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Ref id 422329
Please review
Vishal
You have attempted well but I think you have mixed up the demands of the questions. Question is not exclusively about JAM trinity, it is more broadly asking about digital payments first.
So start with that, give some data regarding digital payments in intro e.g. the 1st point you have written in body. Then explain a bit about why have they been so successful – mention things fintech innovations like UPI, ease they have provided, also pandemic etc.
Then you can move to JAM, also you have to use some more data to show how it has been successful in promoting financial inclusion (no of bank accounts, women beneficiaries, amount transferred under DBT, PMGKY etc – you can use these points from the article) and finally end with a conclusion.
So, I think this answer could be structured better especially the digital payments part.
Keep writing.
pay_HH1EGxOD3EGEhl
once again sorry @swatantra sir the scanned copy was invisible so had 2 post once again i wont repeat this mistake again
pls review @swatantra sir the above scanned copies are not visible so sorry
Subhashree
You have written well, but I think in the 1st part you should focus a bit more about digital payment as a whole. JAM trinity is one of its parts, mention 1-2 points about why overall digital payments is booming.
In JAM also use some more data to substantiate your points, points are good but success can be shown through results only. No of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc â you can use these points from the article tagged above.
Keep writing. Read the question carefully and try to address all parts.
#0000416382
Sakshi
You have understood the question well and your structure of answer is very good. Points are also good, what is majorly missing is data points. This question is essentially about success of digi payments as well as JAM and best way to prove result is through data.
Go through the article once, you will get many points. Keep them with you, immensely valuable for value addition in such questions, sorts out introduction also.
Rest of the answer is good, in conclusion you can try to link it with things like SDGs.
Keep writing.
Please review
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Please review
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Utkarsha
Very good answer, you have covered most points.
Financial innovation like UPI, wallets, digital banking & insurance etc is one of the major reasons for boom in digital payments, so you can write it as a separate point under factors.
Also mention some data about DBT, will help to substantiate your point.
All in all very good answer for 10 marks. Keep writing.
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Gauri Shankar
You have written a very generic answer, some changes you can make-
In first part substantiate the statement given in the question. So, after giving data you can write some points about how has digital payment boomed (due to financial services, access, govt policies, innovations like UPI, wallet etc)
In the 2nd part mention some data showing how JAM is successful, then you can write its advantages as you have written , go through the article tagged above- you will get some very good points(no of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc ).
Read some other answers also. Keep writing.
Refid# 422544
Anupam
You have tried well, but I think you missed out on some core demands of the question. First of all, paradigm shift means a fundamental shift (in this case from cash to digital payment), so you have to write how this change happened – mention things like UPI, wallet, govt schemes for internet connectivity, pandemic etc here.
Next, you have just defined JAM in detail, question is about how JAM helped, again you have to give some data about its success(how many people opened JAM account, how much was transferred, in pandemic how has this helped etc). Only defining won’t fetch you marks.
Conclusion is okay but you can link it with SDGs and end on a more positive note as this question is more about success of digital payments, JAM trinity etc
Keep writing. We’ll improve together.
REF ID: #0000422921
Naresh
You have interchangeably used JAM and digital payment, however that is not the case. JAM can be considered one of the components of digital payments. Suppose you are using Google pay to do a digital payment, but you don’t have a jan dhan account but a salary account- so your transaction will be counted in digital payment but not in JAM.
So, first write about digital payment and why it is booming (mention things like UPI, wallet, govt schemes for internet connectivity, pandemic etc), then come to JAM.
Also give some data regarding JAM(no. of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc )
I think you have the content but you made a hodge-podge of everything while writing, try to structure it better, take help from mentor’s comments if need be. Keep writing.
Payment Id : 115213946268
Vivek
Try to upload a scanned copy or zoom the image before clicking otherwise it is difficult to read.
You have very quickly jumped upon JAM, the statement in the question more broadly covers digital payments, JAM is just one of the components of digital payments.
So, first you can write 3-4 lines about why this paradigm shift from cash economy to digital payments( mention things like UPI, wallet, govt schemes for internet connectivity, pandemic etc )
In the part about JAM your points are good but the question asks how has it impacted financial inclusion and one of the best ways is to give some conclusive data which shows the same.
No of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc â you can use these points from the article tagged above.
You have tried well, but try to identify the key 2-3 demands of the question and address them, read the question carefully.
Keep writing. đ
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Rahul
You have understood the question well, your structure is also good. First part you have addressed suitably.
In the 2nd part mention some data showing how JAM is successful, then you can write its advantages as you have written , go through the article tagged above- you will get some very good points(no of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc ).
Data is the most conclusive way to prove the role of JAM in financial conclusion, so your answer should have some.
However, your attempt is very good. Keep writing.
Idpay_HJ2s89guguFYwg
Harshaa
You have started well but very quickly you jumped upon JAM, the statement in the question more broadly covers digital payments, JAM is just one of the components of digital payments.
So, first you can write 3-4 lines about why this paradigm shift from cash economy to digital payments( mention things like UPI, wallet, govt schemes for internet connectivity, pandemic etc )
In the part about JAM your points are good but the question asks how has it impacted financial inclusion and one of the best ways is to give some conclusive data which shows the same.
So, some data points no. of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc will add immense value to the answer. You will get these in the article tagged above in detail. Please make use of it.
Keep writing, I see that you have started using paragraphs at least. đ
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Ankita
You need to structure the answer better.
Go according to the question, it is better, start with data regarding digital payments in intro e.g. the points you have written in body. Then explain a bit about why have they been so successful â mention things fin-tech innovations like UPI, ease they have provided, also pandemic etc.
Then you can move to JAM, also you have to use some more data to show how it has been successful in promoting financial inclusion (no of bank accounts, women beneficiaries, amount transferred under DBT, PMGKY etc â you can use these points from the article) and finally end with a conclusion.
The question is not asking what is JAM but it is asking how has JAM helped, you have to answer accordingly.
Read some of the other answers. Keep writing.:)
pay_HH4AoVE2qPd386 p.s review
Shivanshu,
You have understood the demand of the question and your structure of the answer is good.
In first part you can give examples of things like UPI, wallet, internet connectivity scheme etc to show how has these things boosted digital payments.
Second part is good, you have addressed most of the points.
However, write a conclusion, the leakage point is more of an advantage of JAM only, you can link financial inclusion with SDGs for a good conclusion.
Keep writing. đ
Review
Ref no 0000420120
Rajlaxmi,
Good attempt, especially the JAM part and the conclusion is very good.
However, you can write some points about why digital payments boomed in the starting before going to JAM. That will substantiate the statement given in the question.
Mention things like UPI, wallet, govt schemes for internet connectivity, pandemic etc as reasons for increasing digital payments.
Read some of the other answers. Keep writing. đ
REF ID: #0000425733
Please review
Dr House
Your answer is very good, you can quote some data in the first part show how digital payments have boomed, it will substantiate your arguments. Points are good.
In the 2nd part, very briefly mention what JAM trinity is before listing out advantages etc, you can use some more data here also, question is about success of JAM, so data will prove it.
Rest of the points are good, keep writing đ
pay_HHogiMPYpQ87sC
Kartikey
JAM is one part of digital payments, before jumping to JAM in the first part mention in 2-3 lines about why digital payments have broadly boomed.
You can give reasons like- fin-tech innovations like UPI, ease they have provided, internet connectivity, government intervention, pandemic etc.
Second part is well written, write about DBT, it is one of the major area where JAM has helped, you can also quote some data to substantiate your argument.
Conclusion is good. Keep practicing. đ
#0000422551
Please review @Swatantra sir
Vamsidhar
You have made a good attempt. Digital payment has been booming not just because of JAM, so you can write 2-3 points about that before picking up JAM. Mention things like fin-tech innovations like UPI, wallet, internet connectivity, government efforts, pandemic etc
Second part is good, you can mention some more data from the article to conclusively prove your points, also include a dimension about how it has helped women- SHGs, directt transfers etc
Points are good overall.
Read some other answers. Keep practicing. đ
#0000422288
Kindly review.
Sonal
Very well-written answer, you can cut down on explanation a bit in the first part and add some more dimensions in JAM. Such as how it has helped women through DBT and SHG linkages with bank account etc, you can use some more data especially about no. of accounts opened etc to substantiate your arguments.
Points are good, not much scope of improvement on that part.
Keep practicing. đ
Please review Q3
ID num- 0000423898
M G
You have made good attempt, but I think in the 1st part you should focus a bit more about digital payment as a whole. JAM trinity is one of its parts, mention 1-2 points about why overall digital payments is booming.
In JAM also use some more data to substantiate your points, points are good but success can be shown through results only. No of bank accounts opened , women beneficiaries, amount transferred under DBT, PMGKY etc â you can use these points from the article tagged above.
In conclusion, you can link these interventions with SDGs.
Points you have written about JAM are good. Keep writing. đ
Payment Id
pay HFrdyJMOEZ9967
Please review, Sir.
Sumita
Very well-written answer, just use some data points from the article given above to substantiate your arguments.
How many accounts opened, how much transferred, no. of women beneficiaries– these all data you will get, use them to indicate practically what all changes JAM has brought. Also, you can include a separate point about how it has helped women to give more diversity to the answer.
Points are good, structure of the answer is also good. Keep writing. đ
Order number #0000420396
@swatantra
Rohan
Before going to JAM, explain briefly about why digital payments have boomed. That will substantiate the statement in the question. Give examples of fin-tech innovations like UPI,wallet, government efforts,internet connectivity, pandemic etc
In JAM first briefly mention what is it, you can do that by drawing a very simple diagram. Also use some data from the article to show its success (no. of accounts opened, money transferred etc )
Points are good but everyone is writing the same points, so you have to add some differentiators. You can mention a point about it has helped women through DBT, SHG-bank account linkage etc
Read some other answers also. Keep writing.
Order id: 0000422561
Vishnu
First part of the answer is very good but you have almost skipped the 2nd part. Write specifically about success of JAM, just defining it won’t do. You can define by making a simple diagram showing connection of J, A and M.
How many accounts opened, how much transferred, no. of women beneficiariesâ these all data you will get, use them to indicate practically what all changes JAM has brought. Go through the above article if not done.
Then you can mention some of its benefits for farmers, women, stopping corruption and leakages etc. Also you can mention DBT here instead of the earlier point.
Nice attempt but pay equal attention to all parts of the question. Keep writing. đ
3.5/10
ref id- #0000422539
Mradul
Well written answer. Not much scope of improvement in this. Mention a point about women- role of JAM in women empowerment.
Also you can make a simple line diagram explaining what JAM is.
Nice attempt. Keep writing. đ
#416440
Tanushree
Your points are all good, do some value-addition.
Add some data to show the success of JAM, data is the best way of proving results. How many accounts opened, how much transferred, no. of women beneficiariesâ these all data you will get, use them to indicate practically what all changes JAM has brought.
Also give examples of schemes such as PM Garib Kalyan package, PM KISAN etc to explain how DBT works.
Also you can mention a point about how it has empowered women by transferring monry directly into their accounts.
Nice attempt, keep writing. đ
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