Bank of Baroda mPassbook – 11 New
features please
The
objective of any Banking App is to increase the DIY (Do It Yourself)
transactions / resolve queries.
The
more bank account holders are comfortable with their Banks Mobile Apps / Net
Banking Module, the less will be the burden on physical touch points.
Towards
this end, mPassbook offered by most Public Sector Banks is a good APP
showcasing all the customers financial transactions in their bank accounts.
Banks
have the choice to customise a bit, though the overall features are common
across the public sector banks.
In
the recent years, banking has undergone a massive transformation with UPI /
Fastag / NACH.
Now
it is a good opportunity to relook the features of mPassbook.
In
this regard, Bank of Baroda can take the lead.
Bank of Baroda has grown in size with the merger of Vijaya Bank and Dena Bank with itself.
New Features Please: -
New Feature 01) UPI – Transactions search based on VPA /
mobile numbers
New Feature 02) Report suspicious transactions
New Feature 03) NACH Debit Mandates – View
More @ https://www.bankofbaroda.in/personal-banking/digital-products/instant-banking/e-mandate-registration
New Feature 04) NACH Debit Mandates – Transactions view on UMRN Number
New Feature 05) UPI Debit Mandates - View
New Feature 06) UPI Debit Mandates – Transactions view on UMRN Number
New Feature 07) Debit Card Mandates – View
More @ https://www.bankofbaroda.in/personal-banking/digital-products/debit-card-e-mandate
New Feature 08) Debit Card Mandates – Transactions view on Debit Card Number
New Feature 09) Card Tokenisation – List of Merchants where cards have been
tokenised.
More @ https://www.bankofbaroda.in/personal-banking/digital-products/tokenisation
New Feature 10) Average
Balance by month / Quarter/
New Feature 11) Rewards Points based on usage
7 Opportunities:
Opportunity to boost traffic to
the BOB mPassbook
Opportunity to reduce traffic at
physical branches by account holders for their routine banking enquires.
Opportunity to reduce traffic at call
centre by account holders for their routine banking enquires
Opportunity for feedback from
account holders to fine-tune the BOB mPassbook features
Opportunity to replicate the new
features in BOB overseas subsidiaries ADD COUNTRIES NAMES.
Opportunity to reduce traffic to
the BOB main banking app
Opportunity to rollout BOB mPassbook
to its RRBs (Regional Rural Banks) Baroda-UP Gramin Bank / Baroda Rajasthan
Kshetriya Gramin Bank / Baroda Gujarat Gramin Bank
Opportunity to visualise a Dashboard
on its webpage
Simple Dashboard – Daily Statistics
viz Number of New Logins / Number of Logins
Advanced Dashboard – Drill down
model i.e Module wise
Bank of Baroda is an Indian
state-owned International banking and financial services company headquartered
in Vadodara (earlier known as Baroda) in Gujarat, India. The bank was founded
by the Maharaja of Baroda, Maharaja Sayajirao Gaekwad III on 20 July 1908
Disclaimer: These are my personal
views only. The bottom line is Safe ePayments. Nothing More – Nothing Less.
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