IT Business in Nepal

Mag-Stripe Vs EMV Chip Card

2017-06-26T14:11:00.000+05:45

Magnetic Stripe Card	EMV Chip Card
1. Data in Magnetic Stripe Card are not in Encrypted format.	1. Cards cannot be cloned as it uses Encrypted technology. Two totally independent encrypted value fields, Triple DES encryption.
2. If scratched or bent it can easily damaged. (Additional replacement cost)	2. High durable than Magnetic Stripe Card.Two totally independent encrypted value fields, Triple DES encryption.
3. Easily affected by Magnetic field. Even by magnet of motor, speaker, or other magnetic cards in same wallet.	3. Triple DES encryption. Not affected by magnetic fields.
4. No such option available.	4. Oncard security traps & Card is password protected.
5. Each reader installation requires at least one dedicated leased data line to off premises server or dial-up connection to validate. (extra cost)	5. Data is stored on card, no need to connect to transaction processor for “transaction approval”.
6. Each card needs to be validated on the host. Requires at least a minimum of 1 modem per location, (10 to 30 seconds + the cost of the call).	6. Data is stored on card, no need to connect to transaction processor for “transaction approval”. (< 5 seconds)
7. Each time card is used, extra cost per transaction.	7. Data is stored on card, no need to connect to processor for “transaction approval”.
8. Upgrading cost for old ATM and POS machine is higher in which has only Magnetic Stripe reader.	8. Dual function smart card and magnetic-stripe readers are cheaper.
9. Lower physical card cost.	9. Higher physical card cost.

EMV Terminal
• The issuing bank defines the processing rules via parameters on the chip
• The chip on the card processes transactions information and determines how to apply the rules for processing
• The terminal helps enforce the rules on the chip
• If terminal is unable to provide the services requested by the chip, the issuer may set rules that will result in the chip declining the transaction.

EMV Transaction Flow
1. Card is inserted into EMV Terminal
2. First Half of EMV Transaction Protocol
a. Application Selection
b. Read Application Data
c. Offline Data Authentication
d. Processing Restrictions
e. Cardholder Verification
f. Terminal Risk Management
g. Terminal Action Analysis
h. Card Action Analysis
3. Online Authorization Request from Card to Terminal
4. Authorization Request from Terminal to Vantiv
5. Authorization Request from Vantiv to Issuer
6. Authorization Response from Issuer to Vantiv
7. Authorization Response from Vantiv to Terminal
8. Completion and script processing. If Issuer approved but card denied transaction a reversal is produced
9. Card is removed from EMV Terminal

EMV Introduces New Security Functions:
Card Authentication Security, Cardholder Verification options, Authorization options , Contact/Contactless & Mobile Technology

EMV Card Authentication:
A) Online Card Authentication:
• Card: Generates an EMV Dynamic Cryptogram
• Issuer Host: Host Validates the EMV Dynamic Cryptogram

B) Offline Card Authentication (optional)
• Card provides the terminal a dynamic security certificate
• Terminal validates the dynamic security certificate
• Online Authorization

Cardholder Verification (CVM) :
• More than one CVM is supported on a card
• Issuers choose what CVMs to support
• Issuer chooses the priority order of the CVMs

EMV CVM List
• Signature
• Online PIN
• Offline PIN
• No CVM

Online vs. Offline PIN
EMV Online PIN
• Works the same as mag stripe host based PIN
• All EMV cards use online PIN for ATM
• No system changes required
• The U.S. is an online market

EMV Offline PIN
• Most Offline PIN transactions go online for authorization
• Changes required:
a. PIN selection/activation process
b. Customer PIN Communications
c. Offline PIN change process
d. Synchronization with the online PIN
e. Add ability to send PIN and PIN counter updates to the card

EMV Authorization/Approval
(1) Online Authorization
Works much like a magnetic stripe card transaction
• New EMV data is sent to the host
• Dynamic authentication technology is used
• New risk assessment rules are followed

(2) Offline Authorization (Optional)
The card authorizes the transaction
• No communication with a host system for authorization
• Card contains offline authorization criteria and counters

EMV requires certification and validation
A) Terminal
• EMVCo terminal type approval – hardware and logic testing
• Payment network brand testing for each brand supported
B) Acquirer
• Processor Network Host Certification
• Host certification already completed by EMV Service Provider
C) Chip
• EMV Chip application certification (Before they can be sold)
• Card Personalization validation (For each product issued)

Magnetic Stripe Terminal :
• Card is simply a static storage device that is read by the terminal
• The terminal performs card swipe, PIN encryption and signature capture (integrated environments) functions

Terminal Mag Stripe Transaction Flow
1. Card is swiped through Terminal
2. Authorization Request from Terminal to Acquirer
3. Authorization Request from Acquirer to Issuer
4. Authorization Response from Issuer to Acquirer
5. Authorization Response from Acquirer to Terminal

Some Information Regarding ATM/POS and Online Transaction

2016-06-07T12:57:00.002+05:45

Some Information Regarding ATM/POS and Online Transaction

(एटीएम , पोस र अनलाइन कारोबार सन्दर्भमा केही सूचना) :

आजको आधुनिक प्रबिधिको युगमा हामी मध्य धेरै जनाले डेबिट वा क्रेडिट कार्डको प्रोयोग बिभिन्न प्रायोजनका निम्ती गरिरहेका हुन्छौ ।

यसरी प्रयोग गर्दा कहिले कसो केहि प्रयोग कर्ताले समस्या भोगेको पनि हुनु होला,

एटिएम मसिनमा प्रयोग गर्दा आउन सक्ने संभावित समस्या :

पैसा निस्केन खातबाट रकम घटेन भने कुनै समस्या हुँदैन तर
पैसा निस्केन खाताबाट रकम घट्यो,
वा भने जती पैसा निस्केन थोरै मात्र निस्कियो,
वा पैसा निस्कियो तर फेरी एटिएम मसिन मै अड्कियो अनि मसिन भित्रै छिर्यो

यस्तो अवस्थामा के गर्ने त?

समस्या आएमा सर्वप्रथम आफ्नो मौजात रुजु गर्ने , यदी नघट्नु पर्नेमा पनि घटेको रहेछ भने निम्न जानकारी सहित आफुले डेबिट/क्रेडिट कार्ड लिएको बैंक मा तोकिएको समय भित्र सम्पर्क गर्ने

कार्ड नम्बर , कारोबार मिती र समय, झिक्न खोजेको रकम , प्रयोग गरेको एटिएम मसिन र त्यसको ठेगना , यदी रिसिप्ट प्राप्त भए सो समेत

पोस मसिन वा अनलाईनबाट प्रयोग गर्दा आउन सक्ने संभावित समस्या :

खाता बाट रकम घट्यो तर भनेको समान तोकेको समय प्राप्त नहुनु
वा कहिले प्राप्त नहुनु ,
वा एउटा समान भनेको अर्कै समान प्राप्त हुनु
वा भनेको भन्दा कम क्वालिटिको समान वा बिग्रेको वा कम परिमाण मा प्राप्त हुनु

यस्तो अवस्थामा के गर्ने त ?

कार्ड नम्बर , कारोबार मिती र समय, तिरेको रकम ,खरिद गर्न खोजेको बस्तु वा सेवा,परेको समस्या,अनलाईन बिक्रेताको नाम (ठेगाना) , यदी अनलाईन रिसिप्ट प्राप्त भए सो समेत,

ध्यान दिनु पर्ने कुराहरु :

समस्या लाई तोकिएको समय भित्र सम्पर्क गर्नु पर्छ नत्र कानुनी रुपमा मान्यता प्राप्त नगर्न सक्छ,
समस्या को बारेमा आवश्यक जानकारी बैंकलाई अनिवार्य उपलब्ध गराउनु पर्छ नत्र त्यो कारोबारको बारेमा समाधान का निम्ती चाहिने जानकारी प्राप्त गर्न अप्ठ्यारो पर्न सक्छ र प्रकृया लम्बिन सक्छ,
बिश्वासिलो बिक्रेताबाट मात्र कारोबार गर्ने बानी बसाल्दा धेरै उचित हुनेछ,
आफ्नो बैंक खाता, कार्ड र पिन कोड को जानकारी अरुलाई वा असम्बन्धित व्यक्ती वा संस्थालाई दिनु हुँदैन
आफ्नो कार्ड हराएमा बैंक लाई तुरुन्त जानकारी गराएमा बन्द गर्न भन्नु पर्छ ।
पिन कोड कसैले थाहा पाएको लागेमा तुरुन्तै परिवर्तन गरिहाल्नु पर्छ, र बेला बेलामा आफुलाई कंठा हुने गरी पिन कोड परिवर्तन गर्नु बेश हुन्छ
आफुले प्रयोग गर्ने सुबिधाको बारेमा सक्दो प्रकृया र जानकारी प्राप्त गरी सोही अनुरुप कार्य गर्नु पर्छ
आधुनिक पेमेन्ट प्रबिधिलाई सोक वा देखावटी होईन आवश्यकता पुर्ती गर्ने साधन बनाउनुहोस्
अनावश्यक सेवा वा सुबिधा नलिनुहोस् वा प्रयोग नगर्नु होस्
कुनै समस्या आएमा सम्बन्धित ठाउँबाट आवश्यक परामर्श लिएर कार्य गर्नाले सो समस्या चाडै समाधान हुन सक्छ
आफ्नो लागी कुन सेवा सुबिधा उपयुक्त हुन्छ त्यही लिनुहोस् अरुले के गरेको छ त्यसको पछी नलाग्नु होस्

UltraCash - A New Payment Techonlogy

2016-04-15T12:29:00.006+05:45

UltraCash Information in Nepali Language:

UltraCash भारतमा विकसित नयाँ प्रविधी हो, यसमा दुई मोबाइलबीच डाटा स्थानान्तरण लागि धेरै उच्च आवृत्ति(frequency) र अश्राव्य(inaudible) ध्वनि छालहरू(Wave)को प्रयोग हुने गर्दछ।

यो प्रविधिमा फोनको स्पिकर र माइक्रोफोन प्रयोग हुने हुँदा यसका लागी मात्र कुनै विशेष किसिमको हार्डवेयरको आवश्यकता पर्दैन जसका कारण सबै फोनमा सहजै काम गर्न सक्छ।

अर्को शब्दमा यो प्रविधिले NFC (Near Field Communication)को माध्यमबाट भुक्तानी प्रकृया सम्भव बनाउँछ।

Security:

Ultracash का सेट अप,सफ्टवेयर र सुरक्षा PCI-DSS अनुरूप प्रमाणित छन् । भुक्तानी कार्ड उद्योग (Payment Card Industry) - डाटा सुरक्षा मानक (Data Security Standard)ले Ultracash एप भित्र भएका सबै डाटाहरुलाई उच्च प्राविधिक सुरक्षा प्रदान गरिएको हुन्छ जुन मापदण्ड अनुरूप छ भन्ने सुनिश्चित गर्दछ।

Ultracash ले डाटाको गोपनीयता र सुरक्षाको लागि ठुला ठुला बैंक र सुरक्षा अडिट एजेन्सीहरू मान्यता प्रदान गरेको छ ।

भुक्तानी प्रविधी आरबीआईको निर्देशन अनुरुप छ र यसमा प्रायोगकर्ताले Two Factor Authentication को माध्यमबाट अधिकतम सुरक्षा प्राप्त गर्दछन् ।

Process:

पसलामा गएर तपाईंले UltraCash प्रयोग गरेर भुक्तानी गर्न चाहनुहुन्छ भन्ने कुरा पसलेलाई बताउनुहोस् ।

पसलेले तिर्नु पर्ने रकम आफ्नो मोबाईलको एप मा राख्छ र फोन अन नै राख्नेछ ।

सुरक्षित पिन प्रयोग गरेर तपाईँले एपमा लगिन गर्नुहोस् र त्यसपछि निर्देशित कुराको पलना गर्नुहोस :

भुक्तानी सुरु क्लिक गर्नुहोस् - यसले ओटिपी प्राप्त गर्ने भनेर सोध्छ, ओटिपी प्राप्त गर्ने भनेर क्लिक गर्नुहोस ।

आवेदकलाई ओटिपी प्राप्त भएपछि, Pay Now विकल्प देखाउँछ,

आफ्नो फोन व्यापारीको फोन नजिकै लानुहोस् र Pay Now बिकल्प क्लिक गर्नुहोस्।

तपाईंले आफ्नो फोनमा चलानी(Bill) देख्नु हुनेछ, फेरि Pay मा क्लिक गर्नुहोस् गरेर पेमेन्ट प्रकृया पुरा गर्नुहोस् । (नोट: ओटिपी प्राप्त गर्न १० - ३० सेकेन्ड लाग्छ)

तपाईंले मोबाइल रिचार्ज, DTH वा बिल भुक्तानी (Recharge Section in App)) आफ्नो बैंक खाता बिबरण भरेपछी गर्न सक्नुहुन्छ ।

Online and POS transaction Vs Physical Cash Transactions

2015-12-29T13:56:00.002+05:45

Importance of Online and POS transaction rather than Physical Cash Transactions:
कागजी नोट कसरी प्रयोग गर्नका साथै कसरी कम प्रयोग गर्ने बारे पनि सोच्ने कि ?
विश्वको धेरै राष्ट्रले कागजी नोटको प्रयोगलाई कम गर्न अनलाईन पेमेन्ट सुबिधामा जोड दिएका छन् र तेसै अनुरूप पुर्वाधारको पनि बिकास गर्दै गएको र यस कार्यका निम्ती यस्तो सुविधा दिने स्वदेशी कम्पनिलाई प्रोत्साहान र अन्य सुविधा दिएका छन्
तेस देशका नागरिकलाई कागजी नोट प्रयोग गर्नु भन्दा अनलाईन तथा पस(point of sale) मेसिन बाट भुक्तान गर्नु सरल र सुरक्षित मान्छन् जस मध्य केहि निम्न प्रकारका छन् :
१) कागजी नोट छिटै च्यातिने र झुत्रो हुने डर हुँदैन,
२) कागजी नोट धेरै व्यक्तिको सम्पर्कमा हुने हुँदा धेरै सरुवा रोगहरु एक अर्कामा सर्नबाट रोकिन्छ,
३) धेरै रकम बोकेर हिड्दा हुने शाररिक र मानसिक जोखिमबाट मुक्त हुन सकिन्छ,
४) समान किन्दा छुट्टा रकम फिर्ता गर्दा हुने अफ्ठयारोबाट छुटकारा,
५) छुट्टाको निहुमा बर्षमा हामीले भुक्तनी गरेको बढी रकमको बचत,
६) घरमै बसेर बिभिन्न बिक्रेताको सामान मुल्य र स्तरबारे जानकारी,
७) सडकमा हुने सवारी जाम, तेलको प्रयोग र दुर्घटनामा कमि,
८) चोबिसौ घण्टा अनलाईन पेमेन्ट को सुबिधा प्रयोग गर्न सकिने,
९) घण्टौ लाम लागेर भुक्तानी गर्नु पर्ने कार्यबाट मुक्ति,
१०) बजार क्षेत्रको विकास भएर विश्वभर बिस्तार हुनु जसले गर्दा राष्ट्रिय समानले अन्त राष्ट्रिय बजार पाउने सम्भावना बढ्छ
यस्ता अरु धेरै फाईदा छन् जस बारेमा सर्वसाधरणलाई जानकारी गराउन जरुरी छ ।

e-payment user response

2015-08-12T15:26:00.002+05:45

People need to Use SCT Debit Card

2015-07-10T11:25:00.003+05:45

Reason behind Joining SCT:

· All member banks are treated equal manner.

· Opportunity to access ATM & POS throughout Nepal. ATM in India and Bhutan through specified financial institution’s ATMs.

· Users are provided thermally printed card with ISO standard track information which has high durability and reliability.

· There is not any hidden cost charges for product and services provided by SCT.

· Secure transaction in ATM as well as POS machine.

· Skilled manpower handling each specific task.

· Securely delivery of requested cards and respective pin mailer to member banks in committed date.

· Sufficient backup for Hardware and Software resources.

· Security, Quality and Prompt Services.

· 24x7 hrs services are available which monitored through connectivity of ATM, POS and other device connected on SCT switch.

· Free training available whenever it is necessary.

· Immediate response for any query or problems from member banks or SCT users.

Changes in human life style through SCT debit card which can be listed as below:

· Previously the customer don't have any concern about card services but now most of the customer looks whether there is debit card services are available or not before opening the account in particular banks.

· ATM/POS/Ecommerce is in the reach of general public of Nepal.

· People can able to withdraw amount from anywhere and any bank ATM which are in SCT Network.

· Flow of e-cash increases due to its smooth and secure transaction.

· Various problems such as health hazard, fake notes issues and paper note life are being solved due to online payment services.

· Consciousness on using debit cards securely has increased.

Benefit for User:

· No need to write checks for cash and stand in branch lines.

· Free from risk of carrying Hard cash.

· Solve the problem for paying small amount during shopping at departmental stores.

· Several of diseases that are spread through paper notes or coins can be controlled.

· Life of Hard cash can be increased.

· People can easily compare the price of different product while doing online shopping.

· People will get familiar to use new payment technology available in market.

· Card holders can do several of banking tasks like cash withdraw, balance query at convenient locations.

· ATM’s of SCT Network is opened for 24 hours in certain location so that withdraw is possible even in emergency period.

· Customer can issue nine supplementary cards for single account customers.

Benefits for F.I.

· F.I. may participant in the SCT Network as an issuer and or Acquirer.

· It adds the positive marks for F.I. debit cards.

· Supports cash withdrawals, balance query & pin change.

· 18X7 service available for F.I. and its customers.

· Connect their customers with their cash deposited in bank account wherever they are.

· Limited number of teller required to serve customer at office.

· Increases the number of F.I. customers.

Benefit for Nation

· Increase the life of physical Money.

· Easy to tack necessary record.

· Secure & Healthy Environment

Description of Products/Services:

Debit Card: A debit card issued by a bank which allows bank clients access to their account to withdraw cash or pay for goods and services. At first F.I. order certain number of fresh card as per requirements via SCT. Those fresh cards should be sent as per customer request to SCT. SCT will personalize those fresh cards and make it SCT debit card. Those finished SCT debit card will again sent to F.I.

Pin mailer: With personalize cards there is pin code provided to customers. Incase customer forget his/her previous pin mailer Repin will generated.

Card Management Software: For the convenient of member, SCT has offered a Card Management Software which is used by member banks to view card transaction and update the card status. Also it has various features that are useful and related to card transactions.

ATM/POS Networking: ATM is computerized machine that permits bank customers to gain access to their accounts with a magnetically encoded plastic card and a code number. ATM connected in SCT network enables the customers to perform several banking operations without the help of a teller, such as to withdraw cash, obtain bank statements, and cash transfers (on testing phase). A point of sale/service (POS) machine is used to conduct retail transactions. SCT user can pay their shopping amount through POS transaction.

POS Cash Advanced: This is pos sale cash advance where customers obtain money from his/her debit card at pos terminal. In this SCT user have to pay certain charges. It is suitable mainly in remote location where ATM machine not available or not able to install.

SCT MOCO:
FOCUSONE Payment Solutions in collaboration with SmartChoice Technologies (SCT) has launched a new mobile payment system “SCT MoCo”. The technology enables registered users to use their mobile phones to make utility payments and financial transactions. The mobile application is linked to a SCT Debit card. The system makes use of existing telecoms, banks and merchant's ecosystems so that use of the service is as easy as having one more plastic card or a wallet in one’s pocket.
SCT MoCo users can make payments of any sort such as purchase payments, utility payments and online payments through their mobile phones. All payments can be made ON-SITE or OFF-SITE that will be revolutionary to any time of payments made in Nepal so far.

Benefits of MoCo are:
· MoCo extends SCT plastic cards to mobile, enabling financial transactions via mobile phones.
· A hassle free sign up process. If you have a smart phone (Android/iPhone), data connectivity and SCT card, you can start using MoCo in just a few minutes.
· Regulatory approved 2 factor authentications: MoCo password + SCT card PIN.
· Uses secure communication channel via data. Doesn't use insecure SMS, IVR, or USSD.
· SCT card information is never revealed to third-party (merchants).
· Capability of linking more than one SCT card to a specific account.

SCT nPay :
SCT nPay is a new and innovative service launched by nPay in collaboration with SCT, Nepal’s no. 1 and widely used ATM and Merchant Network, for its card holders to do online payment transactions.
SCT nPay allows merchants/sellers to accept online payment for their services through SCT cards. After signing a Merchant Agreement with nPay, merchant will need to integrate their website with nPay's gateway. After merchant customers’ checkout from the website, they enter Card Number and PIN on nPay secure payment page. When the payment is completed, npay will send an email notification to the registered email address.
SCT nPay accepts only SCT cards. It supports only Nepalese Rupees (NRs). SCT nPay gateway is hosted in one of the highly secured data center with 256 bit SSL Encryption certificate. nPay supports physical/electronic goods and services which are not prohibited/restricted by government rules and regulations.

Benefits of nPay:
SCT nPay has following benefits: it is simple, fast and secured way of payment
· Simple: SCT nPay interface is developed for non expert users, any one with little computer knowledge can use our service, Also we provide secure tracking of transactions.
· Fast: Fund transfer has been always a great problem and tedious job for any customers who want to shop online. We are here to solve your problems. You just need SCT card number and your card pin number.
· Secured: nPay uses multiple layers of security, including fraud-monitoring systems and encrypted tokens using SHA256 hash algorithms to help keep payment information safe.

Why to Use SCT debit Cards:
· Easy to get from any member Banks
· Lower Cost
· Secure (both card and pin required in any kind of transactions)
· Can be use for Online Payment Solutions. No money need to store in Application vault.

Drawback of storing amount in Application Vault:
· User will lose Interest of that vault Amount.
· User can’t retain that amount as hard cash during required time.
· No legal liability or rules to secure that amount.

नगद राशिलाई ई-भल्ट मा राख्नुका बेफाईदाहरु :
• प्रयोगकर्ताले बैंक बाट प्राप्त हुने ब्याजको रकम गुमाउनु पर्ने हुन सक्छ ।
• प्रयोगकर्ताले आवश्यक समयमा नगद भौतिक रुपमा पुन प्राप्त गर्न असमर्थ वा पुन प्राप्त गर्नका लागी केहि मुल्य चुकाउनु पर्ने साथै धेरै प्रकृया तथा समय खर्चिनु पर्ने हुन सक्छ ।
• ई-भल्टमा राखेको रकमलाई कानुनी संरक्षण तथा नियमले नबाधेको हुन सक्छ, कुनै कारणले सो रकम हराएमा पुन प्राप्त गर्ने कानुनी आधार नहुन सक्छ ।

त्यसैले यस्तो सेवा लिदा बिचार पुराएर मात्र लिनु पर्छ जसले आफ्नो बैंक मा भएको रकमलाई करोबार गर्ने बेलामा मात्र बैंक को खाताबाट घटाओस् ।

Some Article on SCT Network

2013-10-25T11:11:00.002+05:45

Follow @nepalithito82 : ..SCT Network
Article 1: What is SCT Network and its importance for Nepali Market?

Section 1: Executive Summary

In this time many F.I. are connected with payment network to provide their customer with debit card as well as online payment services. SCT is also offering above services as well as in various other new payment technologies and services are on testing phase. SCT is one of the first payment service in Nepal which has currently more than 82 F.I.’s, 1150+ ATM’s, 2000+ POS and more than 1.6 Million customers base. These data’s shows the popularity, reliability and security of SCT Network services. SCT Network has covered almost 75 districts of Nepal. SCT users also can withdraw amount from India and Bhutan via specified F.I. ATM’s in reasonable charge. Joining SCT will increase the F.I. reputations and allows their customer to use all payment products & services available in SCT with reasonable charges. SCT has never charged hidden cost for its member. Our charges are fully described in agreement papers and if any additional service launched it will first confirm than add product and services with respective charge.

Section 2: Introduction of SCT Network

2.1 About SCT:

SCT network is a national payment technological company that enables consumers, business, financial institutions and government to use electronic payment instead of cash and cheques. With the believes to provide payment solution throughout Nepal SCT has establish in 2001 A.D. With self deployed 28 ATM’s, and very few F.I. it has started it services which reaches to 1150 plus ATM’s , 2000 plus POS machine and customer base are more than 1.6 millions.

2.2 Objectives:

More than 80% people are far away from using modern payment solutions SCT has been organizing several events and programs to aware those people who are still away from the benefit for using such modern payment technologies which are available in local market. SCT also spending more than 5% of his profit income is social welfare programs. SCT doesn’t only sales its products and services but also provides full time support for its members and users. It also suggests several of useful strategies for increasing F.I. customer’s base by using SCT products and services. SCT believes in providing secure, quality and satisfactory services in reasonable price, is only the key of success.

2.3 Mission and Vision:

It has Implement various modern payment technologies and services in SCT network to provide its users with international standard product and services within in Nepal. It has mission to make SCT network to be recognized globally by extending it services it services throughout world. For this it has been communicating with various country service providers to acquire SCT within their network.

Section 3: Why to Join SCT?

The national card payment system SCT is one of the largest and best known networks for electronic payments in Nepal. It has connected all SCT card members, F.I. and Sales Merchants. Currently there are more than 1.6 million SCT debit card issued by 80 leading F.I. from Nepal and two F.I.’s from Bhutan.

The numbers of SCT card members are increasing everyday which shows that SCT card members recognized multifold benefits of joining the SCT Network. Therefore, joining the SCT Network may be your best business decision that enables your customers to use the benefits of paying by SCT debit cards at your own sales establishment or a web shop through utility payment options in SCT MoCo & nPay.

Benefit for Customers:

· No need to write checks for cash and stand in branch lines.

· Free from risk of carrying Hard cash.

· Solve the problem for paying small amount during shopping at departmental stores.

· Several of diseases that are spread through paper notes or coins can be controlled.

· Life of Hard cash can be increased.

· People can easily compare the price of different product while doing online shopping.

· People will get familiar to use new payment technology available in market.

· Card holders can do several of banking tasks like cash withdraw, balance query at convenient locations.

· ATM’s of SCT Network is opened for 24 hours in certain location so that withdraw is possible even in emergency period.

· Customer can issue nine supplementary cards for single account customers.

Benefit for F.I.

· F.I. may participant in the SCT Network as an issuer and or Acquirer.

· It adds the positive marks for F.I. debit cards.

· Supports cash withdrawals, balance query & pin change.

· 24X7 service available for F.I. and its customers.

· Connect their customers with their cash deposited in bank account wherever they are.

· Limited number of teller required to serve customer at office.

· Increases the number of F.I. customers.

Section 4: Members and other Information’s:

There are 82 numbers of financial institutions in it network among them 23 Nos. of Commercial Banks, 38 Nos. of Development Banks and 49 Nos. of financial institutions. SCT has more than 1150 nos. of ATM, More than 2000 POS machine and customer base are more than 1.6 Millions.

Section 5: Products/Services:

Debit Card: A debit card issued by a bank which allows bank clients access to their account to withdraw cash or pay for goods and services. At first F.I. order certain number of fresh card as per requirements via SCT. Those fresh cards should be sent as per customer request to SCT. SCT will personalize those fresh cards and make it SCT debit card. Those finished SCT debit card will again sent to F.I.

Pin mailer: With personalize cards there is pin code provided to customers. Incase customer forget his/her previous pin mailer Repin will generated.

ATM/POS Networking: ATM is computerized machine that permits bank customers to gain access to their accounts with a magnetically encoded plastic card and a code number. ATM connected in SCT network enables the customers to perform several banking operations without the help of a teller, such as to withdraw cash, obtain bank statements, and cash transfers (on testing phase). A point of sale/service (POS) machine is used to conduct retail transactions. SCT user can pay their shopping amount through POS transaction.

POS Cash Advanced: This is pos sale cash advance where customers obtain money from his/her debit card at pos terminal. In this SCT user have to pay certain charges. It is suitable mainly in remote location where ATM machine not available or not able to install.

eCommerce (Utility payments): SCT user can do online shopping and pay through SCT debit cards with reasonable charge. For more details customer need to visits
SCT-MoCo & SCT- nPay sites.

· Some of services are which are on testing phase in SCT are Inter Bank Fund Transfer Services and Mobile Pay solutions and will planning to implement in SCT very soon.

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Article 2: What is the importance of SCT Network in Nepal

**********************************************************************

Section 1: Executive Summary

This is the age of modern payment technology. Various traditional payment options seem to be expensive, slower and unsafe to carry. So, to overcome such problems SCT has implemented Nepal’s first payment network.

Currently, there are more than 82 Financial Institutions which are connected in its network. It has offered its services not only within Nepal but also in Bhutan as well. SCT users also can withdraw amount from India through specified bank ATMs. Various services like debit card, eCommerce (Utility payment), ATM/POS network, POS cash advanced are currently running through SCT and research and testing is going on other advanced technology like IBFT (Inter bank fund transfer). Similarly, mobile payment is still on the way to get launched through SCT Network.

SCT has always focused on secured transaction for its customer. So, pin code option even for POS transactions is applied by SCT. Mandatory pin change option is another way to make transactions secured.

SCT has separated various departments who are responsible for specific tasks so that quality service is maintained. SCT is not taking hidden cost from its members and charged only for what we serve. SCT has never compromised for security and quality. Organizing free training as per member banks request or necessity makes good working environment between SCT and its members.

Section 2: Introduction of SCT

With a view to providing national payment technological service, Smart Choice Technologies was incorporated in 2001. It was a first national payment technological company which was established in Nepal.

The company has been heavily investing in providing the service effectively. Under a professional technical and management team, the company has established itself as an emerging key player. Today, the company is recognized as an innovative and progressive service provider in a technical field.

2.1 Before SCT Network Established:

Before, there were only 15 commercial banks in Nepal which were providing banking services. People used to keep money in bank for security and earning interest from those deposited amount. Cheques were only one medium through which the deposited money could be withdrawn from particular branch where he/she has opened their account. By then, people used to carry physical cash due to which they had to face different problems. Sometimes they even had to face physical disaster. Similarly, before SCT was introduced in Nepalese Market there were only 100-150 POS Machine (acquired by Himalayan, Nabil & Greenlays and Alpine) and 4 ATM (Acquired by Himalayan Bank).

2.2 After SCT was established on 2001:

When SCT was introduced there were not any National payment switches in Nepalese market. As the concept was totally new and outsourced, there were very few banks that joined SCT. However, Himalayan bank was a first bank to join SCT. SCT has deployed 28 ATMs itself to create market for such debit card services. In those ATMs cash management was done by particular member bank. About 200 POS machines were deployed in the Nepali market through its member banks.

Section 3: Why to Join SCT?

SCT is a huge payment network of Nepal with 850+ ATMs, 1500+ Pos machine in its network within Nepal. Also it has provided option to withdraw amount from India and Bhutan with specified financial institutions ATMs. It offers various services like Debit card services, ATM/POS Networking, POS Cash Advanced, SCT-MoCo, SCT-nPay which are the primary services of SCT Network. In upcoming services, there are Inter Bank Fund Transfer (IBFT) Services, Mobile-payment solutions.

· All member banks are treated equal manner.

· Opportunity to access ATM & POS throughout Nepal. ATM in India and Bhutan through specified financial institution’s ATMs.

· Users are provided thermally printed card with ISO standard track information which has high durability and reliability.

· There is not any hidden cost charges for product and services provided by SCT.

· Secure transaction in ATM as well as POS machine.

· Skilled manpower handling each specific task.

· Securely delivery of requested cards and respective pin mailer to member banks in committed date.

· Sufficient backup for Hardware and Software resources.

· Security, Quality and Prompt Services.

· 24x7 hrs services are available which monitored through connectivity of ATM, POS and other device connected on SCT switch.

· Free training available whenever it is necessary.

· Immediate response for any query or problems from member banks or SCT users.

Section 4: Members, No. of ATM, POS & SCT Customer Base:

4.1 Current Status (2001 - 2013) of SCT Network in Nepalese market:

· 1150+ ATMs

· 2000+ POS

· SCT Users- More 1.6 Million

4.2 Current Member Banks of SCT Network:

· Commercial Banks: 23 Nos.

· Development Banks: 38 Nos.

· Financial Institutions: 49 Nos.

Section 5: Products/Services:

5.1 Products:

· Debit Card: Fresh Card, Name Printed Card, Instant Card

· Pin mailer: Respective Card Pin Mailer, or Repin if necessary.

· Card Management Software: It is used by member banks to view card transaction and to update the card status. Also it has various features that are useful and related to card transactions.

· ATM/POS machine can be provided to member banks as per requirement of member banks.

5.2 Services:

5.2.1 Current Services:

· Debit card services

· ATM/POS Networking

· POS Cash Advanced

· SCT MoCo & SCT nPay

5.2.2 Upcoming Services:

· Inter Bank Fund Transfer (IBFT) Services

· Mobile-payment solutions.

5.2.3 Product Training for sales associates:

SCT offer the training related to SCT products as per requirement or request from member banks without any charges through various departments HOD or skilled SCT employee.

Ten years successful journey by SCT Network

2013-10-01T13:36:00.000+05:45



Ten years successful journey by SCT Network

Before SCT Network Established:

There were only 15 commercial banks in Nepal which are providing banking services. People used to keep money in bank for security and earning interest from those deposit amounts. After depositing those amount in bank provided cheque is only one medium to withdraw those deposited amount and only from particular branch where he/she has opened account. While travelling one place to another place people mostly carry physical cash due to which they have to face different problems and sometimes they face physical disaster. In Nepalese Market there only 100-150 POS Machine (acquired by Himalayan, Nabil & Greenlays and Alpine) and 4 ATM (Acquired by Himalayan Bank).

After SCT was established on 2001:

When SCT was entered in the Nepali market there weren't any National payment switch in Nepalese market. As the concept was totally new and outsourcing concept was not in Nepali market so many banks feels first hesitate to join SCT Network. However SCT never keep it step backs to aware those financial institute. Himalayan bank was a first bank to join SCT after than other banks also joined SCT Network. SCT has deployed 28 ATMs itself to create market for such debit card services in those ATMs cash management was done by particular member bank. About 200 POS machine were deployed in the Nepali market through its member banks.

Current Status (2001 - 2010) of SCT Network in Nepalese market:

ATM- 850+ POS-1500+ SCT Users- 11 Lakhs

Member Banks of SCT Network (upto 1 Jan 2011):

• Commercial Banks: 24 Nos

• Development Banks & Financial Institutions: 48 Nos.

Current Services provided by SCT:

Debit card services, ATM/POS Networking, POS Cash Advanced, Ecommerce are the primary services of SCT Network,

Upcoming Services:

Inter Bank Fund Transfer (IBFT) Services and other payment solutions.

Changes in human behavior:

We have found lot of changes in human life style through SCT debit card which can be listed as below:

o Previously the customer don't have any concern about card services but now most of the customer looks whether there is debit card services are available or not before opening the account in particular banks.

o ATM/POS/Ecommerce is in the reach of general public of Nepal.

o People can able to withdraw amount from anywhere and any bank ATM which are in SCT Network.

o Flow of e-cash increases due to its smooth and secure transaction.

o Various problems such as health hazard, fake notes issues and paper note life are being solved due to online payment services.

o Consciousness on using debit cards securely has increased.

At last we would like to give best wishes for more successful journey of SCT Network Nepal as well as throughout the world.

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2012-11-29T13:51:00.001+05:45

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Role of Debit Card

2012-09-18T07:52:00.001+05:45

नेपालको विकसमा डेबिट कार्डको भूमिका:

हामीहरुले आज भोली बिभिन्न पत्र पत्रीकामा धेरै बैंकहरुको सुबिधा बारेमा ठुलठुला बिज्ञापन पढेका सुनेका छौ । अनेक सुबिधामध्य डेबिट कार्डको सुबिधा पनि एक अनिवार्य सुबिधाको रुपमा बनेको छ । धेरै जस्तो ग्राहकहरु यस्तो सुबिधा प्रयोग बारे अनबिज्ञ भए पनि बैंकमा खाता खोल्ने बित्तिकै डेबिट कार्ड लिन आतुर भएको पाइन्छ तर यस बारेमा राम्ररी बुझ्न केहि समय खर्चिएको पाइदैन जसका कारण डेबिट कार्ड र पिन मेलर हराउने वा पिन कोड अरुलाई सहजै भन्ने गर्दा डेबिट कार्डबाट रकम चोरिको घटनामा बृद्धि हुने गरेको छ । बिज्ञान जान्नेलाई बरदान हो भने नजान्नेलाई अभिषाप पनि हुन सक्तछ । तसर्थ नयाँ प्रबिधिको प्रयोग पूर्व यस बारे सकेको कुरा जान्नु जरुरी हुन्छ ।

डेबिट कार्ड भनेको के हो ?

डेबिट कार्ड भन्नाले यस्तो प्लास्टिक वा चिप कार्ड हो जसलाई एटिएम वा पस मसिनमा प्रयोग गर्नसाथ सम्बन्धित व्यक्तिको बैंकको खाताबाट रकम घट्छ र तेती नै रकम एटिएम बाट बहिर निस्कन्छ अथवा पस मसिनबाट समान किनेको मुल्य तिर्न सकिन्छ । यस्ता कार्डहरु पिन बेस वा हस्ताक्षर बेस हुन्छन् जस मध्य हस्ताक्षर बेस कार्ड धेरै सुरक्षित मनिन्छन् किन भने हस्ताक्षर बेस कार्ड प्रयोग गर्दा उक्त हस्ताक्षर भेरीफाई गर्ने व्यक्ती बैंकमा भएका जस्तो भेरीफाई गर्नमा पोख्त हुँदैनन् र यदी यस्तो कार्ड हरायो भने त्यो कार्डबाट अन्य व्यक्तिले पनि त्यो कार्डबाट आफुले किनेको समानको भुक्तनी गर्न सक्छ । पिन बेस कार्डहरुमा आजभोलि आफ्नो पहिलो प्रयोगमा पिन कोड फेर्नु पर्ने अनिवार्यता भएको हुनाले यस्तो कार्ड अझै धेरै सुरक्षित भएको छ । डेबिट कार्डको अग्रीम भागमा उक्त कार्ड प्रयोग कर्ताको नाम, कार्ड नम्बर, समाप्त हुने मिती लेखेको हुन्छ जुन कुरा सबैले सहजै पढ्न सक्छन् तर कार्डको पछाडिको कालो भागमा भएको सुरक्षित डाटाहरु एटिएम मसिन , पस मसिन वा अन्य उपकरणहरुले मात्र पढ्न सक्छ ।

पिन कोड भनेको के हो ?
पिन कोड भन्नाले डेबिट कार्ड प्रयोग कर्ताले एटिएम,पस मसिन्(पिन इनेबल भएको) वा अन्य पेमेन्ट टेक्नोलोजिमा डेबिट कार्ड प्रयोग गर्दा प्रयोग कर्ता भेरीफाई गर्ने चार अंकको कोड हो जसलाई सिक्युरिटी मसिनले बनाएर पिन मेलेरमा प्रीन्ट गरेको हुन्छ । यस्तो कोड पाउने बित्तिकै फेर्नु जरुरी मनिन्छ जसले कार्डलाई अझ बढी सुरक्षित बनाउन सहयोग गर्दछ । पिन कोडलाई कसैलाई पनि भन्नु उपयुक्त मनिदैन ।

पिन कोड फेर्ने तरिका:

१) सर्वप्रथम आफुले प्रयोग गर्ने कार्ड कुन एटिएम मा प्रयोग गर्दा पिन कोड फेर्न सकिन्छ तेस बारे जानकारी लिने र सोही एटिएम मा जाने । २) कार्ड एटिएम मसिनमा छिराउने र चार अंकको पिन कोड थिच्ने । ३) पिन कोड सही भएमा धेरै बिकल्प आउछ जसमध्य पिन कोड परिवर्तन गर्ने बिकल्प रोज्ने । ४) पिन कोड परिवर्तन गर्ने बिकल्प रोजे पछी नयाँ चार अंकको पिन कोड थिच्ने र फेरी पहिले थिचेको चार अंकको पिन कोड थिच्नुपर्छ । यदी हामीले थिचेको पिन कोड सही भएमा पिन कोड परिवर्तन सफलतापुर्वक भयो भन्ने सन्देश आउछ नत्र त्रुटी भएको सन्देश दिन्छ र सबै प्रकृया पुन गर्नुपर्छ ।

डेबिट कार्डलाई एटिएम मसिनमा चलाउने तरिका :

१) सर्वप्रथम आफुले प्रयोग गर्ने कार्ड कुन एटिएम मा प्रयोग गर्दा पिन कोड फेर्न सकिन्छ तेस बारे जानकारी लिने र सोही एटिएम मा जाने । २) कार्ड एटिएम मसिनमा छिराउने र चार अंकको पिन कोड थिच्ने । ३) पिन कोड सही भएमा धेरै बिकल्प आउछ जसमध्य Cash withdraw/Fash Cash बिकल्प रोज्ने । ४) Cash Withdraw विकल्पमा चहिएको रकम टाईप गर्नुपर्छ तर Fast Cash विकल्पमा स्क्रीनमा देखाएको रकम मध्य चहिएको रकम छाने पुग्छ । ५) यदी हामीले थिचेको पिन कोड सही भएमा, हाम्रो बैंकको खातामा प्रयाप्त रकम भएमा तथा एटिएम, पेमेन्ट switch र बैंक Host मा कुनै समस्या नभए सफलतापुर्वक रकम प्राप्त हुन्छ नत्र त्रुटी भएको सन्देश दिन्छ र सबै प्रकृया पुन गर्नुपर्छ ।

डेबिट कार्डलाई पस मसिन तरिका :

१) सर्वप्रथम आफुले प्रयोग गर्ने कार्ड कुन पस मसिनमा प्रयोग गर्न सकिन्छ तेस बारे जानकारी लिने र सोही पस मसिनमा कार्ड स्वायप गर्ने, भुक्तान गर्ने रकम थिच्ने र चार अंकको पिन कोड थिच्ने । २) यदी हामीले थिचेको पिन कोड सही भएमा, हाम्रो बैंकको खातामा प्रयाप्त रकम भएमा तथा एटिएम, पेमेन्ट Switch र बैंक Host मा कुनै समस्या नभए सफलतापुर्वक बिल Print हुन्छ नत्र त्रुटी भएको सन्देश दिन्छ र सबै प्रकृया पुन गर्नुपर्छ ।

अनलाईन सेवा :

नेपालमा प्राय धेरै अनलाईन सेवा दिने संस्थानहरु प्रख्यात छन् जसमध्य eSewa अनलाईन प्रीपेड सर्विस हो भने SCT- MoCo र SCT- nPay अनलाईन पेमेन्ट गेट्वे हो । MoCo र nPay बाट अनलाईन पेमेन्ट गर्दा पिन कोड किबोर्डको सहायताले इन्टर गर्नुपर्छ र यो Two Factor Authentication Device हो जुन अन्त-राष्ट्रीय सुरक्षा प्रणली स्तरको मानिन्छ ।
SCT- nPay
SCT- MoCo

Nepal Electronic Payment Systems Limited (NEPS)
a joint endeavor of financial institutions to have a single platform to fulfill the entire electronic payment needs of the institutions, has now launched its SmartVista Solution.

NEPS has partnered with BPC Banking Technologies (Asia Pacific) Pte. Ltd., Singapore for the installation of their SmartVista Suite of solutions as the core software to provide solution to its member. The solution encompasses Debit Card, Credit Card, Pre-paid Card, Lifecycle Management System, Merchant Management System, ATM Management System, Cellular and Internet Banking Interface, Fraud Management, Loyalty Program Management and Payment Processing and Switching System as well as various other solutions for electronic payment needs of the banks in EMV environment.

The solution provided by NEPS is hosted in a multi-institution environment and has the capability to service the entire financial institutions of Nepal. Currently four banks; Sunrise Bank Limited, Janata Bank Limited, Machhapuchchhre Bank Limited and Citizens Bank International Limited are already processing their card transactions through NEPS and remaining member banks will be migrated to the NEPS system within three months. Other interested organizations are welcomed to Join NEPS and be integrated the system as per their schedule and requirements.

LLB 3rd Year Company Law Questions

2008-12-26T11:20:00.000+05:45

Company & Corporation Law (524), 2073

Times: 1.5 Hrs

Full Marks: 50

Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.

Attempt any THREE questions.

1. What are the documents required for incorporating private company? Is there any difference from the documents to be filed for a public company> Discuss.

2. What do you understand by initial offer of shares? How can you differentiate right issue and initial offer of shares?

3. If the private company needs not bold general meeting how will pass resolutions required to be passed only by the general meeting under the companies Act, 2063? Examine.

4. Examine the decision of the Supreme Court in Piyash Raj Pandey Vs. Tax office, Kathmandu, NKP, 2040/901 by outlining the facts and issue.

5. Write short notes on any Three of the followings:

a) Ultra Vires

b) Constructive notice

c) Prospectus of a company

d) Debenture trustee

e) Foreign company

Company & Corporation Law (524), 2072

Times: 1.5 Hrs

Full Marks: 50

Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.

Attempt any THREE questions.

1. What are the documents required for incorporating a public company? Are the documents required for the incorporation of a private company of the same nature or different? Discuss.

2. What is allotment of shares? When shares are considered as irregular allotment and what are its effects?

3. What is quorum? Explain the requirements of quorum for general meeting of a public company. Discuss the consequences of the absence of a quorum at a meeting.

4. Examine the decision of the Supreme Court in Tarini Prasad Adhikari Vs. G.M. Surya Bahadur, NKP 2065/1093 by outlining the facts and issues.

5. Write short notes on any Three of the followings:

a) Transfer a shares and transmission of shares

b) “Floating charge” and “fixing charge”

c) Company Secretary

d) Liquidator of a company

e) Pre-incorporation contracts

Company & Corporation Law (524), 2070

Times: 1.5 Hrs

Full Marks: 50

Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.

Attempt any THREE questions.

1. State the nature of corporate personality of a company. State in what cases veil of corporate personality can be lifted by the courts.

2. Define a share. Discuss various kinds of shares and their respective rights of the shareholders comparing them with debenture holders.

3. Comment on the ratio enunciated by The Supreme Court in Bhuminanda Sharma Dawadi vs. Government case by highlighting the contribution made by it in the development of company law in Nepal.

4. What do you understand by corporate social responsibility? Do you consider to observe these responsibilities?

5. Write short notes on any Three of the followings:

a) Workers’ participation in management

b) Foreign companies

c) Memorandum of Association of a company

d) Company meeting

e) Company not distributing profit

Company & Corporation Law (524), 2069
Times: 1.5 Hrs
Full Marks: 50
Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.
Attempt any THREE questions.
1. A company is however a person in the eye of law. Can a company claim the protection of such fundamental rights as are guaranteed to all persons? Examine this statement.
2. Examine the scope of workers’ participation in management with reference to company law of Nepal.
3. Comment on the ratio enunciated by The supreme court in Prakash Bahadur Singh Vs. Nepal Match Company case by highlighting the contribution made by it in the development of company law in Nepal.
4. What do you understand by a company meeting? Show the difference between annual general meeting and extra-ordinary general meeting with reference to company law of Nepal?
5. Write short notes on any Three of the followings:
a) Promoters of a company
b) Debentures of a company
c) Private and public company
d) Corporate liability
e) Company not distributing profit

Company & Corporation Law (524), 2068
Times: 1.5 Hrs
Full Marks: 50
Candidates are required to give their answer in their own words as far as practicable. The questions are of equal value.
Attempt any THREE questions.
1. “Directors are the mere trustees and agents of the company. Examine this proposition in the light of legal position of directors under The companies Act, 2063 of Nepal.
2. Discuss the concept of incorporation of a company. Explain the features of incorporation of a company.
3. Comment on the ratio enunciated by the Supreme Court in Khem Chandra Chaurasia Vs. Department of Industries (NKP 2065/507) case by highlighting the contribution made by it in the development of company law in Nepal.
4. What do you understand by pre-incorporation contract? State the validity of pre-incorporation contract in Nepal according to The Nepalese Companies Act, 2063.
5. Write short notes on any Three of the followings:
a) Company Secretary
b) “Doctrine of Ultra Vires”
c) Debentures
d) Prospectus of a company
e) Single member Company

मेरो प्यारो अफिस

2008-07-11T12:40:00.000+05:45

मनोवाद को शीर्षक : "मेरो प्यारो अफिस"

“हैन कती बेलासम्म सुतेको हो भने ?” चर्को आवाज सुनेर म झस्याङ् हुँदै उठ्न पुग्छु , यस्तो आवाज पहिले पनि धेरै पटक सुनेको थिए तर त्यो आवाज र आजको आवाज मा धेरै भिन्नता बोध भएको छ । भक्खरै जागिरमा आवश्यकता नभएर म लगाएत अन्य १० जना कामदारलाई अफिसले अवकास दिएको पिडाले हो कि यस्तो अनुभव भएको मलाई । सायद यो ती सबै व्यक्ती जसले जिवनभर अरुको जागिर गर्छन् र बिभिन्न कारणबाट जागिर छोडेर घरमै बस्नुपर्ने पिडाको अन्तरमनको आवाज पनि हुनसक्छ ।

आमा बुवा दाजु भाई दिदी बहिनी श्रीमती छोरा छोरीले र अरु शुभचिन्तकले पनि बेला बेलामा भनेका थिए बुद्धी पुराउ केहि सानो तिनो भए पनि आफ्नै उद्धम गर अर्काको मात्र भरपर्नु हुँदैन जुन दिन अफिसमा तिम्रो आवश्यकता हुँदैन त्यो दिन तिमीलाई अनेकौ बहाना बनाएर जागिर छोड्न बाध्य पारिन्छ । तर म भन्ने गर्थे होईन मेरो अफिस त्यस्तो छैन र म इमान्दार र मिहेनेती व्यक्तिलाई त्यो अफिसको धेरै खाँचो छ अनि यस्तो बेलामा त म जस्तो व्यक्ती को धेरै आवश्यकता छ , म कसरी स्वार्थी हुन सक्छु र?

दिन रात अफिसको प्रगतिको निम्ती आफ्नो १५ बर्ष भन्दा पनि महत्वपूर्ण समय तेही अफिसलाई दिए तर आज कती सहजै आवश्यकता छैन भनेर अवकाश दिएछ । होईन अब यस्तो बेलामा मैले के गर्ने होला ?

श्रीमती ले हातमा चियाको कप लिएर आउछिन् र भन्छिन - "होईन हो किन टोलाईरहेको हो ? यसो बाहिर निस्कनुहोस् केहि काम त गर्नु नै पर्‍यो नि ?"

हुन्छ भन्दै हातको चिया छिटो छिटो पिएर घरबाट बाहिर निस्कन्छु ।

पहिले पहिले सबैलाई सन्चो बिसन्चो सोध्दै हिड्ने बानी मेरो आज कसैसंग बोल्ने मन छैन मलाई , तर पनि कसैले मिठो मुस्कान दिदै के हो आज अफिस बिदा हो कि क्या हो भनेर सोद्धा नमिठो मान्दै हो भन्थे । आफुलाई हेरर हाँसेको हाँसोले पनि मलाई गिज्याई रहेको जस्तो लाग्थ्यो । पहिले तेही साथी भाईले आफ्नै उद्द्योग खोलौ भन्दा अफिसको कामले गर्दा भ्याउदिन भनेको थिए आज त्यो उद्द्योगले निकै प्रगती गरेको देख्दा पछुतो पो लाग्न थालेको छ ।

सायद यस्तै रहेछ जिवन बेलामा सही निर्णय गर्न जानेन भने धेरै घाटा हुदो रहेछ । पत्रीका पसलमा पुगेर समाचार पढ्दै गर्दा एउटा विज्ञापनमा मेरा नजर टक्क अडियो कारण मेरो अफिस जसले कर्मचारी बढी भयो भनेर १० जनालाई अनिवार्य अवकाश दिएको थियो त्यसैले १२ जनाको लागी नयाँ विज्ञापन गरेको थियो । मैले केहि बुझ्न सकेको थिएन र यसबारेमा अन्य अवकाश प्राप्त साथिलाई भने र हामी सबै मिली यसबारेमा बुझ्न भनेर अफिस पुग्यौ अनि मात्र यतार्थ थाहा भयो कि केहि भित्री व्यक्तिले आ आफ्ना व्यक्तिलाई त्यो अफिसमा जागिर दिनलाई भाग बन्डा गरेर हामीलाई झुठो कुरा गरेर र हामीलाई मन नपराउने व्यक्तिको समुह मिलेर हामीलाई अवकाश दिना लगाईएको रहेछ । थुक्क व्यक्तिको कुसोच यत्रो बर्ष संगै काम गरेर पनि एक अर्काबीच यस्तो कार्य गर्न सक्ने धन्य रहेछ मनुष्य स्वभाव बुझेर बुझ्न नसकिने ।

यती भनेर हामी त्यताबाट आ आफ्नो बाटो लाग्यौ , एउटा गीत सम्झिरहेको थिए मैले "जिन्दगी खोला जस्तै बगिरहेछ बगिरहेछ !" हो वास्तमा हाम्रो जिवन खोला जस्तै कहिले भेल कहिले झेल त कहिले मेल मा बगिरहन्छ बगिरहन्छ बगिरहन्छ !!!!!