We acknowledge the transformative power of digital technology in achieving scalability and enhancing customer satisfaction. By leveraging digital solutions, we are tailoring customer journeys and elevating their experience at every touchpoint. Harnessing strategic collaborations with innovative tech providers, we are bolstering our digital capabilities, resulting in improved efficiency, quicker processing times and intelligent underwriting for enhanced credit quality and customer loyalty.
To stay ahead of the curve, we incorporate cutting-edge technologies across our operations. We are exploring blockchain, artificial intelligence, machine learning and IoT-based solutions to deliver seamless banking experiences. By leveraging these futuristic technologies, we strive to redefine banking services, empowering our customers with innovative and secure solutions for their financial needs.
150+ Services Offered through the Dlite App
Integrated with IRCTC for ticket booking
NRE/NRO e-DL
Auto-fill OTP for iOS Devices
End-to-end digital onboarding through AOS for both NTB and ETB
Bank has made it easy to open savings bank accounts (SB) digitally. Customers can now open SB accounts at their doorsteps through our tablets, or they can open them digitally through our DLite app.
Current Accounts pertaining to individuals and Sole Proprietary concerns can be opened digitally through assisted mode based on E-KYC and E-Sign basis.
A Term Deposit account can be opened in less than 30 seconds through our DLite app. Similarly, loan against FD can be availed through app in a jiffy.
We ensure information security and privacy in the DLite App by implementing measures such as validating registered mobile/email, utilising login and transactional M-PINs, establishing secure communication with the bank server, implementing SIM/device binding, promoting the use of the latest app version and enabling database redaction to protect sensitive data fields.
Key highlights for FY23
Our Digital Loan Origination System (LOS) is designed to cater to the diverse needs of the retail, commercial and MSME segments. By embracing digital lending, we have streamlined the loan processing journey, making it possible for loans to be disbursed within minutes. Through seamless integration with various APIs, we verify customer trustworthiness swiftly, enabling faster loan approvals. With online documentation and biometric e-signatures, the entire process is simplified. Leveraging robust business rule engine (BRE) and data-driven scorecards, we have successfully reduced delinquency rates and implemented automated onboarding rejection and deviation channels.
We value data security and maintain compliance with the highest standards as an ISO 27001-certified company. ISO 27001 provides us with comprehensive guidelines to ensure data security, integrity and accuracy. We assure our customers that their information is handled safely by implementing robust security policies and measures. With our Information Security Management System (ISMS) controls in place, we provide our customers with complete transparency in how we manage their data, fostering utmost security across people, processes and technology within our organisation.
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