Friday, April 14, 2017

Kerala Gramin Bank – Kerala’s Own Bank unveils ‘DiGi KGB’ Selfie APP

          KGB with 602 branches spread over 14 Kerala districts is slowly spreading the Joy of Safe Banking across Kerala.

          KGB has taken a massive leap into digital banking with the launch of DiGi KGB in the first week of April 2017.

          You can download this App from Playstore. This is first Selfie APP launched by any RRB in India.

          The complete list of Regional Rural Banks can be viewed here

Kerala Gramin Bank (KGB) is a Regional Rural Bank (RRB) formed on 08.07.2013. The bank was formed by amalgamating the two RRBs of Kerala namely South Malabar Gramin Bank and North Malabar Gramin Bank.

The head office of Kerala Gramin Bank is at Malappuram and the sponsor bank is Canara Bank.

Kerala Gramin Bank is the largest Regional Rural Bank in the country with a total business of above Rs. 26,800 Crore and a network of 600 branches spread all over Kerala, serviced by a dedicated team of 3,500 plus staff members.

DiGi KGB is a selfie account opening and m-passbook application that is offered by Kerala Gramin bank. It is a light weight, robust and highly informative app that enables the user to create savings bank account instantly. It also gives complete real time information about all the accounts of the customer.

Kerala Gramin bank is the first Regional Rural Bank in the country to launch a such an app.

The highlights of Digi KGB are:

1) Selfie Account Opening - Instantly open a Savings Bank account by uploading a selfie and images of AADHAAR

2) Mini statements, Balance Enquiry and Passbook of all the accounts, in real time, pertaining to the Customer KGB accounts

3) the ePassbook is locally stored in device, and once downloaded it can retrieved offline at any point of time.

4) Another unique feature is the provision for the account holder to update user remarks against passbook entries. This feature will enable faster reconciliation of the bank enteries and also encourage account holders to transact through DiGi KGB.

5) Customers can locate ATMs or KGB branches through ‘Locate Me’, GPS feature or by manual search option.

6) Standard Interest calculators for Fixed, Cumulative, Recurring Deposits.

7) Loan EMI calculator.

5 Points through which KGB can encourage potential customers  to become KGB customers via DiGi KGB

Point No 01) – Run conversion campaigns at its 600 plus branches

Point No 02) – Enable limited time free WiFi at its 600 plus branches for download of DiGi KGB App and become a KGB customer on the spot.

Point No 03) -  Offer Limited Time sign up bonus for potential customers to download  DiGi KGB App and sigh up for KGB accounts.

Point No 04) – Explore synergies with NPCI BHIM App especially from the rewards angle

Point No 05) – Highlight the DiGi KGB app on its webpage, as the same is still not highlighted on its webpage.

Another interesting App by Kerala Gramin Bank is “Little KGB”

The “Little KGB”, primary target are kids and the main purpose of “Little KGB”, is to inculcate banking and savings habit in children. KGB stands for "Kids Go Banking".

Today's children are more inclined to technology. Hence at Kerala Gramin Bank, Team KGB decided to embrace the medium of smart phone to reach out to children.

The chief character in “Little KGB”, is NOTEY,a naughty boy who becames a coin by the ire of a wizard. During his journey he meets children of different walks of life. He guides them to savings and guides them regarding the different benefits of banking.

Every story ends with some questions about the story. User needs to answer the simple questions to continue to the next story.

Little KGB is available in both Malayalam and English. In the near future, KGB Team along with OrisysIndia team plan to introduce more fun and frolic in the app in the days to come.

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