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Book's First Pagebank account using e-KYC: Aadhaar has enabled this by becoming the single document which acts as KYC document for opening a bank account; (iv) e-verification of income tax return: Aadhaar has enabled income tax payer to e-verify their income tax return using Aadhaar OTP authentication, obviating the need for sending the ITR-5 in a physical form to Income Tax Authorities. e-Governance With the advent of Digital India as an apex programme various new policy initiatives have been taken up by MeitY such as e-Kranti, policy on adoption of open source software in e- governance systems, e-mail policy, policy on use of IT resources, policy on collaborative application development by opening the source code of government applications, application development and re-engineering guidelines for cloud ready applications and e-governance competency framework. Major schemes such as e-districts, common service centres and state wide area network (SWAN) have also been working in this direction. Policy on Adoption of Open Source Software: It encourages the formal adoption and use of Open Source Software (OSS) in government organisations. Accordingly government organisations, while implementing e-governance applications and systems, are to ensure compliance of this policy and decide by comparing both OSS and Closed Source Software (CSS) options with respect to capability, strategic control, scalability, security, life-time costs and support requirements. Policy on Collaborative Application Development by Opening the Source Code of Government Applications: This policy aims to increase the pace of e-governance application development and rapid roll out/implementation by adopting an open-source code, for high quality e-governance applications. It also intends to encourage innovative e-governance applications and solutions through collaborative development. Policy on use of IT Resources: This policy governs the usage of IT resources from an end user’s perspective. Its objective is to ensure proper access to and usage of government’s IT resources and prevent their misuse. e-mail Policy of Government: This policy lays down the guidelines with respect to use of e- mail services of the government and employees of those state/UT governments that use the e- mail services of GOI and also those state/ UT governments that choose to adopt this policy in future. The objective is to ensure secure access and usage of Government of India e-mail services by its users. Policy on Open Application Programming Interfaces (APIs): The Policy on Open APIs for Government’s approach on the use to Open APIs to promote software interoperability for all e- governance applications and systems and provide access to data and services for promoting participation of all stakeholders including citizens. The e-Governance Competency Framework (e-GCF): Its tool kit contains a set of end-user knowledge areas required for government employees. The objective of the framework is to strengthen the capacity building scheme to identify and define competencies, through a competency-based system which is required for different job roles under e-governance. In order to transform the quality of services and to provide integrated services the “eKranti” initiative aims to utilize emerging technologies such as cloud and mobile platform and focus on integration of services. The principle of this programme is ‘transformation’ and not translation,