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The Reserve Bank of India (RBI) is the central bank of India that manages all major monetary policies of India and handles the economic stability and growth. RBI was set up in 1935 under the Reserve Bank of India Act,1934, and since then, RBI has been playing an important part in the Development Strategy of the Government of India. It is also a member bank of the Asian Clearing Union.
Country
India
Industry
Government
Services used
In 2016, the Reserve Bank of India (RBI) introduced a series of new currency notes, ranging from INR 10 to 2,000, each distinguished by unique embedded features. These features were designed to facilitate easy identification.
For the visually impaired, tactile markers and embossments on the notes served as visual cues for determining denominations. However, these markers often deteriorate with regular use, posing challenges for those relying on touch. To tackle this issue, RBI turned to a technological solution. The requirement was to develop a mobile application that would help the visually and hearing impaired to identify denominations of currency notes through voice/sonic and vibration patterns.
To execute this initiative, RBI zeroed in on Daffodil Software after a rigorous partner selection process as their technology partner, who would be responsible for managing the technical and functional aspects of the project.
For building the currency denomination identifier for RBI, Team Daffodil was expected to deliver the following:
Develop an intuitive user interface that seamlessly aligns with RBI's brand identity. The application should be easy to navigate, cohesive, and incorporate clear messaging to accommodate end users effectively.
Utilize advanced artificial intelligence techniques to achieve high accuracy in identifying currency note denominations, even in varying lighting or soilage conditions of the banknotes.
Integrate multiple languages into the application to enhance accessibility for visually and hearing-impaired individuals.
Incorporate advanced security protocols to safeguard the application against vulnerabilities and data breaches.
At the project’s outset, team Daffodil presented a technical proposal, project management strategies, software requirement specifications, high-level & low-level design documents, and user acceptance test cases to RBI. These documents were reviewed and approved by their technical team, allowing the development process to commence.
The development process then began by selecting a technology stack capable of delivering fast, accurate, and reliable on-device image recognition while ensuring accessibility and offline performance. Tesseract OCR was used during the training phase of the AI model to support robust text and pattern recognition for Indian currency notes.
For the Android application, Java was used as the core programming language, supported by AI-driven models built using TensorFlow for real-time currency recognition, with SQLite enabling lightweight local data storage.
The iOS application was developed using Swift, leveraging TensorFlow-based AI models to ensure consistent recognition accuracy and performance across Apple devices. This technology foundation enabled secure, efficient, and scalable processing directly on the device, eliminating dependency on network connectivity.
To ensure reliable offline performance, the app was designed to function without internet connectivity. Since it could not learn in real time, Daffodil trained the AI models specifically for offline usage. A proprietary dataset of over 150,000 images of Mahatma Gandhi Series and Mahatma Gandhi (New) Series banknotes was created, covering denominations of ₹10, ₹20, ₹50, ₹100, ₹200, ₹500, and ₹2,000.
The dataset captured variations in orientation, lighting conditions, partial or half-folded notes, camera types, and backgrounds to maximize recognition accuracy. Using Artificial Intelligence (Optical Character Recognition), these images were fed into machine learning models. To expedite development and maintain precision, transfer learning was employed, leveraging pre-trained ImageNet models. Features learned from ImageNet were applied to the custom banknote dataset, enabling the models to quickly and accurately classify currency notes by denomination. Once trained, the models were converted into mobile-optimized formats to ensure efficient offline execution, with automatic flashlight adjustment for low-light conditions.
Additionally, the development plan incorporated security protocols, such as vulnerability. The application underwent rigorous testing to ensure reliability, security, and performance. Vulnerability Assessment & Penetration Testing (VAPT) and Static Application Security Testing (SAST) were implemented to identify and mitigate potential security and performance vulnerabilities at both code and system levels.
Additionally, the app was tested across multiple real-world scenarios, including varying lighting, half-folded notes, and different device environments, to validate the accuracy and robustness of currency recognition. Cloud services such as AWS S3 for image storage and EC2 for scalable computation were integrated into the development workflow, secured via AWS Identity and Access Management (IAM), to optimize both cost and performance during training and testing phases.
In response to diverse linguistic needs, our solution features voice commands and voice overs in 11 regional languages. When users open the app, they are presented with an intuitive menu displaying language options, each one being clearly announced. Users can effortlessly choose their preferred language using simple verbal instructions.
Let’s consider a native Punjabi speaker using this application. They have the flexibility to opt for Punjabi as their preferred language setting. As they scan a currency note, the app delivers a clear and audible announcement of the denomination value in Punjabi. This inclusive feature is designed to accommodate users from diverse regions, allowing them to seamlessly navigate the app in their chosen language.
To enhance accessibility further, the application includes a greeting audio file that guides visually impaired users through its features and usage instructions. However, integrating this audio file was challenging due to its large size. For maintaining uninterrupted offline functionality, it was imperative to uphold a minimal application size.
Our team adeptly resolved this issue through meticulous optimization, allowing the application to offer a seamless user experience while maintaining its compact design and essential features.
For people with hearing and visual impairments, the app has a predefined number of vibrations for different denominations; one vibration for Rs. 5, two vibrations for Rs. 10, three for Rs. 20, four for Rs. 50, five for Rs. 100, six for Rs. 200, seven for Rs. 500 and eight for Rs. 2,000. If the app fails to recognize the denomination, it triggers a prolonged vibration and prompts the user to rescan the note.
Acknowledging the varied needs of our users, the application includes an additional feature, “No impairment”, catering to partially or color-blind individuals. This feature allows users to opt out of the TalkBack functionality, providing a simpler and more flexible interaction method, regardless of their visual capabilities.
The app simplifies user interaction by enabling support requests and feedback submissions via SMS or missed calls, both seamlessly embedded within the app and managed with expertise by Team Daffodil in the backend. To streamline this process, a dedicated dashboard was developed, allowing the support team to monitor and address reported issues and suggestions. These valuable inputs are utilized to continually enhance the application’s functionality.
Designed to deliver real-world accessibility at a national scale, the MANI app has created a measurable impact for visually and hearing-impaired users across India. It enables accurate recognition of Mahatma Gandhi Series and Mahatma Gandhi (New) Series currency notes, ₹10, ₹20, ₹50, ₹100, ₹200, ₹500, and ₹2,000, even when scanning the front, back, or partially folded notes under normal, low-light, and daylight conditions.
Accessibility is reinforced through audio notifications in up to 11 Indian languages and non-sonic vibration patterns, supporting users with dual sensory impairments. The application also enables voice-activated navigation via Siri and TalkBack, allowing independent use across supported devices and operating systems.
The system operates fully offline, with automatic flashlight optimization for low-light environments. Advanced image processing delivers currency recognition in under 1.5 seconds, ensuring fast, dependable transactions in everyday scenarios.
Together, these capabilities have significantly improved financial accessibility, independence, and user confidence. The solution has scaled to over 1 million users, with positive validation from the Reserve Bank of India (RBI) confirming its effectiveness, reliability, and inclusive impact.
1M+
Downloads
99.9%
Accuracy
150,000
Data Set Images
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