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30/09/2022 Banking Innovation
A cloud based, API driven, stateless web application capable of providing instant “On the go” services on request of the customer while having a seamless and user-intuitive interface.
Innovation details
Country
India
Category
Reimagining the Customer Experience
Keyword
Retail banking

Innovation presentation

MyCards is a progressive web application and marks a significant shift towards customer convenience and customer lifecycle management. The product was envisaged to add convenience, ease of usage, smarter user design into a single, one-stop mobile-friendly service platform for: 1) Credit Card 2) Debit Card 3) FASTAG 4) Consumer Durable Loan 5) Prepaid Card All the above-mentioned payment products involve an array of post-issuance usage in terms of 1) Card Summary and its features, statements etc. 2) Transactions & Rewards 3) Card Control and Limit setting feature 4) Block, unblock, re-issue, instant PIN setting etc. 5) X-sell, up-sell and analyzer services 6) Complaint management and transaction disputes 7) Offers and Gamification 8) Emergency services etc. 9) Pay bills, utility bills etc. 10) Regulatory initiatives & customer interactions The above features across the 5 major products bring MyCards to the forefront as a customer centric platform, revolutionizing the way our customers experience digital banking services The impact of such an engaging, multi-purpose service platform is – Increase card activation and spending Reduces business loss due to card declines Rapid cross-sell and up-sell opportunity for other products 24X7 customer service Complaint management

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