାରା ଦେଶରେ କାର୍ଯ୍ୟକାରୀ ହେବ ।
ବିଶାଳ ରଞ୍ଜନ । ଯିଏକି ଜଣେ ଏମବିଏ ଗ୍ରାଜ୍ୟୁଏଟ । ତାଙ୍କୁ ଏହି ପ୍ରୟାସ ପାଇଁ ନା ସାଧାରଣଲୋକ କି ବ୍ୟାଙ୍କ କର୍ତ୍ତୃପକ୍ଷ କେହି ସମର୍ଥନ କରିନଥିଲେ । ତଥାପି ବାରମ୍ବାର ପ୍ରୟାସ ପରେ ଭି-କାର୍ଡ ତିଆରି କରିବାରେ ସଫଳ ହୋଇଛନ୍ତି ସେ । ସ୍ମାର୍ଟ ଫୋନ ଜରିଆରେ ଭି-କାର୍ଡର ବ୍ୟବହାର କରାଯାଏ । ଅନ୍ୟ କ୍ରେଡିଟ କାର୍ଡ ଭଳି ଏହାକୁ ବ୍ୟବହାର କରାଯାଇପାରିବ । ତେବେ ଏହି ପ୍ରକ୍ରିୟାରେ ପ୍ଲାଷ୍ଟିକ ନିର୍ମିତ କ୍ରେଡିଟ କାର୍ଡ ବ୍ୟବହାର କରାଯାଇ ନପାରେ ।
ମାର୍କେଟକୁ ଆସିଲା ବିନା ପ୍ଲାଷ୍ଟିକର V-CARD ଭି-କାର୍ଡ ମୋବାଇଲ ଆପ୍ ଜରିଆରେ ଏହାକୁ ବ୍ୟବହାର କରାଯାଏ । ଏଥିରେ 2ଲକ୍ଷ ଟଙ୍କା ପର୍ଯ୍ୟନ୍ତ କାରବାର କରିପାରିବେ । ଟଙ୍କା ଉଠାଇବା ପାଇଁ ହେଲେ ଆପ୍ ଆକାଉଣ୍ଟରେ ଟଙ୍କା ଡିପୋଜିଟ୍ କରିବାକୁ ପଡିବ । ଅନ୍ୟକାର୍ଡ ଭଳି ଉଠାଇଥିବା ଟଙ୍କାକୁ 30 ଦିନ ଭିତରେ ପୈଠ କରିବାକୁ ପଡିବ । ଏପରକି କିସ୍ତି ବା ଇଏମଆଇ ଜରିଆରେ ଟଙ୍କା ନେଣଦେଣର ସୁବିଧା ପ୍ରଦାନ କରୁଛି ଭିକାର୍ଡ । ଆଗକୁ ଯଦି ଭି-କାର୍ଡ ଫଳପ୍ରଦ ସାବ୍ୟସ୍ତ ହୁଏ, ସରକାର ସାରା ଦେଶରେ ଏହାକୁ ଉପଯୋଗ ପାଇଁ ଚିନ୍ତା କରିପାରନ୍ତି ।
ଭି-କାର୍ଡ କିପରି ଆହୁରି ଭଲ ହୋଇରପାରିବ, ସେ ଦିଗରେ କାମ କରୁଛନ୍ତି ବିଶାଲ । ବର୍ତ୍ତମାନ 47ଟି ସହରରେ ସେବା ପ୍ରଦାନ କରୁଛି ଭି-କାର୍ଡ । ଖୁବଶୀଘ୍ର ଅନ୍ୟ ସହରରେ ଏହାକୁ ଲଞ୍ଚ କରିବାକୁ ଯୋଜନା ରଖିଛନ୍ତି ସେ ।
ବ୍ୟୁରୋ ରିପୋର୍ଟ, ଇଟିଭି ଭାରତ
Intro:Body:
Hyderabad: Despite all the struggles that he faced, this young man from Hyderabad succeeded in building a non-plastic UPI-based credit card with his hard work and determination.
The goal was to pave a way towards minimising the use of plastic, first in Hyderabad and then across India.
Vishal Ranjan did not receive any appreciation or support for his initiative from banks or people. But after consistent efforts for about two years, he succeeded in building this UPI based credit card called 'VCard'.
VCard works via smart phones and the process is similar to that involved in other credit cards, except that a plastic-made card is not used in this process.
Banks usually give credit cards to people to a minimum account balance and a certain number of transactions. But VCard allows people to use same facilities with even a small account balance.
VCard operates with the help of Unified Payment Interface run by the National Payments Corporation. The permissions for the same were taken from the Reserve Bank of India.
The card has a limit of Rs two lakhs and works via the VCard mobile application. The amount required for withdrawal is deposited into the App account for further use.
Similar to a normal card, the amount withdrawn is to be deposited within 30 days of the transfer. In fact, VCard facilitates transactions in the form of installments or EMIs too.
Vishal is an MBA graduate from Kolkata who worked hard for two long years to turn this startup into a reality. He has provided technical support to over 100 hospitals across the country and has also worked as a consultant to several companies.
As soon as he realised that India has a lower rate of plastic-based cards than other countries, the inspiration to work in this regard before the numbers go high, struck him.
If the VCard continues to prove as efficient as it does now, the government might escalate its use, thus declaring the existing modes as outdated.
Vishal has now begun to work on improvisations in VCard. He is currently providing this service to 47 cities across India and plans to launch it in more cities too.
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VO GFX
Location: Hyderabad
Telangana
VO: Despite all the struggles that he faced, this young man from Hyderabad succeeded in building a non-plastic, UPI-based credit card with his hard work and determination.
GFX: Non-plastic, UPI-based credit card
VO: The goal was to pave a way towards minimising the use of plastic, first in Hyderabad and then across India.
GFX: Minimal use of plastic
VO: Vishal Ranjan, who is an MBA graduate, did not receive any appreciation or support for his initiative from banks or people, but succeeded in building VCard with consistent efforts.
GFX: A path full of hurdles
VO: VCard works via smart phones and the process is similar to that involved in other credit cards, except that a plastic-made card is not used in this process.
GFX: VCard, a virtual credit card
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Byte: Vishal Ranjan CEO, VCard (3.33-3.44) (5.00-5.08)
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VO: It has a limit of Rs two lakhs and works via the VCard mobile application. The amount required for withdrawal is deposited into the App account for further use.
GFX: Functioning vis VCard mobile app
VO: Similar to a normal card, the amount withdrawn is to be deposited within 30 days of the transfer. In fact, VCard facilitates transactions in the form of installments or EMIs too.
GFX: Facility of EMIs
VO: If the VCard continues to prove as efficient as it does now, the government might escalate its use, thus declaring the existing modes as outdated.
GFX: Escalated use of VCard
_____________________________________
Byte: Vishal Ranjan CEO, VCard (11.05-11.34)
__________________________________________
VO: Vishal has now begun to work on improvisations in VCard. He is currently providing this service to 47 cities across India and plans to launch it in more cities too.
GFX: Improvisations for future use
Conclusion:
