ICICI Bank 2016 Annual Report Download - page 3

Annual Report 2015-2016 1
Digital technology is transforming the way we lead
our lives today. The banking and financial services
industry is a clear representation of this transformation.
Consumers are more mobile than ever before and
expect services to be available at the time and place
of their choice.
At ICICI Bank, we have always realised this need of our
customers and developed technology-led offerings to
deliver a seamless banking experience at all places of
their choice, be it ‘their place’, ‘our place’ or while they
are ‘on the move’.
Our consistency and speed in introducing these
offerings has been recognised at various national
and international forums, through the years. Our zeal
to improve the banking experience for customers
continues to drive us to innovate and carry forward our
leadership in delivering banking services using cutting-
edge technology.
LEADERSHIP THROUGH
TECHNOLOGY...
The banking experience at our branches today is
a confluence of personalised human connect and
technology-enabled services. Wait times are now
history with customers either servicing themselves
at Insta Banking kiosks or pre-processing part of their
transactions on their iMobile app in advance. Smart
Vault, our state-of-the-art locker facility, uses robotic
technology to enable customers to access their
valuables 24x7, with multi-layer security systems
using biometrics. These services represent seamless
integration of the digital and physical.
Recent advances in telecommunications have made
today’s world an ‘always connected world’ where
people demand and consume products and services
on the move. At ICICI Bank, we have always leveraged
technology effectively to stay ahead of customer
needs. iMobile, the first mobile banking application
of the country was launched in 2008, way before
smartphones were widely embraced, and continues
to be the most comprehensive mobile banking app
in the country. Pockets, launched just over a year
ago, is India’s first and largest digital wallet launched
by a bank.
...AT OUR PLACE...ON THE MOVE
...AT YOUR PLACE
...more on page 16
...more on page 18...more on page 12
Be it home or office, over the years, we have
successfully brought banking closer to the customers,
at their place of choice. Our sales officers visit
customers and use tablets to open their bank
accounts. This service was an industry first and is
now almost an industry standard. Innovations like
Express Home Loans, where customers get their
home loan sanctioned online within eight hours, shift
the paradigm completely for a process that has always
been considered cumbersome. Banking at the place
of your choice was never so easy and simple.