@)&( >fj0f !( ut] ljxLjf/ . Pe/]i6 xf]6]n sf7df8f}F . g]kfn /fi6« a}+saf6 e'QmfgL k|0ffnL ;~rfnssf] cg'dltkq k|fKt :df6{RjfO; 6]Sgf]nf]lhh lnld6]8 -SCT_ n] ljut @) jif{ b]lv a}+s tyf lJfQLo ;+:yfx?nfO{ P6Ld sf8{ ;]jf pknAw u/fpFb} cfO/x]sf]df cab]lv ;xsf/Lx?sf] nflu ;xsf/L klxrfg ;lxtsf] sf]k -Coop_ sf8{sf] ;]jf /fli6«o ;xsf/L a}+s lnld6]8 / Unf]an cfOPdO{ a}+s lnld6]8aLrsf] ;xsfo{df /fli6«o ;xsf/L a}+s lnld6]8sf] @)cf}F :yfkgf lbj;sf] cj;/df cfof]lht ;df/f]xdf ;d'b\3f6g u/L z'ef/De ul/of] .

g]kfn /fi6« a}+ssf] gLlt tyf lgb]{zg cg'?k o; :df6{RjfO; 6]Sgf]nf]lhh lnld6]8n] ;du| e'QmfgL k|0ffnLdf / ljB'tLo sf/f]jf/df P6LPd -ATM_ sf8{, :df6{ So"cf/ -SmartQR_ / df]jfOn a}+lsª dfkm{t cfkmgf] ;]jf lbFb} cfPsf]] 5 . clxn] ;Dd a}+s tyf lJfQLo ;+:yfx?nfO{ dfq ;'lawf k'¥ofpFb} cfO/x]sf]df xfn a9\b} uPsf] ;xsf/Lsf] e'ldsf / sf/f]jf/ ;d]tnfO{ dWogh/ ub}{ ;xsf/Lx?n] klg Go"gtd nfutdf ;xh} P6LPd -ATM_  sf8{ hf/L ug{ ;Sg] k|ljlw / k|lsof ldnfO{Psf]] 5 . ljut s]lx ;do cufl8 b]lv P;;L6L -SCT_ n] !)) eGbf a9L ;xsf/Lx?nfO{ sf8{ ;]jf lbO;s]tf klg o;nfO{ cem a9L k|efjsf/L agfpg / ;xsf/Lsf ;a} ;b:onfO{ ;]jf k'¥ofpg /fli6«o ;xsf/L a}+s lnld6]8sf] ;xsfo{df a}+sdf cfa4 ;Dk"0f{ ;xsf/Lx?nfO{ Pp6} a|f08sf] sf]k -Coop_ sf8{ hf/L u/L ;+rfngdf Nofpg nfu]sf] xf]  . o;/L k|bfg ug]{ sf8{ cGt/f{li6«o :t/sf] lrk sf8{ / sG6fS6n]z k|lalwdf cfwf/Lt x'g] / g]kfn tyf ef/tsf P6LPd÷kf]; -ATM /POS_ h'g;'s} :yfgaf6 ;xh} rnfpg ;lsg] 5 . o; sf]k -Coop_ sf8{ Unf]an cfOPdO{ a}+ssf] k|fof]hgdf /fli6«o ;xsf/L a}+s dfkm{t ;xsf/Lx?n] hf/L ug]{5g .

o; ;xsfo{ kZrft ;Dk"0f{ ;xsf/Lx?n] ;lhn} /fli6«o ;xsf/L a}+s lnld6]8df ;Dks{ ul/ sf]k -Coop_ sf8{ hf/L ug{ ;Sg]5g . ;xsf/Lx?n] cfkmgf] ;b:ox?nfO{ sf]k -Coop_ sf8{sf] ljt/0f u/] kl5 ;xsf/Ldf cfa4 ;b:ox?n] cfˆgf] ;xsf/Lsf] vftfjf6 h'g;'s} a]nf hxFfjf6 klg P6LPd -ATM_  dfkm{t /sd lgsfNg ;Sg]5g eg], kf]; -POS_ sf] dfWodjf6 s'g} klg ;]jf jf j:t' vl/b ug{ ;Sg]5g . of] ;'ljwfsf sf/0f ;b:ox?sf] ;xsf/L k|lt ljZjf; a9\b} hfg], gub sf/f]af/ sd eP/ cf}krfl/s ?kdf art kl/rfng x'g] / lJfQLo ;]jf @$ 306f pknAw x'g]5 .

o; ;xsfo{n] ;du| ;xsf/L If]qsf] e'QmfgL k|0ffnLdf / ljB'tLo sf/f]jf/df kx'Fr a9b} hfg] / ;fwf/0f a}+lsª sf/f]jf/sf] nflu a}+s uO/xg' kg]{ afWotfjf6 d'lQm lbg]5 / ;xsf/Lx?sf] ljsf;df yk of]ubfg k'Ug hfg] cfzf lnO{Psf] 5 .

sf8{ z'ef/De sfo{qmdnfO{ Kf|d'v cltyLsf] ¿kdf ;Daf]wg ub}{, dfggLo e"ld Joj:yf, ;xsf/L tyf ul/jL lgjf/0f dGqL zzL >]i7n] ;fj{hlgs lghL / ;xsf/L If]qsf] ;xeflutf Pjd\ ljsf; dfkm{t pknAw ;fwg >f]tsf] clwstd kl/rfngåf/f tLa| cfly{s a[l¢ xfFl;n ub}{ lbuf] cfly{s ljsf; ub}{ zf]if0f/lxt ;dfhsf] lgdf{0f ug]{ nIo ;/sf/n] lnFb} cfPsf] atfpg'eof] .

/fli6«o ;xsf/L a}+s lnld6]8sf] tkm{af6 k|d'v sfo{sf/L clws[t >L ab|L s'df/ u'/fufO+{n] ;xsf/Ldf k|lalwsf] dxTj / pkof]lutfsf af/] k|ltj]bg k|:t't ub}{ o; ;]jf4f/f ;xsf/Lx?nfO{ lJfB'tLo sf/f]jf/sf nflu yk k|lalwo'Qm ;'ljwfx¿ lbFb} hfg] / ;xsf/Lx?nfO{ cem ;jn agfpFb} hfg] ljZjf; AoQm ug'{ eof] .

Unf]an cfOPdO{ a}+s lnld6]8sf] tkm{af6 k|d'v sfo{sf/L clws[t >L /Tg/fh ah|frfo{n] cfkmgf] dGtJodf Unf]an a}+sn] o; ;xsfo{df ;xefuL eO{ ;xsf/L If]qdf klg s]lx 6]jf k'/ofpg kfPsf]df v'lz AoQm ug'{eof] .

:df6{RjfO; 6]Sgf]nf]lhh lnld6]8sf cWoIf ;'dg kf]v/]nn] lJfB'tLo e'QmfgL k|0ffnLdf ;xsf/L If]q klg hf]l8g kfpFbf ;xsf/L If]qsf] ;du| ;]jfsf] ljljlws/0f x'g] ljZjf; JoQm ub}{  P;;L6L -SCT_ n] a}+s tyf ljQLo ;+:yf;Fu ;w}F ;xsfo{ ug{ OR5's /x]sf] wf/0ff /fVg'eof] . ;]jf If]qdf k|lalwsf] cfjZostf /xFb} cfPsf] ;Gbe{df o:tf ;]jfx¿ ylkFb} hfFbf ;+:yfx¿sf] ;]jf k|ljlwo"Qm x'g] wf/0ff ;d]t cWoIf kf]v/]nn] JoQm ug{'eof] .

cfhsf] o; ;df/f]xdf ;xefuL ;xsf/Lx? dWo] jf6 *! j6f ;xsf/Ln] o; cleofgdf ;xefuL eO{ COOP sf8{ hf/L ug{ cfk\mgf] ;+:yfsf] tk{maf6 k|lta2tf AoQm ug{'eof] . ;xefuLx? dWo]af6 uf]nf k|yf af6 ltg hgf efUozfln ;b:ox? tf/fk'~h dlN6Kf|kf]h sf]ck/]l6e lnld6]8, d'gfn ;]leË P08 qm]l86 sf]–ck/]l6e lnld6]8 / k|m]G8; ;]leË P08 qm]l86 sf]–ck/]l6e lnld6]8 nfO{ SCT n] Ps jif{sf] ;]jf z'Ns 5'6 lbPsf] kq k|d'v cltly e"ldJoj:yf, ;xsf/L tyf ul/jL lgjf/0f dGqL zzL >]i7n] x:tfGt/0f ug'{ eof]

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