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Probability of New Bank

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asahi

asahi

TF Premier
Lately there’s no news of new banks starting in India, if there is a new bank that’s going to be started based on all customer feedback or customer desired features? What will be your demands? What features or set of operations or rules you want from that bank
 
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Quantum

Quantum

TF Premier
asahi said:
if there is a new bank that’s going to be started based on all customer feedback or customer desired features
Click to expand...

They don't need to reinvent the wheel. They just need to inherit the best of existing ones.
  • App similar to ICICI/IDFC/Axis.
  • Cards similar to HDFC/Axis/Amex.
  • No expiry date of reward points.
  • Freedom to convert the reward points to own choice.
  • Interest rate on saving account similar to DBS and other similar banks or SFBs.
  • Branch service similar to ICICI.
  • Proposes a plan to meet the customer's request/demand instead of a plain rejection. Doesn't lose the human touch and it is considerate of customer's request.
  • Balance or duration of the relationship with the bank should be considered before denying any request. Loyalty must be rewarded.
  • Knowledgeable RMs/BMs/WMs/SMs. Who also understand that they need to cater to the needs of the customer first, and later pitch their products after successfully providing the services for couple of years, and not the other way around.
  • Doesn't require the customer to visit the branch for any modification in any kind of records. Online mode should suffice.
  • No charges for any type of transaction if the minimum balance criteria is maintained. No SMS charges even if the balance is zero.
  • Competitive interest rates on loans.
  • Transparent complaint reporting and progress tracking which is accessible to the customer.
  • Delivers what was promised. Doesn't change TnC on the fly. Doesn't make customer feel cheated. Doesn't act like Axis in this regard.
 
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RishiKiDev

RishiKiDev

TF Ace
Quantum said:
They don't need to reinvent the wheel. They just need to inherit the best of existing ones.
  • App similar to ICICI/IDFC/Axis.
  • Cards similar to HDFC/Axis/Amex.
  • No expiry date of reward points.
  • Freedom to convert the reward points to own choice.
  • Interest rate on saving account similar to DBS and other similar banks or SFBs.
  • Branch service similar to ICICI.
  • Proposes a plan to meet the customer's request/demand instead of a plain rejection. Doesn't lose the human touch and it is considerate of customer's request.
  • Balance or duration of the relationship with the bank should be considered before denying any request. Loyalty must be rewarded.
  • Knowledgeable RMs/BMs/WMs/SMs. Who also understand that they need to cater to the needs of the customer first, and later pitch their products after successfully providing the services for couple of years, and not the other way around.
  • Doesn't require the customer to visit the branch for any modification in any kind of records. Online mode should suffice.
  • No charges for any type of transaction if the minimum balance criteria is maintained. No SMS charges even if the balance is zero.
  • Competitive interest rates on loans.
  • Transparent complaint reporting and progress tracking which is accessible to the customer.
  • Delivers what was promised. Doesn't change TnC on the fly. Doesn't make customer feel cheated. Doesn't act like Axis in this regard.
Click to expand...
Arey bhai bhai bhai!
You should've put the disclaimer - No Indian Banks were harmed in this post.
😂😂😂😂
 
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akshayhs

akshayhs

TF Ace
Quantum said:
They don't need to reinvent the wheel. They just need to inherit the best of existing ones.
  • App similar to ICICI/IDFC/Axis.
  • Cards similar to HDFC/Axis/Amex.
  • No expiry date of reward points.
  • Freedom to convert the reward points to own choice.
  • Interest rate on saving account similar to DBS and other similar banks or SFBs.
  • Branch service similar to ICICI.
  • Proposes a plan to meet the customer's request/demand instead of a plain rejection. Doesn't lose the human touch and it is considerate of customer's request.
  • Balance or duration of the relationship with the bank should be considered before denying any request. Loyalty must be rewarded.
  • Knowledgeable RMs/BMs/WMs/SMs. Who also understand that they need to cater to the needs of the customer first, and later pitch their products after successfully providing the services for couple of years, and not the other way around.
  • Doesn't require the customer to visit the branch for any modification in any kind of records. Online mode should suffice.
  • No charges for any type of transaction if the minimum balance criteria is maintained. No SMS charges even if the balance is zero.
  • Competitive interest rates on loans.
  • Transparent complaint reporting and progress tracking which is accessible to the customer.
  • Delivers what was promised. Doesn't change TnC on the fly. Doesn't make customer feel cheated. Doesn't act like Axis in this regard.
Click to expand...
This is what is called an ideal scenario. In reality, while it can be met, it won't be.
 
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varun__goel_

varun__goel_

TF Legend
VISHESH_BANSAL said:
Pradhan Mantri Suraksha Bima Yojana(PMSBY)

iski bheek mangte Cash Deposit ke liye jao toh🤣
Click to expand...
Ab ye nhi pta konsi hoti h bas 500 mein 10L 1000 m 20L, mein to har bach kar nikal aata hu. Kuch din phle papa gye the unko to phasa liya tha, par unke system m dikha rha phle se ho rkhi h🤣🤣, jabki kuch nhi kraya hua aur ab warn krdiya papa ko bhi ki pgl bnate h inke baato m nhi aana, pta nhi papa ko sbi se itna pyar kyu h🤣🤣. Zabardasti mera acc bhi khulwadiya usm
 
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gauravraj

gauravraj

TF Premier
varun__goel_ said:
Ab ye nhi pta konsi hoti h bas 500 mein 10L 1000 m 20L, mein to har bach kar nikal aata hu. Kuch din phle papa gye the unko to phasa liya tha, par unke system m dikha rha phle se ho rkhi h🤣🤣, jabki kuch nhi kraya hua aur ab warn krdiya papa ko bhi ki pgl bnate h inke baato m nhi aana, pta nhi papa ko sbi se itna pyar kyu h🤣🤣. Zabardasti mera acc bhi khulwadiya usm
Click to expand...
They love sbi , they are like 'aree Bhai Bharat ka sabse bada bank hai thore der line me nhi lg skte'

What I like about them - tnx crore ka bhi hua kisi ko koee matlab nahi, no shit products selling. All they say - wait bas aap kal aaiyega.
 
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