In the context of direct benefit transfers (DBT), the JAM is the abbre

In the context of direct benefit transfers (DBT), the JAM is the abbreviation for

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UPSC SO-Steno – 2017

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In the context of Direct Benefit Transfer (DBT), JAM stands for the trinity of Pradhan Mantri Jan Dhan Yojana (PMJDY), Aadhaar, and Mobile technology. This trinity is envisioned as an enabler for transferring benefits directly to the bank accounts of beneficiaries, reducing leakages and increasing efficiency.

JAM is an acronym representing the integration of financial inclusion (Jan Dhan), biometric identification (Aadhaar), and digital connectivity (Mobile) to facilitate efficient and transparent direct benefit transfers.

PMJDY ensures access to banking, Aadhaar provides a unique identity for de-duplication and authentication, and mobile technology enables transactions, notifications, and access to services, thus forming the backbone for the DBT ecosystem in India.

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