ICICI Bank-Strategy to reach 100 lacs mobile banking users
Today’s post is inspired by ICICI Bank’s
faith in Indian banking customers to opt for Digital Banking.
Today ICICI Bank unveiled its new version of
Mobile Banking christened ‘iMobile’.
The highlight of iMobile is the access to 110+
services.
The bank is pulling out all stops to increase
its mobile banking users from the 50 lac mark to the 100 lacs mark. The internal
target to reach 100 lacs user base is this year end.
The new features have been introduced after
intense customer feedback.
Top features of the 110 iMobile
services:-
Dashboard:
Upload
Personalised Photo – In order to provide personalised experience, now users can
upload photo through this feature which will display on Dashboard.
Hamburger
– Grouping of all quick links through Hamburger (left panel) for easy
accessibility
Search
– Introduced Search feature on Dashboard for easy navigation. Users can search
any services available in the app by using this tab from Dashboard.
Favourite
Transactions – Users can mark any transactions as Favourites post completing
the same. They can use this feature to transact fast in future without entering
same details again
Investments
& Insurance – Users will be able to view their linked General Insurance and
Life Insurance policy and also be able to pay premium through new iMobile.
Offers
– Introduced a separate offer zone where users will find all offers at a single
place.
Apply
Now – Users can apply for various new products by using Apply Now tab
Accounts & Deposits:
Linking
of Accounts – Now users will be able to link their various accounts /
relationships by using Account Linkage feature.
Passbook
– Users will be able to get access to their account statement by using Passbook
feature incorporated within the new iMobile.
E-mail
Statement with Export to PDF – Now users will get an option to send statement
on their e-mail ID as well as export it to PDF.
Funds Transfer:
RTGS
- Users can transfer funds through RTGS now.
Pay
To Contacts - By using this feature now users can transfer funds to their
contacts or any other mobile number just by entering payee's mobile number /
e-mail ID.
Cardless
Cash - Users can use Cardless Cash services through new iMobile wherein users
can transfer funds to Beneficiary, even though Beneficiary does not have any
Bank Account.
Schedule
Transaction - Now users can schedule their transactions through New iMobile
channel.
Bill Payment:
Registration
of new biller – Register a biller for bill Payment
Set
A Reminder – Providing a feature to Set up a Reminder for any Bill Payment
transaction.
Services:
Card
Blocking – New iMobile provides blocking of debit card / credit card feature to
users for handling emergency situation.
iTrack
– Users can track their deliverables by using Track Your Deliverables services
available in new iMobile.
iLoans
– Users can View Loan Summary, Access IT Certificate, EMI Schedule etc. by
using new iMobile
Chat
– To provide online assistance to our users within the app, we have provided
Online Chat services through which users can communicate with our Customer
Service Associate
One
of the major concerns about users would be the security aspects.
To
safeguard account information and transactions, a number of security features
have been built into iMobile:
- Secure Login - Mobile Banking via iMobile app requires secure login for access. No one is able to access your account information without knowing your unique USER ID and Password.
- Data Encryption - Only limited information such as
account numbers, and nicknames of your payees and billers are stored
locally on your mobile device. All other account-related data resides at
ICICI Bank - just as with Internet Banking. All data placed into local
storage on the mobile device is encrypted.
- No Identifiable Information – SMS texts or alerts from ICICI Bank never include any personally identifiable information, such as customer’s full account number, email address or mobile number.
- Grid Card
Authentication - All
financial transactions are accepted after entering the grid values on the
reverse of your debit card for a final confirmation.
As a promotional offer, on activation of
ICICI Bank Internet Banking or iMobile, bank customers will get a free* watch
from Provogue.
Please note that this offer is valid till
stock lasts. Offer valid from June 05 to July 31, 2015. Of course, *Rs. 299
shipping and handling charges is payable to Provogue.
Apart from the volumes, ICICI Bank is also
aiming to grow the transaction value through the mobile banking channel by up
to 500 per cent over last year's Rs 16,000 crore.
Link
to the
complete list of services and ways to avail them in the iMobile app.
Back
on popular
demand.
I am eagerly waiting for the next launch
by other private sector banks.
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