LoRa technology is a wireless modulation technique in the physical layer, allowing long-range communication using chirp spread spectrum. This technology uses dedicated radios, which are not usually present in end-user devices, limiting interferences from other devices.
The Institute for Development and Research in Banking Technology (IDRBT) an arm of the RBI has developed a new dedicated low-cost financial network based on LoRa technology. It can be used privately by banks to send encrypted texts to conduct financial transactions.
Banks can use this as their own dedicated private network instead of using a third party network which are presently based either on satellite link or wired (fibre). This technology will ensure access to banking services for people living in remote hills and forest areas. With this, India has become the first in the world to develop this network based on LoRa (Long Range Radio) technology.
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