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BHIM app: All about going Cashless

The BHIM app was developed by NPCI on 30th December 2016 and later launched by PM Narendra Modi.

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BHIM app works across all bank accounts. Wikimedia commons
BHIM app works across all bank accounts. Wikimedia commons

The act of demonetization by the government last year had simply made us stand on our heels. People were fighting their way out in the absence of hard cash and thus made us oblige to the digital platform.

BHIM app is one of the various digital money transfer app (application) which uses UPI (Unified Payments Interface). The app was developed by NPCI on 30th December 2016 and later launched by PM Narendra Modi. It aims towards bringing Financial inclusion and making us a digitally empowered society.

BHIM app is backed by the Government of India making it a more reliable cashless payment option (unlike PayTM). Pixabay
BHIM app is backed by the Government of India making it a more reliable cashless payment option (unlike PayTM). Pixabay

Here, we will help you to walk through the procedure involved in the better use of BHIM app.

How to download BHIM app

  • You can download and install BHIM from Google play store for Android and Apple store for IOS.
  • Select whichever language you prefer.
  • Select the mobile number which is registered with your bank.
  • Set a 4 digit password to log in.
  • Link a bank account.
  • Now, you need to set a UPI pin by providing the expiry date and last six digits of your debit card.
  • Your account is now registered and you are ready to go cashless.How to use BHIM without internet
  • You can dial *99# from your phone and you will be able to avail the same features of BHIM on your mobile.
  • *99# can also be used to register for BHIM.
BHIM app has three level authentication including device ID or mobile number, bank account and UPI pin, which makes it the most secure option. Pixabay
BHIM app has three level authentication including device ID or mobile number, bank account and UPI pin, which makes it the most secure option. Pixabay

Features of BHIM app

Send Money
With this feature, you can send money by scanning a QR code, combination of Account Number and IFSC by using Virtual Payment Address (VPA).

Request Money
This feature allows you to send a collect request by entering VPA. Also, through BHIM, you can transfer money using a Mobile that is registered with BHIM or *99#.

Scan and Pay
This feature allows you to pay by scanning the QR code.

Transactions
This one will show your transaction history. It shows pending UPI collection request, so you can approve or reject payments. Also, there is an option to report if a user wants to raise any complaint.

Profile
This option will help you to view the static QR code and Payment addresses that are created. The QR can be downloaded and also be shared through WhatsApp or Email.

Bank Account
This feature enables you to check the bank account (which is linked to BHIM). You can set or change your UPI pin or the bank account linked with BHIM App by clicking on ‘Change Account’. You can also check your account balance using this feature.

BHIM is not a wallet. It is a payments application which allows users to make instant bank transfers. Pixabay

Why should you use the BHIM app?

  • It works across all bank accounts.
  • You can access it without internet.
  • BHIM is backed by the Government of India making it a more reliable cashless payment option (unlike PayTM).
  • It has three level authentication including device ID or mobile number, bank account and UPI pin, which makes it the most secure option.
  • All in all, BHIM has turned out to be the safest and most reliable cashless payment option against competitors like Paytm.

Next Story

Researchers Create an App That can Predict Hernia Risk After Abdominal Surgery

The analysis also identified risk factors that made a patient more likely to develop an incisional hernia

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Abdominal fat drives cancer in postmenopausal women
Abdominal fat drives cancer in postmenopausal women. Pixabay

Researchers have created an app that may predict the likelihood of developing an incisional hernia following an abdominal surgery, using Big Data analytics to potentially help address a problem effects one out of every eight of these surgical patients.

The team developed the app utilising electronic health records (EHR) to identify the most common risk factors for patients, as well as which surgeries most commonly result in incisional hernias across multiple specialties.

“Our tool presents the risk for each case at the point of care, giving surgeons and patients the chance to consider this outcome ahead of time and incorporate data into the decision-making process,” said co-author John P. Fischer from the University of Pennsylvania.

Incisional hernias occur after abdominal surgery at the site of the surgical wound when the contents of the abdomen can push through the muscle.

For the study, presented at the 139th American Surgical Association Annual Meeting in Dallas, Texas, the team analysed the EHRs of 29,739 patients undergoing intra-abdominal, urologic, or gynecological surgery at Penn between January 2005 and June 2016.

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They found more than 1,100 of these patients (3.8 per cent) ended up requiring a second surgery following the primary operation to repair the incisional hernias.

Colorectal surgeries were the most common specialty associated with incision hernias (7.7 per cent of cases), followed by vascular (5.2 per cent), bariatric (4.8 per cent), and transplant (4.5 per cent).

The analysis also identified risk factors that made a patient more likely to develop an incisional hernia.

The most common was a history of abdominal surgery, which increased the likelihood in 87.5 per cent of cases. That was followed by a history of smoking and a recent infection (75 per cent for both). Obesity was also a significant risk, though it was weighted less than other factors. (IANS)