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Hot Tech Trends Across 16 Industries

INSIGHTFUL YEARS

Best of Tech 2022

YONO@SBI

YONO (You Only Need One) is an integrated digital banking platform offered by State Bank of India (SBI) to enable users to access a variety of financial and other services such as flight, train, bus and taxi bookings, online shopping, or medical bill payments. YONO is offered as a smartphone app for both Android and iOS (Wikipedia). It is a holistic service platform that demonstrates the adoption of emerging Hot Tech Trends as discovered by our research. It is an End to End Service Delivery Platform spanning segments and product and service categories, delivering through Omni Channels; leveraging Broad-based use Digital (AI, ML, IoT, and Blockchain); and across the Customer Life Cycle. It also supports an Ecosystem that connects over 100 eCommerce companies to create a Marketplace of financial and non-financial products and services.

“During FY2018, we launched an integrated omni-channel digital platform YONO as an integral part of our digital drive. This is India’s first fully digital service platform designed to facilitate banking as well as lifestyle needs of our customers through an all encompassing B2C marketplace. Apart from banking services, the application is designed to offer other financial products including investments, insurance and credit cards.”

“Launched in 2019, YONO Krishi possesses features such as Agri gold loan, YONO Mandi and YONO Mitra. The application caters to the banking needs of farmers. To handle high volume and low ticket loans in the Agri business optimally through a digital strategy, we are exploring opportunities to enter into partnerships with selected Agri-techs who have differentiated business model that will help in facilitating the transformation of the Agri supply chain to improve farm production opportunities for the farmers with the use of digital tools such as Artificial Intelligence (AI), Blockchain, IoT (Internet of Things) and ML-powered capabilities.”

“Your Bank has kept in mind the customer’s convenience with Ease of Banking and has offered these variants through YONO - PAPL (Pre-Approved Personal Loan), PAXC (Pre-Approved Xpress Credit), PAPNL (Pre-Approved Pension Loan), INSTA Top-up for Xpress Credit and Insta Top-up for Pension Loan. For our corporate customers, a Unified Corporate Banking setup - YONO Business providing Single Sign-On for customers to access five applications viz CINB, CMP, SCFU, e-Trade and e-Forex was launched. Additionally, new to digital customers were provided online onboarding of CINB, e-Trade and e-Forex.”

“Your Bank’s yonoBUSINESS offering for MSMEs, Corporate and Government customers is designed to focus on three pillars of the digital transformation: i) One Bank One Platform, building an omni-channel digital platform integrating CMP, Corporate INB, e-Trade, e-Forex and Supply Chain Finance under Single Sign On ii) Digital bank offering seamless end-to-end digitised customer journeys iii) New Age Banking to future proof the technology priorities such as API banking.”

Hot Tech Trends Across 16 Industries

Coeus Age

An Introduction

We are a fast growing research and consulting organization that is continuously developing actionable insights for the business and government leaders build value amid digital disruption

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INSIGHTFUL YEARS

Best of Tech 2022

DX@Bandhan Bank

Bandhan Bank is planning a big DX initiative by adopting a 10 points agenda, which can serve as a holistic template of set of requirements for undertaking a technology transformation. It spans infrastructure, applications, APIs, agile development, omni channel, innovation, process automation, advanced data analytics, and a supporting culture.

“With ever increasing usage of smart devices, improved connectivity and demand for high-end user experience, your Bank is undergoing rapid modernisation to take services to the customer’s doorstep. Your Bank’s strategy will be to focus on building differentiated front-end layer, platform layer and intelligence layer using data to deliver superior banking value and experience continually across all customer lifecycle. As a part of Digital transformation roadmap, your Bank has started work on the following key areas by leveraging technology and data analytics at its core –

1. Modernise architecture to ensure decoupling of channels from applications, agility of operations, vertical and horizontal scalability, and harnessing the power of data for driving personalisation, at scale.

2. Intelligent infrastructure to ensure high availability, performance and scalability for digital banking propositions.

3. Refreshing the application stack to bring in the best of breed applications.

4. Re-imagining and revamping the user journeys to ensure cutting edge omnichannel experiences.

5. Continuous improvement in digital assets with an iterative approach.

6. Innovation through POCs within the Bank and in partnership with FinTech, BigTech and online consumer companies.

7. Improving productivity for front line and improve operational efficiency at back office.

8. Leverage data and advanced analytics capabilities to deliver hyper personalised experience, at scale.

9. Build open API stack to ensure partnerships across mutually value creating ecosystems.

10. Build the right talent with right capabilities and enabling culture to deliver the best digital banking proposition to our customers.”

Knowggets = Knowledge Nuggets!

Hot Tech Trends Across 16 Industries

Best of Tech 2022

Analysts’ Team

Dr. Kapil Dev Singh is the Founder & CEO, Coeus Age.

He has over two decades of rich experience and has headed IDC in India for close to eight years as the Country Manager. He has been tracking the ICT industry for 21 years now.

Dr. Singh is currently spearheading path breaking research on digital enterprise and new technologies. He is passionate about driving a new discourse among the contemporary business leaders on managing business in the digital age.

Dr. Singh is an engineer, and an MBA. He is also a doctorate from Management Development Institute, Gurgaon, India. He regularly writes blogs and articles, which are read by business leaders across the globe.

Dr. Kapil Dev Singh has authored several books, including – Looking Inward, CIO Leading Change, The Platform Edge, LEADDDING, 41 Gems of Digital India, THRIVING IN A DATA ECONOMY, 51 Gems of Digital India, and The Growth Planner.

Neet Parekh Alisha Jain Marina Raju Vaishnavi Devi S Isha Sharda

Shyam Sampat Prasanna Kulkarni Samson Philipose Aayushi Ahlawat Parag Soni Amulya Jain

INSIGHTFUL YEARS

INSIGHTFUL YEARS

Best of Tech 2022

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