Financial inclusion is the big need of the day and to further speed track Financial Inclusion in the nation the RBI constituted working groups on MicroATM norms and Central Infrastructure and Connectivity for Aadhaar based financial inclusion instruments.
They came up with the recommendation of Aadhaar enabled payment system that permits online interoperable monetary transactions at PoS (MicroATM) through the Business journalist of any bank utilizing the Aadhaar verification. http://www.npci.org.in/aepsoverview.aspx
If you want to read this http://www.npci.org.in/AEPS.aspx
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