User Manual Oracle Banking Digital Experience Mobile Banking

User Manual Oracle Banking Digital Experience Mobile Banking
Oracle Banking Digital
Experience
Mobile Banking User Manual
Release 15.1.0.0.0
Part No. E66313-01
October 2015
Mobile Banking User Manual
October 2015
Oracle Financial Services Software Limited
Oracle Park
Off Western Express Highway
Goregaon (East)
Mumbai, Maharashtra 400 063
India
Worldwide Inquiries:
Phone: +91 22 6718 3000
Fax:+91 22 6718 3001
www.oracle.com/financialservices/
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User Manual Oracle Banking Digital Experience Mobile Banking
ii
Table of Contents
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
Preface ................................................................................................................................................. 4
Transaction Host Integration Matrix ................................................................................................. 5
Introduction ......................................................................................................................................... 9
Pre-Login Transactions ................................................................................................................... 10
Login / Logout................................................................................................................................... 12
Login – IAM ....................................................................................................................................... 14
Register for Online Banking ............................................................................................................ 21
Open New Account........................................................................................................................... 32
Manage Profile .................................................................................................................................. 43
Manage Profile –(IAM) ................................................................................................................... 46
Security Questions ....................................................................................................................... 50
Subscribe / Unsubscribe Banking Channel ............................................................................... 53
Set any Transaction as Favorite .................................................................................................. 59
Notifications................................................................................................................................... 61
Alert Subscription ......................................................................................................................... 69
Cheques ......................................................................................................................................... 83
Account Inquiries .......................................................................................................................... 93
Loans ............................................................................................................................................ 108
Financing Details ........................................................................................................................ 119
Mutual Funds ............................................................................................................................... 126
Credit Cards ................................................................................................................................. 153
Term Deposits ............................................................................................................................. 166
Contract Deposits ....................................................................................................................... 197
Budget Management ................................................................................................................... 203
Goal Setting ................................................................................................................................. 208
Spending Analysis ...................................................................................................................... 231
Benchmarking ............................................................................................................................. 238
Beneficiary Maintenance ............................................................................................................ 244
Transfers ...................................................................................................................................... 257
P2P Payments.............................................................................................................................. 282
Bill Payment ................................................................................................................................. 299
Transaction Password ................................................................................................................ 308
Transaction Activities ................................................................................................................. 310
Authorization of Transactions ................................................................................................... 315
Forex Rate Inquiry ....................................................................................................................... 318
Calculators ................................................................................................................................... 321
ATM Branch Locator ................................................................................................................... 337
Offers ............................................................................................................................................ 340
User Manual Oracle Banking Digital Experience Mobile Banking
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Preface
1.
Preface
1.1
Intended Audience
This document is intended for the following audience:

Customers

Partners
1.2 Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility Program
website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.
1.3
Access to OFSS Support
https://support.us.oracle.com
1.4 Structure
This manual is organized into the following categories:
Preface gives information on the intended audience. It also describes the overall structure of the
User Manual
Transaction Host Integration Matrix provides information on host integration requirements for the
transactions present in Oracle Banking Digital Experience Mobile Banking.
The subsequent chapters are dedicated sets of related transactions present in the application.
Each transaction is explained in the following manner:

Introduction to the transaction

Screenshots of the transaction
The images of screens used in this user manual are for illustrative purpose only, to provide
improved understanding of the functionality; actual screens that appear in the application may vary
based on selected browser, theme, and mobile devices.

Procedure containing steps to complete the transaction- The mandatory and conditional fields of
the transaction are explained in the procedure.
If a transaction contains multiple procedures, each procedure is explained. If some functionality is
present in many transactions, this functionality is explained separately.
1.5 Related Information Sources
For more information on Oracle Banking Digital Experience Release 15.1.0.0.0, refer to the
following documents:

Oracle Banking Digital Experience Licensing Guide

Oracle Banking Digital Experience Installation Manuals
User Manual Oracle Banking Digital Experience Mobile Banking
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Transaction Host Integration Matrix
2.
Transaction Host Integration Matrix
Legends
NH
No Host Interface Required.

Host Interface to be developed separately.

Pre integrated Host interface available

Pre integrated Host interface not available
Y
Yes
N
No
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
Pre-Login Transaction
NH
NH
Y
Log In
NH
NH
Y
Log Out
NH
NH
Y


Y


Y
Manage Profile
NH
NH
N
Change Password
NH
NH
Y
Forgot Password
NH
NH
Y
Favorites
NH
NH
Y
View Application Status


Y
Service Request (Credit
Card Hotlisting)
SR
SR
Y
Account Activity


Y
Account Details


Y
Account Summary


Y
Ad-hoc Account
Statement Request


Y
Register for Online
Banking
Open New Account
User Manual Oracle Banking Digital Experience Mobile Banking
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Transaction Host Integration Matrix
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
Cheque Book Request


Y
Cheque Status Inquiry


Y
Stop /Unblock Cheque
Request


Y
Loan Details


Y
Loan Top Up


Y
Financing Details


Y
Mail Box


Y
Reminders


Y
Alerts


Y
Alerts Registration


Y
Exchange Rate Inquiry


Y
Buy Mutual Fund


Y
Redeem Mutual Fund


Y
Portfolio


Y
Switch Mutual Fund


Y
Order Status


Y
Budget Calculator
NH
NH
Y
Budget History
NH
NH
Y
Compare Budget
NH
NH
Y
Compare Goals
NH
NH
Y
Compare Spend
NH
NH
Y
Create Goal


Y
Edit Goals


Y
Fund Goal


Y
NH
NH
Y
Goal Calculator
User Manual Oracle Banking Digital Experience Mobile Banking
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Transaction Host Integration Matrix
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
NH
NH
Y
Redeem Goals


Y
Request for Contribution
to Goal


Y
Set/Modify Budget
NH
NH
Y
Share Goal


Y
Transaction - Goals


Y
View Goals


Y
NH
NH
Y


Y
NH
NH
Y


Y
Own Account Transfer


Y
Internal Account
Transfer


Y
Domestic Account
Transfer


Y
International Account
Transfer


Y
Scheduled Transfers


Y


Y


N


Y


N


Y


Y
Participants - Goals
(Add/Deregister)
Expenses vs Budget
Spend Analysis
Beneficiary
Maintenance
Quick Pay
P2P Beneficiaries
Peer to Peer NFC
Payment
Peer to Peer Payment
Peer to Peer QR Code
Pay Bill
Register Biller
User Manual Oracle Banking Digital Experience Mobile Banking
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Transaction Host Integration Matrix
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
NH
NH
Y


Y
Redeem Term Deposit


Y
Term Deposit Details


Y
Term Deposit Top Up


Y
Contract Term Deposits
View


Y
Credit Card Details


Y
Credit Card Statement


Y
Credit Card Payment


Y
Transaction Activities
NH
NH
Y
Transactions to
Authorize
NH
NH
Y
Transaction Password
Behavior
NH
NH
Y
Security Questions
NH
NH
Y
Subscribe/Unsubscribe
Banking Channel
NH
NH
N
Calculators
NH
NH
Y
ATM / Branch Locator
NH
NH
Y
Offers
NH
NH
N
Delete Biller
Open Term Deposit
User Manual Oracle Banking Digital Experience Mobile Banking
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Introduction
3.
Introduction
This Mobile Banking user manual describes all the functionalities of the Oracle Digital Banking
Experience application, which are available through the mobile access point.
The user interface of the mobile banking may vary depending on the mobile device through which
it is accessed. The screenshots included in this Mobile Banking user manual are for reference
purpose and are taken from a browser supporting JavaScript on an Android mobile device.
User Manual Oracle Banking Digital Experience Mobile Banking
9
Pre-Login Transactions
4.
Pre-Login Transactions
These are the transactions that you can perform without logging into the application. These
options are available on the Home screen.
To access pre-login transactions
1.
Enter the provided URL for OBDX application.
The initial Home screen appears.
Home
2.
Tap each transaction from the home screen to access the transaction.
You can perform these pre login transactions:

Contact Us: You can view the contact details of the bank.

Find Us: You can search ATMs and bank branches across any location. It also displays maps
along with the ATM Bank Branch address. Please refer ATM Branch Locator section for further
details.

P2P Payments: You can make Peer to Peer Payment through different modes such as email,
Facebook and NFC (Near Field Communication).

Offers: You can view various offers available. Please refer offers section for further details.
User Manual Oracle Banking Digital Experience Mobile Banking
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Pre-Login Transactions

Products: You can view various personal and corporate products offered by bank.

Calculators: You can use various types of calculators like Loan Calculator, Savings Calculators
etc. Please refer Calculators section for further details.

Goals: You can create, modify or delete financial goals in the application. Please refer Goal
Setting section for further details.

FAQs: You can view the frequently asked questions about the application.
User Manual Oracle Banking Digital Experience Mobile Banking
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Login / Logout
5.
Login / Logout
5.1
Login
You can enter the username and password assigned to you to log on to the application in the
Login screen.
The home screen or landing page appears when you log on to the application.
To log on to the OBDX application
1.
Enter the provided URL for OBDX application.
The initial home screen appears.
2.
Tap Log in.
The login screen of the application appears.
Login
3.
In the Username field, enter your username for the application.
4.
In the Password field, enter your password for the application.
5.
Tap Login.
The Total Position screen appears.
User Manual Oracle Banking Digital Experience Mobile Banking
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Login / Logout
Total Position
6.
Tap
on any screen of the application.
The Total Position screen appears.
User Manual Oracle Banking Digital Experience Mobile Banking
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Login – IAM
6.
Login – IAM
6.1
Login
You can enter the username and password assigned to you to log on to the application in the
Login screen.
The home screen or landing page appears when you log on to the application.
To log on to the OBDX application
1.
Enter the provided URL for the OBDX application.
The initial home screen appears.
2.
Tap Log in.
The login screen of the application appears.
Login
3.
In the Username field, enter your username for the application.
4.
In the Password field, enter your password for the application.
5.
Tap Login.
The Login - IAM screen appears.
User Manual Oracle Banking Digital Experience Mobile Banking
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Login – IAM
Login - IAM
6.
In the User Name field, enter your user name for the application.
7.
In the Password field, enter your password for the application.
8.
Tap Sign In.
The Total Position screen appears.
User Manual Oracle Banking Digital Experience Mobile Banking
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Login – IAM
6.2
Forgot Password
Using this option, you can reset the login and/or transaction password without signing in the
application.
To change the password
1.
Tap the Forgot User ID/ Password link in Login screen.
The Forgot Password screen appears.
Forgot Password
2.
Tap the required tab based on your customer type.
For example, tap the Existing Customer tab.
3.
In the User ID field, enter your User ID.
OR
Enter your email address if you are a registered customer.
4.
Tap Submit.
The OTP Verification screen appears.
OTP Verification
Field Description
Field Name
Reference Number
Description
[Display]
Displays the reference number of the transaction.
Enter One Time
Password
[Alphanumeric]
Indicates the One Time Password you received on your registered
mobile number.
5.
In the Enter One Time Password field, enter the One Time Password you received on your
registered mobile number.
6.
Tap Submit.
The Forgot Password screen appears.
OR
Tap Resend OTP to receive the OTP again.
OR
Tap Back.
The Forgot Password screen appears.
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Login – IAM
Field Description
Field Name
Channel
Description
[Display]
Displays the channel that you have selected.
User Id
[Display]
Displays your User ID in the application.
Password Type
[Mandatory, Drop-Down]
Indicates the type of the password that you want to retrieve.
New Password
[Mandatory, Alphanumeric ]
Indicates the new password as the password policy.
Confirm New
Password
[Mandatory, Alphanumeric ]
Password Policy
[Display]
Indicates the new password as per the password policy.
Displays the password policy for the selected password type.
7.
From the Password Type list, tap the appropriate option.
8.
In the New Password field, enter the new password as per the password policy.
9.
In the Confirm New Password field, re-enter the new password as per the password policy.
10.
Tap Submit.
The confirmation screen appears.
11.
Tap OK.
The initial login screen appears.
6.3
Change Password
Using this option, you can change the login and/ or transaction passwords associated with your
username from within the application. You have to compulsorily change passwords if a forced
reset password policy is configured by the bank for some scenarios.
To change the password
1.
Tap the icon in the Total Position screen appears.
The date and time of your current, last successful and failed logins appear.
2.
Tap Change Password.
The Change Password screen appears.
Change Password
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Login – IAM
Field Description
Field Name
Description
User ID
[Display]
Displays your user ID in the application.
Password Type
[Mandatory, Tab]
Indicates the password word type for which you want to change
the password.
The options are:
Existing Password

Login Password

Transaction Password
[Mandatory, Alphanumeric]
Indicates the existing password associated with your user ID.
New Password
[Mandatory, Alphanumeric Box]
Indicates the new password to be associated with your user ID.
Confirm New
Password
[Mandatory, Alphanumeric Box]
Password Policy
[Display]
Indicates the new password associated with your user ID.
Displays the password policy for the selected password type.
3.
From the Password Type field, tap the appropriate option.
4.
In the New Password field, enter the new password as per the password policy.
5.
In the Confirm New Password field, re-enter the new password as per the password policy.
6.
Tap Submit.
The Change Password Confirm screen appears.
OR
Tap Cancel.
The Total Position screen appears.
7.
Tap OK.
The login screen of the application appears.
6.4
Force Change Password
Force Change Password is the functionality where you have to compulsorily change your
password in the application. This can be login password as well as transaction password,
depending upon the system configuration.
The Force Change Password activity is mandatory for these scenarios:

During first time login
User Manual Oracle Banking Digital Experience Mobile Banking
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Login – IAM

Change in the password policy

Expiry of the password

Password has been reset by the administrator
Note 1: If the system is integrated with IAM, only transaction password can be changed. Change of Login
Password will not be available.
Note 2: For more information about changing your password in the application, see Change Password in
this User Manual.
6.5
Logout
You can log off from the application from any screen of the application.
To log out of the OBDX application
1.
Log in to the OBDX application.
The Total Position screen appears.
Total Position
User Manual Oracle Banking Digital Experience Mobile Banking
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Login – IAM
2.
Tap
on any screen of the application.
The system logs you out successfully from the application.
User Manual Oracle Banking Digital Experience Mobile Banking
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Register for Online Banking
7.
Register for Online Banking
When you access the OBDX application, you can register to the bank site from the application.
If you are a new (unregistered) customer of the bank, you must specify a valid email address and
a login password.
If you are a registered customer of the bank, you must specify your account type with the bank
and enter the related Customer ID, account number and other details as present in the
application.
You must also specify a captcha code in the registration process to help prevent unauthorised
activity.
After registration, you can login to the application. You can access these transactions in the
application after registration:

Open New Account

View Application Status

Register to Receive P2P Payments and Claim P2P Funds

Offers, Coupons and Advertisements - Targeted (based on Interest) & Generic offers

Alerts & Bulletins (based on interest)

Inquiries directly to bank representatives

ATM Branch Locator

Manage User Profile

Tools and Calculator
To register for online banking if you are a new unregistered customer
1.
Tap Register Now on login screen of the OBDX application.
A screen appears to check if you are existing customer of the bank.
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Register for Online Banking
Channel Onboarding
User Manual Oracle Banking Digital Experience Mobile Banking
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Register for Online Banking
2.
Tap No and then tap Continue.
The New Customer registration screen appears.
New Registration Form
User Manual Oracle Banking Digital Experience Mobile Banking
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Register for Online Banking
Field Description
Field Name
Description
First Name
[Mandatory, Alphanumeric]
Indicates the first name of the applicant.
Last Name
[Mandatory, Alphanumeric]
Indicates the last name of the applicant.
Email ID
[Mandatory, Alphanumeric]
Indicates the unique email address of the applicant.
Login Password
[Mandatory, Alphanumeric]
Indicates the Login Password of the applicant.
Confirm Password
[Mandatory, Alphanumeric]
Indicates the Login Password of the applicant.
Secure Code
[Mandatory, Alphanumeric]
Indicates the security code displayed on screen.
3.
In the First Name field, enter the first name of the applicant.
4.
In the Last Name field, enter the last name of the applicant.
User Manual Oracle Banking Digital Experience Mobile Banking
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Register for Online Banking
5.
In the Email ID field, enter the unique email address of the applicant.
6.
In the Login Password field, enter the Login Password of the applicant.
7.
In the Confirm Password field, re-enter the Login Password of the applicant.
8.
In the Secure Code field, enter the security code displayed on screen.
9.
Tap Register.
The acknowledgement screen for the registration appears and a link is sent to your email
address.
10.
Tap OK.
The home screen of the application appears.
You must enter your email address and password to login to the application.
To register for online banking if you are a registered customer
1.
Tap Register Now on login screen of the OBDX application.
The screen appears to check if you are existing customer of the bank.
2.
Tap Yes and then tap Continue.
The Channel Onboarding screen appears.
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Register for Online Banking
Channel Onboarding
Field Description
Field Name
Description
Relationship Type
[Mandatory, Drop-Down]
Indicates your relationship type in the banking application.
The options are:

Savings Account Customer

Credit Card Customer

Deposits / Loans Customer
3.
From the Please select the Relationship with the bank list, tap the appropriate option.
4.
Tap Continue.
The detailed Channel Onboarding screen appears.
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Register for Online Banking
Channel Onboarding
Field Description
Field Name
Description
Customer ID
[Mandatory, Alphanumeric, 20]
Indicates your Customer ID with the bank.
Account Number
[Mandatory, Alphanumeric, 20]
Indicates your account number with the bank.
First Name
[Mandatory, Alphanumeric , 20]
Indicates your first name as displayed in the records with the
bank.
Last Name
[Mandatory, Alphanumeric , 20]
Indicates your last name as displayed in the records with the
bank.
User Manual Oracle Banking Digital Experience Mobile Banking
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Register for Online Banking
Field Name
Description
Date of Birth
[Mandatory, Pick List]
Indicates your date of birth.
Email Id
[Mandatory, Alphanumeric, 100]
Indicates your email address.
Debit Card Number
[Mandatory, Alphanumeric , 20]
Indicates the number of your debit card.
This field appears if you tap the Savings Account Customer
option from the Relationship Type list.
Debit Card PIN
[Mandatory, Alphanumeric , 20]
Indicates the PIN number of your debit card.
This field appears if you tap the Savings Account Customer
option from the Relationship Type list.
Credit Card
Number
[Mandatory, Alphanumeric , 20]
Indicates the number of your credit card.
This field appears if you tap the Credit Card Customer option
from the Relationship Type list.
Name as on Card
[Mandatory, Alphanumeric , 20]
Indicates your name as on the credit card.
This field appears if you tap the Credit Card Customer option
from the Relationship Type list.
Credit Card Expiry
Date
[Mandatory, Pick List]
Indicates the expiry date as mentioned on your credit card.
This field appears if you tap the Credit Card Customer option
from the Relationship Type list.
CVV Number
[Mandatory, Alphanumeric, 3]
Indicates the CVV number as mentioned on your credit card.
This field appears if you tap the Credit Card Customer option
from the Relationship Type list.
Enter Above
Captacha Code
[Mandatory, Alphanumeric , 20]
Captcha image
[Display]
Indicates the text as displayed in the captcha image.
Displays the captcha image.
5.
In the Customer ID field, enter your Customer ID with the bank.
6.
In the Account Number field, enter your account number with the bank.
User Manual Oracle Banking Digital Experience Mobile Banking
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Register for Online Banking
7.
In the First Name field, enter your first name as displayed in the records with the bank.
8.
In the Last Name field, enter your last name as displayed in the records with the bank.
9.
In the Date of Birth field, tap your date of birth.
10.
If you tap the Savings Account Customer option from the Relationship Type list:
a. In the Debit Card Number field, enter the number of your debit card.
b. In the Debit Card PIN field, enter the PIN number of your debit card.
11.
If you tap the Credit Card Customer option from the Relationship Type list:
a. In the Credit Card Number field, enter number of your credit card.
b. In the Name as on Card field, enter your name as on the credit card.
c.
In the Credit Card Expiry Date field, tap the expiry date of your credit card.
d. In the CVV Number field, enter CVV number as mentioned on your credit card.
12.
In the Enter Above Captacha Code field, enter the text as displayed in the captcha image.
13.
Tap Continue.
An OTP (One Time Password) is sent to the email address that you have entered.
OR
Tap Close to close the New Registration screen appears.
Field Description
Field Name
Description
Enter One Time
Password
[Mandatory, Alphanumeric]
Indicates the OTP that you have received on your email address.
14.
In the Enter One Time Password field, enter the OTP that you have received on your email
address.
15.
Tap Submit.
The OTP is validated and the New Registration screen appears for OBDX application.
OR
Tap Resend OTP to receive the OTP again on your email address.
OR
Tap Cancel to cancel the registration process.
New Registration
16.
To register for an OBDX channel, tap the check box next to the required channel.
User ID / Password Setting
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Register for Online Banking
Field Name
Description
User ID
[Mandatory, Alphanumeric]
Indicates the User ID to be used for the selected channel.
Check Availability
[Hyperlink]
Displays the link to check the availability of the User ID
View User ID
Policy
[Hyperlink]
Password
[Mandatory, Alphanumeric]
Displays the link to view the User ID policy in a new window.
Indicates the Login Password to be used for the selected channel.
View Login
Password Policy
[Hyperlink]
Confirm Password
[Mandatory, Alphanumeric]
Displays the link to view the Login Password policy in a new
window.
Indicates the Login Password to be used for the selected channel.
Transaction
Password
[Mandatory, Alphanumeric]
View Transaction
Password Policy
[Hyperlink]
Confirm
Transaction
Password
[Mandatory, Alphanumeric]
View terms and
conditions
[Hyperlink]
I Accept the Terms
and Conditions
[Mandatory, Check Box]
Indicates the Transaction Password to be used for the selected
channel.
Displays the link to view the Transaction Password policy in a new
window.
Indicates the Transaction Password to be used for the selected
channel.
Displays the link to view the terms and conditions in a new
window.
Indicates whether you have accepted the terms and conditions of
use.
17.
In the User ID field, enter your User ID to be used for the selected channel.
18.
Tap the Check Availability link to check the availability of the User ID.\
19.
Tap the View User ID Policy link to view User ID policy.
20.
In the Password field, enter your Login Password to be used for the selected channel.
21.
Tap the View Login Password Policy link to view Login Password policy.
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Register for Online Banking
22.
In the Confirm Password field, re-enter your Login Password to be used for the selected
channel.
23.
In the Transaction Password field, enter your Transaction Password to be used for the selected
channel.
24.
Tap the View Transaction Password Policy link to view Transaction Password policy.
25.
In the Confirm Transaction Password field, re-enter your Transaction Password to be used for
the selected channel.
26.
Tap the View terms and conditions link to view the terms and conditions of use.
27.
To accept the terms and conditions of use, tap the I Accept the Terms and Conditions check
box.
28.
Tap Submit.
The confirmation screen appears.
OR
Tap Cancel to cancel the registration process.
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Open New Account
8.
Open New Account
Using this option, you can apply for an account from the online banking channels. You have to
select an account type/product for which to apply, from a list of product groups.
The following product groups are available in the application:

Saving Accounts

Current Accounts & Overdraft

Credit Cards

Retail Loans

Insurance Products

Business Loans

Trade Loans
To open a new account
1.
Tap Product Showcase panel on the login screen of the application.
2.
Tap the required tab based on your customer type.
For example, tap the Personal tab.
The Products screen for retail accounts appears.
OR
Log on to the OBDX application.
From the Open New Account menu, tap Open New Account.
The Products Showcase screen appears.
OR
Click Cancel.
The previous Products Showcase screen appears.
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Open New Account
Product Showcase
3.
Tap the required product category.
For example, tap Current Accounts.
All products in the Current Accounts category appear.
4.
Tap the required Current Accounts product.
For example, tap Current Accounts Overdraft.
A brief description and features of the product appears.
5.
Tap Apply Now.
A screen to check if you are existing customer of the bank appears.
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Open New Account
Product Showcase
6.
Tap Yes, if you are an existing customer of the bank.
The screen to update your Customer ID and other details with the bank appears.
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Open New Account
Existing customer of bank
Field Description
Field Name
Description
Relationship Type
[Mandatory, Drop-Down]
Indicates the type of relationship with the bank.
The options are:
Credit Card
Number

Savings Account Customer

Credit Card Customer

Only Deposits / Loans Customer
[Mandatory, Alphanumeric , 20]
Indicates your credit card number with the bank.
This field appears if you tap the Credit Card Customer option
from the Relationship Type list.
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Open New Account
7.
Field Name
Description
Customer
Id/Account Number
[Mandatory, Alphanumeric , 20]
Indicates your Customer ID or account number with the bank.
From the Relationship Type list, tap the appropriate option.
a. If you tap the Credit Card Customer option from the Relationship Type list:
i.
In the Credit Card Number field, enter number of your credit card.
b. In the Customer Id/Account Number field, enter your Customer ID or account number with
the bank.
8.
Tap Next.
The screen to update your personal details and preferred date and time of contact appears.
OR
9.
Tap the No tab if you are an unregistered user of the application and then tap Next.
The screen to update your personal details and preferred date and time of contact regarding the
application for the account appears.
10.
Tap Apply Now.
The screen to update your personal details and preferred date and time of contact regarding the
application for the account appears.
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Open New Account
Personal and Contact Details
Field Description
Field Name
Description
First Name
[Mandatory, Alphanumeric]
Indicates the first name of the applicant.
Last Name
[Mandatory, Alphanumeric]
Indicates the last name of the applicant.
Date of Birth
[Mandatory, Pick List]
Indicates the date of birth of the applicant.
Note: This field appears only for prospect customers.
City
[Mandatory, Drop-Down]
Indicates the city in which the applicant resides.
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Open New Account
Field Name
Description
Mobile Number
[Mandatory, Numeric, 15]
Indicates the mobile number of the applicant.
Email Address
[Mandatory, Alphanumeric, 255]
Indicates the email address of the applicant.
Preferred Date of
Contact
[Mandatory, Pick List]
Preferred Time of
Contact
[Mandatory, Drop-Down]
Indicates the date on which bank should contact the customer.
Indicates the preferred time to contact the customer
Note: When you login to the application, all fields except Preferred Date of Contact and Preferred Time
of Contact fields are updated if you have added relevant personal details in the application.
11.
In the First Name field, enter the first name of the applicant.
12.
In the Last Name field, enter the last name of the applicant.
13.
In the Date of Birth field, tap your date of birth.
14.
From the City list, tap the appropriate option.
15.
In the Mobile Number field, enter the mobile number of the applicant.
16.
In the Email Address field, enter the email address of the applicant.
17.
In the Preferred Date of Contact field, tap the date on which bank should contact the customer.
18.
From the Preferred Time of Contact list, tap the appropriate option.
19.
Tap Next.
The sections of the application form for the Current Accounts Overdraft account appear.
Current Account Overdraft - Online Application Form
Field Description
Field Name
Description
Type of
Ownership
[Optional, Drop-Down]
Indicates the type of ownership.
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Open New Account
Field Name
Description
Others
[Optional, Alphanumeric, 50]
Indicates the desired type of ownership.
To enable this field, tap the Others option from the Type of
Ownership list.
Type of Business
[[Optional, Drop-Down]
Indicates the type of business.
Others
[Optional, Alphanumeric, 50]
Indicates the desired type of business.
To enable this field, tap the Others option from the Type of
Business list.
Name of Business
[Optional,, Alphanumeric, 50]
Indicates the name of the business.
Overdraft Limit
Required?
[[Optional, Drop-Down]
Indicates whether the overdraft limit is required.
The options are:
Currency Type

Yes

No
[Drop-Down]
Indicates the desired Currency Type from the system-configured
options available in the dropdown.
Annual Turnover
[Mandatory, Alphanumeric Box, 20]
Indicates the appropriate Annual Turnover value.
20.
Enter the relevant details in the appropriate fields and then tap Next.
The screen to upload documents for the account application appears.
Current Account Overdraft – Upload Documents
Field Description
Field Name
Description
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Open New Account
Field Name
Description
Document Type
[Optional, Drop-Down]
Indicates the type of the document that you want to upload.
21.
Tap Upload File to browse and upload the required documents.
22.
Tap Upload and tap Done once uploading is completed and then tap Next.
The screen for terms and conditions of the account application appears.
Current Account Overdraft – Terms and Conditions
23.
To accept terms and conditions of use, tap the I accept Terms and Conditions check box.
24.
Tap Continue.
The security code appears.
OR
Tap Cancel to view the previous screen.
25.
Enter the security code and then tap Continue.
The Current Account Overdraft - Online Application Form – Verify screen appears.
Current Account Overdraft - Online Application Form – Verify
26.
Tap Confirm.
The Current Account Overdraft - Online Application Form – Confirm screen appears with the
transaction reference number.
OR
Tap Change.
The Current Account Overdraft - Online Application Form screen appears.
Current Account Overdraft - Online Application Form – Submission Message
27.
Tap Ok.
The initial Products screen appears.
OR
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Open New Account
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
Note: Similarly you can apply for accounts in different product categories such as Credit Cards, Loans
and Insurance.
The fields displayed in the account application form depend on the account type.
8.1
View Application Status
Using this option, you can view the status of application for all products that you have applied for
in the application.
To view account application status without logging to the application
1.
Tap Product Showcase panel on the login screen of the application.
2.
Tap the required tab based on your customer type.
For example, tap the Personal tab.
The Products screen for retail accounts appears.
3.
Tap View Application Status to view the status of all your applications for different accounts in
the application.
The View Status screen appears.
4.
Enter the Application Reference Number and your email address.
5.
Tap Submit.
The View Status screen appears with status of all your applications for different accounts in the
application.
To view account application status from the application
1.
Log on to the OBDX application.
2.
From the More menu, and tap Open New Account.
The Products screen appears.
3.
Tap View Application Status to view the status of all your applications for different accounts in
the application.
The View Status screen appears.
View Status
Field Description
Field Name
Description
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Open New Account
Field Name
Product Type
Description
[Display]
Displays the product name (product name within a Product e.g.
Housing Loan, vehicle Loan etc.) being applied for.
User Reference
[Display, Hyperlink]
Displays the reference number of the application.
Displays the hyperlink to view details of the application.
Application
Submitted On
[Display]
Last Updated
[Display]
Displays the date on which application for the account has been
submitted for processing.
Displays the date of last saving.
Status
[Display]
Displays the status of the originated transaction.
Remark
[Display]
Displays the remarks about the application for the account.
4.
Tap the required User Reference link to view details of the application for the account.
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Manage Profile
9.
Manage Profile
Using this option, you can view and modify your user profile maintained at OBDX, from
within the OBDX application.
To manage your profile
1.
From the More menu, tap Customer Services, tap My Profile, and then tap Manage
Profile.
The User Profile screen appears.
User Profile
Field Description
Field Name
Salutation
Description
[Optional, Drop-Down]
Indicates the salutation associated with your name in the
application.
The options are:
Others

Mr

Mrs

Miss

Dr

Professor

Others (Please specify)
[Conditional, Alphanumeric , 35
Indicates any other specific salutation associated with your name in
the application.
This field appears if you tap the Others (Please specify) option
from the Salutation list.
First Name
[Optional, Alphanumeric , 35]
Indicates your first name to be saved in the application.
Middle Name
[Optional, Alphanumeric , 35
Indicates your middle name to be saved in the application.
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Manage Profile
Field Name
Last Name
Description
[Optional, Alphanumeric , 35
Indicates your last name to be saved in the application.
Date of Birth
[Optional, Pick List]
Indicates your date of birth to be saved in the application.
Gender
[Optional, Drop-Down]
Indicates your gender to be saved in the application.
Mother’s Maiden
Name
[Optional, Alphanumeric , 70]
Indicates your mother’s maiden name to be saved in the
application.
Please provide
your Contact
details
Phone Number
[Optional, Alphanumeric , 20
Indicates your phone number to be saved in the application.
Mobile Number
[Optional, Alphanumeric , 15
Indicates your mobile number to be saved in the application.
Verified / Verify
[Display, Hyperlink]
Displays whether your mobile number is verified.
Displays the link to verify your mobile number.
Do you wish to
add your Social
Media profiles
[Display]
Displays this text - Click on the below button to add your social
media profile.
Tap Connect to access the social media webpage.
Profile Name/Add
profile, Change
this profile
[Conditional, Display]
Add your Facebook profile to the application or change existing
Facebook profile.
This field appears if you tap Connect option in the Do you wish to
add your Social Media profiles field.
Do you want to
receive alerts from
us
[Optional, tab]
Indicates whether you want to get alerts and offers from the
application.
The options are:

Yes

No
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Manage Profile
Field Name
Your Interests
Description
[Optional, Check Boxes]
Indicates the products and services offered by the bank for which
you want to receive offers and alerts.
Preferred Mode of
Contact
[Optional, Check Box]
Indicates the mode of contact.
The options are:

Email

Mobile
You can tap more than one option.
Preferred Time for
Receiving Calls
[Conditional, Drop-Down]
Indicates the preferred time for receiving the calls.
This field appears if you tap the Mobile option from the Preferred
Mode of Contact list.
Specify Time
[Conditional, Drop-Down]
Indicates the other preferred time for receiving the calls.
This field appears if you tap the Specify Time option from the
Preferred Time for Receiving Calls list.
2.
Enter the relevant details, if required.
3.
Tap Save.
Your user profile is saved and an acknowledgement screen appears.
OR
Tap Cancel.
The Total Position screen appears.
4.
Tap Ok.
The initial User Profile screen appears.
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Manage Profile –(IAM)
10. Manage Profile –(IAM)
Using this option, you can view and modify your user profile maintained at OBDX, from within the
OBDX banking application.
To manage your profile
1.
From the More menu, tap Customer Services, tap My Profile, and then tap Manage Profile.
The User Profile screen appears.
User Profile
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Manage Profile –(IAM)
Field Description
Field Name
Description
Personal Details
Salutation
[Optional, Drop-Down]
Indicates the salutation associated with your name in the
application.
The options are:

Mr

Mrs

Miss

Dr

Professor
Others (Please specify)
Others
[Conditional, Alphanumeric , 35]
Indicates any other specific salutation associated with your name
in the application.
This field appears if you tap the Others (Please specify) option
from the Salutation list.
First Name
[Optional, Alphanumeric , 35]
Indicates your first name to be saved in the application.
Middle Name
[Optional, Alphanumeric , 35]
Indicates your middle name to be saved in the application.
Last Name
[Optional, Alphanumeric , 35]
Indicates your last name to be saved in the application.
Date of Birth
[Display]
Displays the date of birth that you have entered during account
opening.
Email Address
[Display]
Displays the email address that you have entered during account
opening.
Gender
[Display]
Displays the gender that you have entered during account
opening.
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Manage Profile –(IAM)
Field Name
Description
Mother’s Maiden
Name
[Optional, Alphanumeric , 70]
Indicates your mother’s maiden name to be saved in the
application.
Please provide your Contact details
Phone Number
[Display]
Displays the phone number you have entered during account
opening.
Mobile Number
[Display]
Displays the mobile number you have entered during account
opening.
Do you wish to
add your Social
Media profiles
[Display]
Displays this text - Click on the below button to add your social
media profile.
Tap Connect to access the social media webpage.
Profile Name/Add
profile, Change
this profile
[Conditional, Display]
Add your Facebook profile to the application or change existing
Facebook profile.
This field appears if you tap Connect option in the Do you wish to
add your Social Media profiles field.
Do you want to
receive alerts from
us
[Optional, tab]
Indicates whether you want to get alerts and offers from the
application.
The options are:
Your Interests

Yes

No
[Optional, Check Boxes]
Indicates the products and services offered by the bank for which
you want to receive offers and alerts.
Preferred mode of
contact
[Optional, Check Box]
Indicates the mode of contact.
The options are:

Email

Mobile
You can select more than one option.
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Manage Profile –(IAM)
Field Name
Description
Preferred Time for
Receiving Calls
[Conditional, Drop-Down]
Indicates the preferred time for receiving the calls.
This field appears if you tap the Mobile option from the Preferred
Mode of Contact list.
2.
Enter the relevant details in the appropriate fields.
3.
Click Save button.
The system saves your user profile and displays a pop-up window showing an acknowledgement
transaction.
User Profile - Confirm
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Security Questions
11. Security Questions
Using this option, you can set or modify answers to a set of pre-defined security questions in the
application. You can also change the existing security question information.
The system validates this process with OTP or any other 2- factor authentication supported by the
bank as well as for transaction.
To set or modify security questions
1.
From the More menu, tap Customer Services, tap My Profile, and then tap Security
Questions.
The Set Security Questions screen appears.
Set Security Questions 1
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Security Questions
Set Security Questions 2
Field Description
Field Name
Description
Set Security Questions
Security Question
1 / 2 /3
[Mandatory, Drop-Down]
Enter Answer
[Mandatory, Alphanumeric]
Indicates the security questions.
Indicates the appropriate answers for the respective security
questions.
2.
From the Security Question 1 /2/ 3 lists, tap the appropriate options.
3.
In the Enter Answer fields for the respective security questions, enter the appropriate answers.
4.
Tap Submit.
The Set Security Questions –Verify screen appears.
OR
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Security Questions
Tap Back.
The Total Position screen appears.
Set Security Questions Verify
5.
Tap Confirm.
The 2 Factor Authentication screen or OTP (One Time Password) screen appears
OR
Tap Change.
The initial Set Security Questions screen appears.
Field Description
Field Name
Description
Transaction PIN
[Mandatory, Alphanumeric ]
Indicates the Transaction PIN.
6.
In the Transaction PIN field, enter your Transaction PIN.
7.
Tap Continue.
The Set Security Questions –Confirm screen appears.
OR
Tap Back.
The 2 Factor Authentication screen or OTP (One Time Password) screen appears.
Set Security Questions Confirm
8.
Tap OK.
The initial Set Security Questions screen appears.
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Subscribe / Unsubscribe Banking Channel
12. Subscribe / Unsubscribe Banking Channel
Using this option, you can register for the other OBDX channels from application.
You can deregister or unsubscribe from usage of the particular banking channel from the
application.
To subscribe for a OBDX channel
1.
From the More menu, tap Customer Services, tap My Profile, and then tap Subscribe /
Unsubscribe Banking Channel.
The Your Choice screen appears.
Field Description
Field Name
Description
It is mandatory to tap either Subscribe Channel or Unsubscribe Channel option.
Subscribe
Channel
[Optional, Option]
Un Subscribe
Channel
[Optional, Option]
Indicates that you are subscribing to an OBDX channel.
Indicates that you are unsubscribing from a subscribed OBDX
channel.
2.
Tap the Subscribe Channel option.
3.
Tap Continue.
The Channel Subscription screen appears.
OR
Tap Cancel.
The Total Position screen appears.
Channel Subscription
Field Description
Field Name
Description
Channels
Available
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Subscribe / Unsubscribe Banking Channel
Field Name
Description
Channel Name
[Mandatory, Option]
Indicates the name of the OBDX channel that you want to
subscribe.
Registered
Channels
Channel Name
[Display]
Displays the name of the OBDX channel(s) that you have already
registered and subscribed.
4.
In the Channels Available section, in the Channel Name field, tap the appropriate option.
5.
Tap Continue.
The Channel Subscription screen appears with the User ID and password details for the
selected OBDX channel.
OR
Tap Cancel.
The Your Choice screen appears.
Channel Subscription
Field Description
Field Name
Description
Channel Selected
[Display]
Displays the name of the OBDX channel that you have selected for
subscription.
User ID
[Mandatory, Alphanumeric]
Indicates the User ID that you want to use for the selected
channel.
Check Availability
[Hyperlink]
Displays the link to view the user id availability of the entered user
id for the selected channel.
View User ID
Policy
[Hyperlink]
Displays the link to view the User ID policy set by the bank
administrator for the selected channel.
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Subscribe / Unsubscribe Banking Channel
Field Name
Description
Login Password
[Mandatory, Alphanumeric ]
Indicates the login password that you want to use for the selected
channel.
View Password
Policy
[Hyperlink]
Confirm Login
Password
[Mandatory, Alphanumeric ]
Transaction
Password
[Mandatory, Alphanumeric ]
Displays the link to view the login password policy set by the bank
administrator for the selected channel.
Re-enter the login password that you want to use for the selected
channel.
Indicates the transaction password that you want to use for the
selected channel.
This field appears for all OBDX channels except for the SMS
Banking channel.
View Transaction
Password Policy
[Hyperlink]
Confirm
Transaction
Password
[Mandatory, Alphanumeric ]
Displays the link to view the transaction password policy set by the
bank administrator for the selected channel.
Re-enter the transaction password that you want to use for the
selected channel.
6.
In the User ID field, enter the User ID that you want to use for the selected channel.
7.
Tap the Check Availability link to view whether the new User ID that you have entered is
available in the application.
If the User ID that you have entered is not available, enter a new User ID.
8.
Tap the View User ID Policy link to view User ID policy set by the bank administrator for the
selected channel.
9.
In the Login Password field, enter the login password that you want to use for the selected
channel.
10.
Tap the View Password Policy link to view the login password policy set by the bank
administrator for the selected channel.
11.
In the Confirm Login Password field, re- enter the login password that you want to use for the
selected channel.
12.
In the Transaction Password field, enter the transaction password that you want to use for the
selected channel.
13.
Tap the View Transaction Password Policy link to view the transaction password policy set by
the bank administrator for the selected channel.
14.
In the Confirm Transaction Password field, re-enter the transaction password that you want to
use for the selected channel.
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Subscribe / Unsubscribe Banking Channel
15.
Tap Submit.
The Channel Subscription – Verify screen appears.
Channel Subscription – Verify
16.
Tap Confirm.
The Channel Subscription – Confirm screen appears with the Channel name, User ID and the
reference number.
OR
Tap Change.
The Channel Subscription screen appears.
To unsubscribe a OBDX channel
1.
From the More menu, tap Customer Services, tap My Profile, and then tap Subscribe /
Unsubscribe Banking Channel.
The Your Choice screen appears.
2.
Tap the Un-Subscribe Channel option.
3.
Tap Continue.
The Channel Un-Subscription screen appears.
OR
Tap Cancel.
The Total Position screen appears.
Channel Un-Subscription
Field Description
Field Name
Description
Registered
Channels
Channel Name
[Mandatory ,Check Boxes]
Indicates that you want to unsubscribe from the OBDX channel(s)
that you have registered and subscribed.
4.
In the Registered Channels section, to unsubscribe from the OBDX channel(s), tap the required
Channel Name box.
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Subscribe / Unsubscribe Banking Channel
5.
Tap Continue.
The Channel Un-Subscription – Verify screen appears.
OR
Tap Cancel.
The Your Choice screen appears.
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Subscribe / Unsubscribe Banking Channel
Unsubscribe Banking Channels Verify
6.
Tap Confirm.
The Channel Un-Subscription – Confirm screen appears with the success message.
OR
Tap Cancel.
The Channel Un-Subscription screen appears.
Unsubscribe Banking Channels Confirm
7.
Tap Ok.
The Your Choice screen appears.
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Set any Transaction as Favorite
13. Set any Transaction as Favorite
Using this option, you can view and access your preferred transactions in the application. You
can also add, remove transactions from the list of favourite transactions.
To view and access favourite transactions
1.
Tap the Favorites menu.
The Favourites screen appears.
2.
Tap the required transaction from the favourites list.
The initial screen of the selected transaction appears.
To set any transaction as favourite
1.
Tap the Favorites menu.
The Favourites screen appears.
2.
Tap Add.
The Add to Favorites screen appears.
Add to Favorites
3.
To add the transaction to favourites list, tap the check boxes next to the name of the required
transactions.
4.
Tap Done.
The acknowledgement screen for the addition of the transactions in the favourites list appears.
5.
Tap OK.
The Favorites screen appears with the selected transactions added in the favourites list.
To edit list of favourite transactions
1.
Tap Favorites menu.
The Favourites screen appears.
2.
Tap Edit.
The Favorites screen appears in the editable mode.
Favorites
3.
Tap the Delete icon next to the required transactions.
4.
Tap Done.
The acknowledgement screen for removal of transactions from the favourites list appears.
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Set any Transaction as Favorite
5.
Tap OK.
The Favorites screen appears with the selected transactions removed from the favourites list.
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Notifications
14. Notifications
You can view reminders, alerts, bulletins, and e-mail messages in the application.
14.1 Reminders
Using this option, you can view reminders in the application. These reminders are for the current
day and upcoming weeks and months. You can navigate between dates, weeks, or months and
view reminders for the required date. You can view the details of a selected reminder and modify,
delete or dismiss the reminder as required. You can also add reminders in the application.
You can view the number of reminders for the current day and view details of these reminders
from the dashboard of the application.
To view reminders
1.
From the Notification menu, tap Reminders.
The Reminder Schedule screen appears.
By default, the reminders for the current day under the Today section appear.
2.
Tap Edit/Modify Reminder for the required reminder to modify the reminder.
3.
Tap Delete Reminder for the required reminder to delete the reminder after verification.
4.
Tap Dismiss Reminder next to the required reminder to dismiss the reminder from the list of
reminders for the current day.
5.
Scroll to the Weekly section to view reminders in the current week.
6.
Tap the date to view reminders scheduled for the selected date.
OR
Scroll to the Monthly section to view reminders in the current month.
7.
Tap the date to view reminders scheduled for the selected date.
8.
Tap the required reminder.
The details of the selected reminder.
To add reminders
1.
From the Notification menu, tap Reminders.
The Reminder Schedule screen appears.
2.
Tap Register Reminder to add a reminder.
The Reminders Registration screen appears.
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Notifications
Reminder Registration
Field Description
Field Name
Description
Subject
[Mandatory, Alphanumeric , 50]
Indicates the subject for reminder.
Description
[Optional, Alphanumeric , 100]
Indicates the details of reminder.
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Notifications
Field Name
Description
Frequency
[Mandatory, Drop-Down]
Indicates the frequency with which the reminder is to be
generated.
The options are:
Start Date

One Time

Daily

Weekly

Monthly

Annually
[Mandatory, Pick List]
Indicates the date from which onwards the reminder is to be due.
End Date
[Conditional, Pick List]
Indicates the date on which the last reminder is to be generated.
This field is optional if you tap the One Time option from the
Frequency list.
3.
In the Subject field, enter the subject of the reminder.
4.
From the Frequency list, tap the appropriate option.
a. If you tap the Daily option:
i.
In the Start Date field, tap the date from which onwards the reminder is to be due.
i.
In the End Date field, tap the date on which the last reminder is to be generated.
5.
Tap Submit.
The Acknowledgement screen appears for adding the reminder
OR
Tap Back to view the previous screen.
6.
Tap Submit.
The Acknowledgement screen for adding the reminder.
OR
Tap Back to view the previous screen.
7.
Tap OK.
The initial Reminders screen appears.
OR
Tap Add Another.
The Add Reminder screen appears.
14.2 Inbox
Using this option, you can communicate with the bank administrators through e-mail in the
application. You can send and receive e-mail messages in the application. You can also view the
bulletins sent to you by the bank in the application.
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Notifications
You can view the number of received e-mails and access all your received and sent e-mails from
the dashboard of the application.
You can view alerts and tasks sent to you in the application. The alerts include default alerts
(alerts sent by the bank and the OBDX application), and your subscribed alerts.
You can view the number of unread alerts on the dashboard of the application. You can access
the list of all your alerts from the dashboard. You can view the complete message of the alerts in
the application.
To view the inbox
1.
From the Notification menu, tap Inbox.
The Inbox screen appears.
2.
Tap Interactions to view the interactions for the current day.
Tap the required interaction.
The details of the selected interaction appear.
OR
Tap Alerts to view the alerts for the current day.
Tap the required alert.
The details of the selected alert appear.
OR
Tap Tasks to view the tasks for the current day.
Tap the required task.
The details of the selected task.
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Notifications
To send e-mail messages
1.
From the Notification menu, tap Compose Message.
The Compose Message screen appears.
Compose Message
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Notifications
Field Description
Field Name
Description
Customer
[Mandatory, Drop-Down]
Indicates the required customer mapped to your User ID.
Subject
[Mandatory, Drop-Down]
Indicates the subject of the message.
Custom Subject
[Optional, Alphanumeric , 60]
Indicates the custom subject of the message.
This field appears if you tap the Others option from the Subject
list.
2.
From the Customer list, tap the appropriate option.
3.
From the Subject list, tap the appropriate option:
a. If you tap the Others option:
i.
4.
In the Custom Subject field, enter your custom subject of the message.
Tap Next.
The next step of the process appears.
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Notifications
Compose Message
Field Description
Field Name
Description
Message
[Mandatory, Alphanumeric , 200 characters]
Indicates the text (body) of the message.
5.
In the Message field, enter the body of the message.
6.
Tap Add Attachment, if required.
The Add Attachment pop-up screen appears.
7.
Tap Browse to browse a file and then tap Upload to add the attachment from the browse
window.
Note: Maximum number of images than can be attached is 5. Size of any image should not be greater
than 1 MB & Overall size of all the attachments should not exceed 2 MB. Images with image type as
.PNG can only be attached.
You can tap Remove Attachment to remove an added attachment for the composed message.
You can also tap More to add more attachments.
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Notifications
8.
Tap Done to add to add all the uploaded attachment(s) from the Add Attachments pop-up screen
appears.
9.
Tap Send.
The Acknowledgement screen appears.
OR
Tap Cancel.
The Inbox screen appears.
10.
Tap OK.
The Inbox screen appears.
To view the sent messages
1.
From the Notification menu, tap Sent Messages.
The Sent Messages screen appears.
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Alert Subscription
15. Alert Subscription
You can subscribe to different types of alerts in the application. You can receive alerts in these
three modes in the application:

E-mail

SMS

Push notifications
The different types of alerts in the application are:

User Level: These alerts are sent to your email address or mobile number as maintained in your
user profile in the application.

Accounts Level: These alerts are sent to your email address as maintained in your user profile in
the application.

Customer Level: These alerts are sent to your email address and/or mobile number as maintained
in your user profile in the application. You can either subscribe to these alerts or the bank
administrator subscribes to these alerts for you.
If you subscribe for a forex rate alert, you can add different parameters to receive alerts for
different pairs of currencies as and when your specified criteria for these currencies are
completed. For example, you can set a forex alert for a currency pair such that you receive an
alert if the price of one currency reaches a specified target price.
15.1
Manage Alerts
Using this option, you can subscribe to different alerts in the application. You can also modify the
details of the subscribed alerts or unsubscribe from these alerts.
To subscribe for alerts
1.
From the Notifications menu, tap Alerts.
The Alerts screen appears.
2.
Tap the Subscribe for Alerts option and then tap Submit.
The Alert Subscription screen appears.
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Alert Subscription
Alert Subscription
Field Description
Field Name
Description
Alert Type
[Mandatory, Drop-Down]
Indicates the alert you want to subscribe for.
3.
From the Alert Type list, tap the appropriate option.
For example, tap Account Alerts.
The different fields appear according to your selected alert type.
4.
Tap Next.
The next step of the Alert Subscription process appears.
OR
Tap Back to view the previous screen.
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Alert Subscription
Account Alerts
Field Description
Field Name
Description
Customer ID
[Mandatory, Drop-Down]
Indicates your Customer ID for which you want to subscribe an
alert.
This field appears if you tap to subscribe for Customer Alerts.
Account No.
[Mandatory, Drop-Down]
Indicates the account number for which you want to subscribe an
alert.
This field appears if you tap to subscribe for Account Alerts.
Select Alert
[Mandatory, Selection list]
Indicates the specific alert you want to subscribe for.
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Alert Subscription
Field Name
Description
Mode of Delivery
[Mandatory, Check Boxes]
Indicates the mode of delivery for the alert.
The options are:
Threshold (%)
Above

Email

SMS

Push
[Mandatory, Numeric, 3]
Indicates the threshold limit amount.
The Limit Threshold Alert is generated when transactions exceed
the specified threshold limit amount.
This field appears only for Limit Threshold Alert.
Debit Above
[Mandatory, Numeric, 15]
Indicates the maximum debit amount.
The Debit Alert is generated when an amount equal to or above
the specified amount is debited from the account.
This field appears only for Debit Alert.
Credit Above
[Mandatory, Alphanumeric , 15]
Indicates the maximum credit amount.
The Credit Alert is generated when the transactions exceed the
specified amount.
This field appears only for Credit Alert.
Add Parameter
[Mandatory, Selector]
Specify your preferences for Forex Rate Alerts.
This field appears only for Forex Rate Alert.
Currency Pair
[Mandatory, Selector]
Indicates the currency pair for the Forex Rate Alert.
This field appears only for Forex Rate Alert.
5.
In the Alert Type list, tap the appropriate alert type.
a. If you tap Customer Alerts:
i.
From the Customer ID list, tap the appropriate option.
b. If you tap Account Alerts:
i.
6.
From the Account No. list, tap the appropriate option.
In the Select Alert list, tap the appropriate alert.
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Alert Subscription
7.
To enable the required mode of delivery of the alert, tap the required check box in the Mode of
Delivery section.
8.
If you tap User Alerts and then tap the Limit Threshold Alert.
a. In the Threshold (%) Above field, enter the threshold limit amount.
9.
If you tap User Alerts and then tap the Debit Alert.
a. In the Debit Above field, enter the maximum debit amount.
10.
If you tap User Alerts and then tap the Credit Alert.
a. In the Credit Above field, enter the maximum credit amount.
11.
If you tap User Alerts and then tap the Forex Rate Alert.
a. Tap Set –view Parameters and then tap Add Parameters to add parameters for the Forex
Rate Alert.
12.
Tap Next.
The next step of the Alert Subscription process appears.
OR
Tap Back to view the previous screen.
13.
Tap Subscribe.
The Verify screen appears for the selected alert appears.
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Alert Subscription
Accounts Alert Subscription – Verify
14.
Tap Confirm.
The Confirm screen for the selected alert appears with the transaction reference number.
OR
Tap Change.
The previous screen for the selected alert appears.
15.
Tap OK.
The Total Position screen appears.
To view and update details of the subscribed alerts
1.
From the Notifications menu, tap Alerts.
The Alerts screen appears.
2.
Tap the View Current Subscriptions option and then tap Submit.
The View Current Subscriptions – Step 1 screen appears.
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Alert Subscription
View Current Subscriptions – Step 1
Field Description
Field Name
Description
Alert Type
[Mandatory, Drop-Down]
Indicates the alert you want to subscribe for.
3.
From the Alert Type list, tap the appropriate option.
For example, tap Account Alerts.
The different fields appear according to your selected alert type.
4.
Tap Next.
The next step of the View Current Subscriptions process appears.
OR
Tap Back to view the previous screen.
View Current Subscriptions – Step 2
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Alert Subscription
5.
Tap the required subscribed alert.
The View Current Subscriptions – Alert Details screen
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Alert Subscription
View Current Subscriptions – Alert Details
6.
Tap Modify.
The Modify Alert Subscription screen appears.
7.
Modify the relevant details in the appropriate fields.
8.
Tap Update.
The Verify screen appears for the selected alert appears
9.
Tap Confirm.
The Confirm screen appears for the selected alert appears with the transaction reference
number.
OR
Tap Change.
The previous screen for the selected alert appears.
10.
Tap OK.
The initial alert subscription screen appears.
To unsubscribe subscribed alerts
1.
From the Notifications menu, tap Alerts.
The Alerts screen appears.
2.
Tap the View Current Subscriptions option and then tap Submit.
The View Current Subscriptions – Step 1 screen appears.
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Alert Subscription
View Current Subscriptions – Step 1
Field Description
Field Name
Description
Alert Type
[Mandatory, Drop-Down]
Indicates the alert you want to subscribe for.
3.
From the Alert Type list, tap the appropriate option.
For example, tap Account Alerts.
The different fields appear according to your selected alert type.
4.
Tap Next.
The next step of the View Current Subscriptions process appears.
OR
Tap Back to view the previous screen.
5.
Tap the required subscribed alert.
The View Current Subscriptions – Alert Details screen appears.
6.
Tap Unsubscribe.
The Unsubscribe for Alert - Verify screen appears for the unsubscription of the selected alert.
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Alert Subscription
7.
Tap Confirm.
The Confirm screen for the selected alert appears with the transaction reference number.
OR
Tap Change.
The previous screen for the selected alert appears.
8.
Tap OK.
The screen for your current subscribed alerts appears.
15.2 Adding and Deleting Parameters for Forex Rate Alerts
Using this option, you can add different parameters when you subscribe for forex rate alerts. You
can receive forex rate alerts for different pairs of currencies according to the forex rate parameter.
You can also modify or delete parameters for forex rate alerts.
To add parameters for forex rate alerts
1.
From the Notifications menu, tap Alerts.
The Alerts screen appears.
2.
Tap the Subscribe for Alerts option and then tap Submit.
The Alert Subscription screen appears.
Field Description
Field Name
Description
Alert Type
[Mandatory, Drop-Down]
Indicates the alert you want to subscribe for.
3.
From the Alert Type list, tap the User Alerts option.
4.
Tap Next.
The next step of the alert subscription process appears.
OR
Tap Back to view the previous screen.
5.
Tap Forex Rate Alert as the required alert and then tap Next.
The Alert Subscriptions screen appears.
6.
Enter the relevant details in the appropriate fields and then tap Next.
The Subscribe for Alerts – Forex Alert Parameters screen appears.
7.
Tap Add.
The Subscribe for Alerts – Forex Alert Parameters screen appears.
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Alert Subscription
Forex Rate Alert Parameter
Field Description
Field Name
Purpose
Description
[Mandatory, Drop-Down]
Indicates the type of rate for which alert is required.
The options are:
Buy Currency

Buy Foreign Currency Notes

Buy Travellers Cheque

Make Fund Transfer
[Mandatory, Drop-Down]
Indicates the currency that you want to buy.
Sell Currency
[Mandatory, Drop-Down]
Indicates the currency that you want to sell.
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Alert Subscription
Field Name
Target Price
Description
[Mandatory, Numeric, 15]
Indicates the target price which when attained should trigger the alert.
Active From
[Mandatory, Pick List]
Indicates the start date of the date range in which the alert should be
generated if the specified currency pair reaches the defined target
price.
Active To
[Mandatory, Pick List]
Indicates the end date of the date range in which the alert should be
generated if the specified currency pair reaches the defined target
price.
8.
From the Purpose list, tap the appropriate option.
9.
From the Buy Currency list, tap the appropriate option.
10.
From the Sell Currency list, tap the appropriate option.
11.
In the Target Price field, enter the target price which when attained should trigger the alert.
12.
In the Active From field, tap the start date of the date range in which the alert should be
generated if the specified currency pair reaches the defined target price.
13.
In the Active To field, tap the end date of the date range in which the alert should be generated if
the specified currency pair reaches the defined target price.
14.
Tap Update.
The Forex Rate Alert parameter is saved and the Forex Parameters – Confirm screen appears.
15.
Tap Ok.
The Forex Rate Alert screen appears.
OR
Tap Add Another to add a new Forex Rate Alert parameter.
16.
Tap Subscribe.
The Verify screen for the Forex Rate Alert appears.
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Alert Subscription
Forex Rate Alert Subscription – Verify
17.
Tap View Forex Alert Parameters to view the Forex Parameters screen appears.
18.
Tap Confirm.
The Confirm screen for the selected alert appears with the transaction reference number.
OR
Tap Change.
The previous screen for the selected alert appears.
19.
Tap OK.
The Total Position screen appears.
To modify or delete parameters for Forex Rate Alerts
1.
From the Notifications menu, tap Alerts.
The Alerts screen appears.
2.
Tap the View Current Subscriptions option and then tap Submit.
The View Current Subscriptions – Step 1 screen appears.
3.
In the Alert Type list, tap the User Alerts as the alert type.
4.
Tap the Forex Rate Alert.
The details of the Forex Rate Alert appear
5.
Tap Set –view Parameters.
The existing parameters of the Forex Rate Alert appear.
6.
Modify the required details, tap Update and then tap OK on the Forex Rate Alert Parameters
screen.
The Forex Rate Alert screen appears.
OR
Tap Delete and then tap OK on the Delete Parameter screen appears.
The Forex Rate Alert screen appears.
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Cheques
16. Cheques
16.1 Request Cheque Book
Using this option, you can request for a new cheque book for an account mapped to your user ID
in the application. You have to specify mode of delivery (either Branch or Code) when you apply
for a new cheque book.
To request a new cheque book
1.
From the More menu, tap Customer Services, tap Cheques, and then tap Request Cheque
Book.
The New Cheque Book screen appears.
New Cheque Book
Field Description
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Indicates the account for which new cheque book is to be issued.
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Cheques
Field Name
Description
Cheque Book Type
[Mandatory, Drop-Down]
Indicates the type of cheque book required.
Cheque Book
Option
[Mandatory, Drop-Down]
Indicates the number of leaves in the new cheque book.
The options are:
Delivery Mode

10 Leaves

50 Leaves

25 Leaves
[Mandatory , Option]
Indicates the mode of delivery for the cheque book.
The options are:
Bank City

Branch

Courier
[Mandatory, Drop-Down]
Indicates the city of the cheque book issuing bank.
This field appears if you tap the Branch option, from the Delivery
Mode list.
Bank Branch
[Mandatory, Drop-Down]
Indicates the name of the branch of the cheque book issuing
bank.
This field appears if you tap the Branch option, from the Delivery
Mode list.
Name
[Conditional, Alphanumeric, 30]
Indicates the name of the person to whom cheque book is to be
delivered.
This field appears if you tap the Courier option, from the Delivery
Mode list.
Address Line 1
[Mandatory, Alphanumeric , 34]
Indicates the address where you want the cheque book to be
delivered.
This field appears if you tap the Courier option, from the Delivery
Mode list.
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Cheques
Field Name
Description
Address Line 2
[Mandatory, Alphanumeric , 34]
Indicates the address where you want the cheque book to be
delivered.
This field appears if you tap the Courier option, from the Delivery
Mode list.
Address Line 3
[Optional, Alphanumeric , 34]
Indicates the address where you want the cheque book to be
delivered.
This field appears if you tap the Courier option, from the Delivery
Mode list.
City
[Mandatory, Alphanumeric, 35]
Indicates the city where you want the cheque book to be
delivered.
State
[Mandatory, Alphanumeric, 35]
Indicates the state where you want the cheque book to be
delivered.
Country
[Mandatory, Alphanumeric , 35]
Indicates the country where you want the cheque book to be
delivered.
Postal Code
[Mandatory, Alphanumeric , 10]
Indicates the zip / postal code of the state where you want the
cheque book to be delivered.
Phone
[Optional, Alphanumeric , 35]
Indicates your phone number.
2.
From the Select Account list, tap the appropriate option.
3.
From the Cheque Book Type list, tap the appropriate option.
4.
From the Cheque Book Option list, tap the appropriate option.
5.
In the Delivery Mode field, tap the appropriate option:
a. If you tap the Branch option:
i.
In the Bank City field, enter the city of the cheque book issuing bank.
ii.
In the Bank Branch field, enter the branch of the cheque book issuing bank.
b. If you tap the Courier option:
i.
In the Name field, enter the name of the person to whom cheque book is to be
delivered.
ii.
In the Address Line 1 field, enter the address where you want the cheque book to be
delivered.
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Cheques
iii.
In the Address Line 2 field, enter the address where you want the cheque book to be
delivered.
6.
In the City field, enter the city where you want the cheque book to be delivered.
7.
In the State field, enter the state where you want the cheque book to be delivered.
8.
In the Country field, enter the country where you want the cheque book to be delivered.
9.
In the Postal Code field, enter the postal code of the state where you want the cheque book to
be delivered.
10.
Tap Submit.
The New Cheque Book – Verify screen appears.
OR
Tap Cancel.
The Total Position screen appears.
New Cheque Book – Verify
11.
Tap Confirm.
The New Cheque Book – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The New Cheque Book screen appears.
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Cheques
12.
Tap Ok.
The initial New Cheque Book screen appears.
OR
Tap the Download icon to download the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
16.2 My Cheques / Cheque Status Inquiry
Using this option, you can view the status of cheques issued for your account in the application.
You can search for the cheques according to the cheque numbers or date on which cheques are
issued.
The search results display the cheque status, date, amount and currency of the cheque.
To view cheque status
1.
From the More menu, tap Customer Services, tap Cheques, and then tap My Cheques.
The My Cheques screen appears.
My Cheques
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Cheques
Field Description
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Indicates the account for which you want to view the cheque
status.
Criteria
[Mandatory, Option]
Indicates that you want view cheque status by entering the
cheque number or cheque range
The options are:
Cheque Number

Cheque Number

Cheque Range
[Conditional, Alphanumeric , 6]
Indicates the cheque number for which you want to view the
cheque status.
This field appears when you tap Cheque Number option in the
Criteria field.
From Cheque
Number
[Conditional, Alphanumeric, 6]
Indicates the start range of cheque numbers for which you want to
view the cheque status.
This field appears when you tap Cheque Range option in the
Criteria field.
To Cheque Number
[Conditional, Alphanumeric 6]
Indicates the end range of cheque numbers for which you want to
view the cheque status.
This field appears when you tap Cheque Range option in the
Criteria field.
2.
From the Select Account list, tap the appropriate option.
3.
Tap the appropriate option in the Criteria field:
a. If you tap the Cheque Number option:
i.
In the Cheque Number field, enter the cheque number for which you want to view the
cheque status.
b. If you tap the Cheque Range option:
4.
i.
In the From Cheque Number field, enter start range of cheque numbers for which you
want to view the cheque status.
ii.
In the To Cheque Number field, enter end range of cheque numbers for which you
want to view the cheque status.
Tap Submit.
The My Cheques screen appears with the cheque status details.
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Cheques
OR
Tap Cancel.
The Total Position screen appears.
My Cheques – Cheque Status
Field Description
Field Name
Description
Cheque Range
[Display]
Displays cheque range, if any, that you have specified for the
cheque status.
Status Filter
[Optional, Drop-Down]
Indicates the status of the cheques for which you want to view the
details of the cheques.
The options are:

Used

Not Used

Stopped

Rejected

Cancelled

All
By default, the All option is selected.
Cheque Number
[Display]
Displays the cheque number
Cheque Status
[Display]
Displays the status of the cheque.
Transaction Date
[Display]
Displays the transaction date of the cheque.
Amount and
currency
5.
[Display]
Displays the amount and currency as per the cheque.
Tap Back.
The initial My Cheques screen appears.
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Cheques
16.3 Stop Cheque
Using this option, you can block or stop the payment of cheques that have been issued from your
account. You can also cancel the stop payment request for cancelled or blocked cheques.
You can specify the cheque number or cheque range, account to block or unblock cheques. You
must also specify the reason for blocking cheques.
To block or unblock cheques
1.
From the More menu, tap Customer Services, tap Cheques, and then tap Stop Cheque.
The Block Cheques screen appears.
Stop Cheque
Field Description
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Indicates the account from which the cheque/s is issued.
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Cheques
Field Name
Select Action
Description
[Mandatory, Drop-Down]
Indicates the action to be performed i.e. block or unblock.
List
[Mandatory, Option]
Indicates that you want view cheque list by entering the cheque
number or cheque range.
The options are:
Cheque Number

Cheque Number

Cheque Range
[Conditional, Alphanumeric , 6]
Indicates the number of the cheque that you want to block or
unblock.
This field appears when you tap Cheque Number option in the
List field.
From Cheque
Number
[Conditional, Alphanumeric, 6]
Indicates the start range of cheque numbers of the cheques that
you want to block or unblock.
This field appears when you tap Cheque Range option in the List
field.
To Cheque Number
[Optional, Alphanumeric, 6]
Indicates the end range of cheque numbers of the cheques that
you want to block or unblock.
This field appears when you tap Cheque Range option in the List
field.
Reason
[Mandatory, Alphanumeric, 40]
Indicates the reason to stop cheque for reference.
This field is not applicable for unblocking cheques.
2.
From the Select Account list, tap the appropriate option.
3.
From the Select Action list, tap the appropriate option.
4.
Tap the appropriate option in the List field:
a. If you tap the Cheque Number option:
i.
In the Cheque Number field, enter the number of the cheque that you want to block or
unblock.
b. If you tap the Cheque Range option:
i.
In the From Cheque Number field, enter the start range of cheque numbers of the
cheques that you want to block or unblock
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Cheques
ii.
In the To Cheque Number field, enter the end range of cheque numbers of the
cheques that you want to block or unblock
5.
Tap Submit.
The Stop Cheque – Verify screen appears.
OR
Tap Reset to clear all the details.
6.
Tap Confirm.
The Stop Cheque – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Block Cheques screen appears.
7.
Tap Ok.
The initial Block Cheques screen appears.
OR
Tap the Download icon to download the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
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Account Inquiries
17. Account Inquiries
17.1 Account Summary
Using this option you can view the summarized details of all your accounts mapped to your
Customer ID on the Total Position screen of the application. The types of accounts and details
displayed in the Account Summary are:

Current and Saving Accounts

Deposit Accounts

Islamic Accounts

Credit Accounts

Loan Accounts

Goal Details
Note: For more information about Goal Details displayed in Account Summary screen, see Goal Setting
section in this User Manual.
For a given account type, summarized account details include the currency of the account, total
amount of funds in all accounts, account number, total amount for each account
You can also view a hyperlink in the Account Summary section to view the account activity and
account details for the selected account.
To view the account summary from the Total Position screen
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
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Account Inquiries
Accounts Overview Total Position
Field Description
Field Name
Description
<Account Type>
[Display, Hyperlink]
Displays the account type.
Displays the link to view accounts which are mapped to your
Customer ID.
Total Balance and
Currency
2.
[Display]
Displays the total current balance of all the accounts under each
account type in your base currency.
Tap the required Account Type link.
For example, tap CASA.
The Account Summary screen appears for all your current and savings accounts in the
application.
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Account Inquiries
Account Summary - CASA
Field Description
Field Name
Description
Total Balance
[Display]
Displays the total balance amount in all accounts of the selected
account type.
Account Nickname
[Display]
Displays the nickname of the account, if you have set any.
Account Number
[Display , Hyperlink]
Displays the account number.
Displays the link to view details of the account.
Available Balance
and Currency
[Display]
Displays the available balance in the account along with account
currency.
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Account Inquiries
3.
Tap the required Account Number link.
The Account Details screen appears.
OR
Tap Back.
The Total Position screen appears showing the total position of your accounts.
To view the account summary from the menu
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
From the Accounts menu, tap Account Summary.
The My Accounts screen appears showing all your accounts in the application.
My Accounts
Field Description
Field Name
Description
Account Name
[Display]
Displays the name of the account.
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Account Inquiries
Field Name
Description
Account Number
[Display]
Displays the account number.
Currency
[Display]
Displays the currency type of the selected account.
Available Balance
[Display]
Displays the clear available balance in the account.
3.
Tap
OR
to view the next page showing your accounts.
Tap
OR
to view the previous page showing your accounts.
Tap
OR
to view the first page showing your accounts.
Tap
OR
to view the first page showing your accounts.
Tap
OR
Tap
OR
to view the next page showing your accounts
to view the last page showing your accounts.
Tap
OR
next to the required account to collapse the details.
Tap
next to the required account to expand the details.
17.2 Account Activity
Using this option, you can view the account activity for a selected account. You can also view the
account activity for a specified period.
To view the account activity
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the required account type.
For example, tap CASA.
The Account Summary screen for all your Current and Savings accounts in the application.
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Account Inquiries
3.
Tap the required account.
The details of the selected account appear.
OR
Tap Back to view the previous screen.
4.
Tap Account Activity.
The account activity of the selected account appears.
Account Activity
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Account Inquiries
Account Activity
Field Description
Field Name
Account Number
Description
[Display]
Displays the account number of the selected account.
Opening Balance
[Display]
Displays the opening balance of the selected account.
Closing Balance
[Display]
Displays the closing balance of the selected account.
Account Activity
Transaction Date
[Display]
Displays the date of transaction in the account.
Description
[Display]
Displays the description of the transaction in the account.
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Account Inquiries
Field Name
Description
Transaction amount
and currency
[Display]
Type – Cr / Dr
[Display]
Displays the transaction amount and account currency.
Displays the indicator indicating the type of transaction carried
out – either Debit (DR) or Credit (CR)
5.
6.
Tap
OR
to view the next page showing account activity of your selected account.
Tap
OR
to view the previous page showing account activity of your selected account.
Tap
OR
to view the first page showing account activity of your selected account.
Tap
OR
to view the first page showing account activity of your selected account.
Tap
OR
to view the next page showing account activity of your selected account.
Tap
OR
to view the last page showing account activity of your selected account.
Tap
OR
next to the required account activity to collapse the details.
Tap
next to the required account activity to expand the details.
Tap any transaction in the Account Activity section.
The details of the selected transaction are displayed.
Transaction Details
7.
Tap Back to view the previous screen.
Note: The fields displayed in the Transaction Details screen depend on the type of transaction in the
account.
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Account Inquiries
8.
Tap the Email icon to send an email about the account.
The Compose Message screen with your Customer ID and Account Number appears.
You can compose the message subject and message body of the email.
To search account activity
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap Accounts from the menu and then tap Account Activity.
The Account Activity screen appears.
Account Activity
Field Description
Field Name
Description
Account Number
[Mandatory, Drop-Down]
Indicates the account number for which you want to view the
account activity.
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Account Inquiries
Field Name
Description
Search By
[Mandatory, Drop-Down]
Indicates the criteria for searching the account activity.
The options are:
From Date

Last 2 days

Last 5 days

Between two dates
[Mandatory, Numeric]
Indicates the start date from which you want search he account
activity.
To Date
[Mandatory, Numeric]
Indicates the end date from which you want search he account
activity.
3.
From the Account Number list, tap the appropriate option.
4.
From the Search By list, tap the appropriate option.
5.
In the From Date field, enter the start date from which you want search he account activity.
6.
In the To Date field, enter the end date from which you want search he account activity.
7.
Tap Submit.
The account activity appears for the selected account for the specified period.
Download Account Activity
You can download account activity for specified search criteria for selected CASA Account in
PDF and Excel formats.
1.
Navigate to the account activity of the required account.
2.
Tap the Download icon.
The document formats available for download appear,
Account Activity Download
3.
Tap the icon for the required document format.
4.
Open the downloaded account activity document in a new window or save the downloaded
account activity document.
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Account Inquiries
17.3 Account Details
Using this option, you can view the account details of the selected account.
To view the account details from the menu
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap Accounts from the menu and then tap Account Details.
The Account Details screen appears.
Account Details
Field Description
Field Name
Description
Account Number
[Mandatory, Drop-Down]
Indicates the account number for which you want to view the
account activity.
3.
From the Account Number list, tap the appropriate option.
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Account Inquiries
4.
Tap Submit.
The details of the selected account appear.
5.
Tap Back to view the previous screen.
To view the account details from the Total Position screen
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the required account type.
For example, tap CASA.
The Account Summary screen for all your Current and Savings accounts in the application.
3.
Tap the required account.
The details of the selected account appear.
OR
Tap Back to view the previous screen.
Account Details
Field Description
Field Name
Description
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Account Inquiries
Field Name
Description
Account Details
Customer ID
[Display]
Displays the Customer ID of the account.
Account Nickname/ [Display]
Account Number
Displays the account nickname or account number.
Current Balance
[Display]
Displays the current balance in the account.
Amount on Hold
[Display]
Displays the amount on hold in the account.
Uncleared Funds
[Display]
Displays the uncleared funds in the account.
Overdraft Limit
[Display]
Displays the overdraft limit of the account.
Net Available
Balance for
Withdrawal
4.
[Display]
Displays the net available balance for withdrawal for the account.
Tap Account Activity.
The account activity of the selected account appears.
OR
Tap Back to view the previous screen.
17.4 Adhoc Statement
Using this option, you can request for an account statement for a specified period. You can view
an ad hoc statement for the following account types in the application:

Current & Savings Accounts

Term Deposit Accounts

Loan Accounts

Islamic accounts
To request ad hoc statement for a current and savings account
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the required account type.
For example, tap CASA.
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Account Inquiries
The Account Summary screen appears for all your Current and Savings accounts in the
application.
3.
Tap the required account.
The details of the selected account appear.
OR
Tap Back to view the previous screen.
4.
Tap the PDF con.
The Statement Period screen appears.
Statement Period
Field Description
Field Name
Description
From Date
[Mandatory, Numeric,10, Pick List]
Indicates the start date of the ad hoc statement for the selected
account.
To Date
[Mandatory, Numeric,10, Pick List]
Indicates the start date of the ad hoc statement for the selected
account.
5.
In the From field, tap the start date of the date range for which you want to view the account
statement.
6.
In the To field, tap the end date of the date range for which you want to view the account
statement.
7.
Tap Submit.
The Adhoc Statement Verify screen appears.
OR
Tap Cancel to view the previous screen.
Adhoc Account Statement Request Verify
The Account Type and the Account Number for the Adhoc Account Statement Request in the
Verify screen.
8.
Tap Change.
The Statement Period screen appears.
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Account Inquiries
OR
Tap Confirm.
The Adhoc Statement Request – Confirm screen appears.
9.
Tap Ok.
The initial Account Details screen appears.
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Loans
18. Loans
18.1 Loan Details
Using this option, you can view the details of your loan accounts in the application. You can
specify whether to view details of either active or closed (repaid) loans. You can view details such
as the current balance, recent transactions, balance amount, outstanding amount, and maturity
date for the selected loan in your loan accounts.
To view the account details from the menu
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
From the Loans menu, tap Loan Details.
The Loans screen appears.
Loans
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Loans
Field Description
Field Name
Description
Loan Status
[Mandatory, Option]
Indicates the status of the loan.
The options are:

Active Loans

Closed Loans
3.
In the Loan Status field, tap the appropriate option.
4.
Tap Submit.
The Loan Details screen appears.
Loan Details
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Loans
Field Description
Field Name
Description
Account Number
[Mandatory, Drop-Down]
Indicates the loan account for which you want to view the loan
details.
5.
From the Account Number list, tap the appropriate option.
6.
Tap Submit.
The details of the selected loan account appear.
OR
Tap Back to view the previous screen.
To view the loan details from the landing screen
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the Loans account type.
The Account Summary screen appears for all your Loan accounts in the application.
Account Summary - Loans
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Loans
Field Description
Field Name
Total Balance
Description
[Display]
Displays the total balance amount in all accounts of the selected
account type.
Account Nick
name
Account Number
[Display]
Displays account nickname, if you have set any,
[Display]
Displays loan account number.
Loan Outstanding
Balance and
Currency
3.
[Display]
Displays principal balance of the loan account and the loan
account currency.
Tap the required account.
The details of the selected account.
OR
Tap Back to view the previous screen.
Loan Account Details
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Loans
Field Description
Field Name
Description
Principal Balance
and Currency
[Display]
Loan Outstanding
Balance and
Currency
[Display]
Displays principal balance of the loan account and the loan
account currency.
Displays principal balance of the loan account and the loan
account currency.
Account Details
Account
[Display]
Displays the loan account number.
Customer Id
[Display]
Displays the Customer ID associated with the loan account.
Product Name
[Display]
Displays the name of the loan product.
Loan Details
Sanctioned Loan
Amount
[Display]
Opening Date
[Display]
Displays total loan amount that has been granted to you by the
bank.
Displays the date on which the loan account has been opened.
Interest Rate
[Display]
Displays the rate of interest of the loan.
Maturity Date
[Display]
Displays the maturity date of the loan.
Loan Issuing
Branch
[Display]
Disbursed Loan
Amount
[Display]
Displays the name of the bank branch which issued the loan.
Displays the loan amount given to you till date.
Outstanding Loan Details
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Loans
Field Name
Principal Balance
Description
[Display]
Displays principal outstanding amount on the loan at present.
Next Installment
Date
[Display]
Next Installment
Amount
[Display]
Installment
Arrears
[Display]
Loan Outstanding
[Display]
Displays date on which the next installment amount is scheduled
Displays amount that you have to pay as the next loan installment.
Displays the total amount of installments that you have to pay to
the bank.
Displays the amount outstanding on the loan.
Remaining
Installments
Displays number of installments remaining for payment of the loan
account
4.
Tap View Disbursal Details.
The disbursal details for the selected loan appear.
5.
Tap Back.
The Loan Details screen appears.
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Loans
Disbursal Details
6.
Tap Back.
The Loan Details screen appears for the selected loan account.
OR
Tap OK to view the Loan Details screen to tap a loan account
7.
Tap View Repayment Details.
The repayment details of the selected loan account appear.
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Loans
Repayment Details
Field Description
Field Name
Description
Amount Paid Till
Date
[Display]
Final Settlement
Amount
[Display]
No. of installments
[Display]
Displays the total amount repaid by the customer on the loan, till
date with currency.
Displays total amount to be repaid towards the loan on closure.
This amount includes all the installments as well as charges, if
any, with currency.
Displays number of installments in which financed amount needs
to be paid.
Installments Paid
Displays the number of installments paid for the loan account.
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Loans
8.
Field Name
Description
Repayment Mode
Displays the mode of loan repayment (ECS, Cheque, or Credit
card)
Tap Back.
The Loan Details screen appears for the selected loan account.
OR
Tap OK to view the Loan Details screen to tap a loan account
18.2 Loan Top Up Request
Using this option, you can create a request to add funds to your loans in the application.
To make a loan top-up request
1.
From the More menu, tap Customer Services, tap Loan Top Up, and then tap Loan Top-Up
Request.
The Loan Account Top Up screen appears.
Loan Account Top-Up
Field Description
Field Name
Description
Account Nick name
[Display]
Displays the nickname of the loan account for which you
want a top-up amount.
Account Number
[Display, Hyperlink]
Displays the loan account number for which you want a topup amount.
Displays the link to tap the loan account for which you want
a top-up amount.
2.
Principal Balance and
[Display]
Currency
Displays the principal balance in the account along with
account currency
Tap the required link in the Account Number field.
The Loan Top-up screen appears.
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Loans
Loan Top Up 1
Loan Top Up 2
Field Description
Field Name
Description
Account Number
[Display]
Displays the account number of the loan that you want to top-up.
Preferred Date of
Contact
[Mandatory, Pick List]
Preferred Time of
Contact
[Mandatory, Drop-Down]
Amount
[Mandatory, Alphanumeric, 15]
Indicates the date on which bank should contact you for the loan
top-up.
Indicates the preferred time to contact you for the loan top-up.
Indicates the top up amount that you require for the loan account.
Purpose
[Mandatory, Alphanumeric , 100]
Indicates the specific purpose for the top up amount.
Expected Date of
Disbursement
[Mandatory, Pick List]
Indicates the date on which you require the top up amount for the
selected loan account.
3.
In the Preferred Date of Contact field, tap the date on which bank should contact you for the
loan top-up.
4.
From the Preferred Time of Contact list, tap the appropriate option.
5.
In the Amount field, enter the top up amount that you require for the loan account.
6.
In the Purpose field, enter the specific purpose for the top up amount.
7.
In the Expected Date of Disbursement field, tap the date on which you require the top up
amount for the selected loan account.
8.
Tap Next to view the next screen for the transaction.
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Loans
9.
Tap Continue.
The Upload Documents screen appears.
Loan Top-Up – Upload Documents
Field Description
Field Name
Description
Document Type
[Mandatory, Drop-Down]
Indicates the document type that you want to upload for the loan
top-up request.
Recently
Uploaded
Document
[Display]
Displays the list of recently uploaded documents for the for the
loan top-up request.
10.
From the Document Type list, tap the appropriate option and then tap Upload File
11.
Tap Continue.
The terms and conditions of use for the loan top up request appear.
12.
To accept the terms and conditions of use for the loan top up request, tap the I Accept Term and
Conditions check box.
The Loan Top Up – Verify screen appears.
Loan Top-up Verify
13.
Tap Confirm.
The Loan Top Up – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Loan Top Up screen appears.
14.
Tap Ok.
The initial Loan Top Up screen appears.
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Financing Details
19. Financing Details
Using this option, you can view the details of your Islamic Finance accounts in the application.
You can specify whether to view details of either active or closed financing accounts. You can
view details such as the current balance, recent transactions, balance amount, outstanding
amount, and financing tenure for the selected financing account.
To view the financing details from the menu
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
From the Loans menu, tap Islamic Finance Details.
The Financing Account Details screen appears.
Financing Account Details
Field Description
Field Name
Description
Account
[Mandatory, Drop-Down]
Indicates the account for which you want to view the details.
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Financing Details
3.
From the Account list, tap the appropriate option.
4.
Tap Submit.
The Financing Account Details screen appears for the selected account
To view the financing details from the landing screen
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the Islamic Finance account type.
The Account Summary screen appears for all your Islamic Finance accounts in the application.
Account Summary- Islamic Finance
Field Description
Field Name
Description
Account Nick name
[Display]
Displays the name of the account, or the nickname of the account,
if you have set any.
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Financing Details
Field Name
Description
Account Number
[Display]
Displays the account number.
Currency
[Display]
Displays the currency type of the selected account.
Principal Balance
[Display]
Displays the clear available balance in the account.
3.
Tap the required account.
The details of the selected account appear.
OR
Tap Back to view the previous screen.
Financing Account Details
Field Description
Field Name
Description
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Financing Details
Field Name
Description
Account Details
Customer Id
[Display]
Displays the customer id of the selected account.
Account
[Display]
Displays the account number under a particular customer ID.
Product Name
[Display]
Displays the financing product name.
Financing Details
Maturity Date
[Display]
Displays the maturity date of the financing matures.
Amount Financed
[Display]
Displays the financed amount.
Finance Amount
Disbursed
[Display]
Profit Rate
[Display]
Displays the financing amount disbursed till date.
Displays the profit rate applicable to the financing account.
Linked Murabaha
Bill
[Display]
Supplier Grace
Period
[Display]
Displays the bill reference number associated with Mudaraba
finance contract.
Displays the supplier grace period and frequency
This field is displayed only when you tap a financing account
opened under Mudaraba product.
Customer Grace
Period
[Display]
Displays the customer grace period and frequency
This field is displayed only when you tap a financing account
opened under Mudaraba product.
Bank Profit Share
[Display]
Displays the bank profit share (percentage of profit that the bank
shall get in case of a profitable return on the Mudaraba account.
This field is displayed only when you tap a financing account
opened under Mudaraba product.
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Financing Details
Field Name
Description
Customer Profit
Share
[Display]
Displays the customer profit share (percentage of profit that the
bank shall get in case of a profitable return on the Mudaraba
account.
This field is displayed only when you tap a financing account
opened under Mudaraba product.
Lease Type
[Display]
Displays the lease type for the financing account The options are:

Financial Lease

Operational Lease
This field is displayed only when you tap a financing account
opened under IJARAHA or TAWAROOQ products.
Lease Payment
Mode
[Display]
Displays the type of payment mode for the financing account
This field is displayed only when you tap a financing account
opened under IJARAHA or TAWAROOQ products.
Bank ‘s share
[Display]
Displays the finance sharing ratio of the Bank on Mudaraba
account
Customer’s Share
[Display]
Displays the finance sharing ratio of the customer on Mudaraba
account
Outstanding
Financing Details
These fields are displayed only for Active financing accounts.
Principal Balance
[Display]
Displays the outstanding principle balance on the loan account as
on date.
Next Installment
Date
[Display]
Next Installment
Amount
[Display]
Installment
Arrears
[Display]
Displays the due date of the next installment.
Displays the next installment amount.
Displays the unpaid installment amount.
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Financing Details
Field Name
Description
Fees and Charges
[Display]
Displays charges debited by the bank for processing the financing
till date.
Outstanding
Finance Amount
4.
[Display]
Displays the outstanding finance amount to be paid.
Tap Back to view the previous screen.
Islamic Financing Account Activity
Field Description
Field Name
Description
Principal Balance
[Display]
Displays the currency of the recent transaction.
Outstanding
Finance Amount
[Display]
Transaction Date
[Display]
Displays the principal outstanding amount on the financing at
present.
Displays the date of the transaction.
Transaction
Description
[Display]
Transaction
Amount and
currency
[Display]
Displays the description of the transaction.
Displays the transaction amount and finance account currency.
To filter account activity
You can view the account activity details for a specified time period.
1.
Navigate to the account activity of the required account.
2.
Tap the Filter icon.
The Filter pop-up screen:
3.
Specify the start date in the From field and end date in the To field, tap Submit, and view
account activity of the selected account for the specified period.
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To download account activity
Using this option, you can download account activity for specified search criteria for selected loan
account in PDF and Excel formats.
1.
Navigate to the account activity of the required account.
2.
Tap the Download icon.
The document formats available for download.
3.
Tap the icon for the required document format.
4.
Open the downloaded account activity document in a new window or save the downloaded
account activity document.
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Mutual Funds
20. Mutual Funds
You can buy mutual funds from an Asset Management Company (AMC) in the application. You
can also view the order status of mutual fund transactions that you have initiated in the
application.
You can view details of all their mutual funds holdings in the application. You can also sell or
redeem the purchased mutual funds. In the application, you can also switch investments from one
mutual fund to other mutual funds.
20.1 Buy Funds
Using this option, you can enter details to buy mutual funds of the selected AMC from the
application. You must specify the amount to be invested or the number of units to be purchased
for the selected fund.
To buy funds
1.
From the More menu, tap Mutual Funds, and then tap Buy Funds.
The Buy Funds screen appears.
Buy Funds 1
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Mutual Funds
Buy Funds 2
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Buy Funds 3
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Buy Funds 4
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the Unit Holder ID under which you want to buy the
mutual fund.
Fund AMC
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the Asset Management Company under which the
required mutual fund exists.
Fund Information
Fund Name
[Mandatory, Selection List]
Indicates the required mutual fund.
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Field Name
Description
Minimum Amount
[Display]
Displays the minimum amount that has to be invested to subscribe
to the fund, with the currency of the mutual fund.
Minimum Units
[Display]
Displays the minimum units that have to be invested to subscribe
to the fund, with the currency of the mutual fund.
Place an Order
Investment Type
[Mandatory, Drop-Down]
Indicates whether you want to invest in the mutual fund in terms of
amount or number of units.
The options are:
Amount/Units

Amount

Units
[Mandatory, Numeric, 15]
Indicates the amount to be invested / number of units to be
purchased for the mutual fund.
The amount must be in the range of minimum and maximum
amount for the mutual fund.
2.
From the Unit Holder list, tap the appropriate option.
3.
From the Fund AMC list, tap the appropriate option.
4.
Tap Continue to view the next step of the process.
OR
Tap Cancel to view the initial Buy Funds screen appears.
5.
In the Fund Name field, tap the appropriate option.
6.
Tap Continue to view the next step of the process.
OR
Tap Back to view the previous Buy Funds screen appears.
7.
From the Investment Type list, tap the appropriate option.
8.
In the Amount or Units field, enter the amount to be invested / number of units to be purchased
for the mutual fund
9.
Tap Continue.
The Buy Funds – Verify screen appears.
OR
Tap Cancel to view the previous Buy Funds screen appears.
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Buy Funds – Verify
10.
Tap Confirm.
The Buy Funds – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Buy Funds screen appears.
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Buy Funds – Confirm
11.
Tap OK.
The initial Buy Funds screen appears.
20.2 View Order Status
Using this option, you can view the order status of mutual funds that you have initiated in the
application. You must select the Unit Holder and the status in the application to view the order
status of the mutual funds.
To view order status of mutual funds
1.
From the More menu, tap Mutual Funds, and then tap Order Status.
The Order Status screen appears.
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Order Status 1
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop-Down]
Indicates the name of the unit holder of the mutual fund.
Transaction
Reference Number
[Display, Hyperlink]
Displays the transaction reference number of an order.
Tap this hyperlink to view the corresponding order details.
Status
[Mandatory, Drop-Down]
Indicates the status of the mutual fund.
2.
From the Unit Holder list, tap the appropriate option.
3.
From the Status list, tap the appropriate option.
4.
Tap Submit.
The Order Status screen appears with details of the required mutual funds based on your
selected criteria.
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Order Status
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Mutual Funds
Order Status
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Mutual Funds
Order Status
Field Description
Field Name
Description
Order Status
Request received
on
[Display]
Displays the date on which the request for the mutual fund has
been received.
Transaction
Details
Unit Holder
[Display]
Displays the name of the unit holder.
Fund Name
[Display]
Displays the Fund ID of the mutual fund.
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Field Name
Description
Status
[Display]
This field displays the status of the fund.
Transaction Type
[Display]
Displays the transaction type of the mutual fund.
Transaction
Currency
[Display]
Transaction
Amount
[Display]
Transaction Units
[Display]
This field displays the currency of the transaction.
Displays the transaction amount of the mutual fund.
This field displays the units of the transaction.
Units Applied
[Display]
This field displays the number of units that you have applied for in
the order.
Reasons(If not
Allocated)
[Display]
This field displays the reasons if any, when the fund is not
allocated.
Payment Details
Payment Mode
[Display]
Displays the payment mode of the mutual fund.
Transfer Branch
[Display]
Displays the bank branch.
Transfer Account
[Display]
Displays the account number used for transfer, in the Account
Number – Branch format.
Payment Amount
[Display]
Displays the amount of payment, with the currency, for the mutual
fund
Drawee Bank
[Display]
Displays the drawee bank.
5.
Tap Back to view the previous screen.
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Mutual Funds
20.3 Redeem Funds
Using this option, you can redeem or sell a mutual fund of a particular AMC, from your mutual
fund portfolio in the application. You can make a full or partial redemption of the selected mutual
fund.
You must specify the redemption in terms of mutual fund units or in terms of amount to be
redeemed.
To redeem a mutual fund
1.
From the More menu, tap Mutual Funds, and then tap Redeem Funds.
The Redeem Funds screen appears.
Redeem Funds 1
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Mutual Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the Unit Holder ID of the mutual fund that you want to
redeem.
2.
From the Unit Holder list, tap the appropriate option.
3.
Tap View Holdings.
The Redeem Funds screen appears with mutual funds for the selected Unit Holder ID.
Redeem Funds 2
Field Description
Field Name
Description
Fund Name
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the mutual fund that you want to redeem.
4.
From the Fund Name list, tap the appropriate option.
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Mutual Funds
5.
Tap Place Order.
The Redeem Funds screen appears with number of units held and amount for the selected
mutual fund.
OR
Tap Back to view the previous screen.
Redeem Funds
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Mutual Funds
Redeem Funds
Field Description
Field Name
Description
Units Held
[Display]
Displays the number of units of the mutual held as on current date.
Amount
[Display]
Displays the market value of the investment as on date, with the
currency of the mutual fund.
Place an Order
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Mutual Funds
Field Name
Description
Redeem Type
[Mandatory, Drop-Down]
Indicates whether you want to redeem the mutual fund in terms of
amount or number of units.
The options are:
Amount/Units

Amount

Units
[Mandatory, Numeric, 15]
Indicates the amount or number of units to be redeemed for the
mutual fund.
The amount or units must be less than the amount or units that
you have bought for the mutual fund.
6.
From the Redeem Type list, tap the appropriate option.
7.
In the Amount or Units field, enter the amount to be invested / number of units to be purchased
for the mutual fund.
8.
Tap Submit.
The Redeem Funds – Verify screen appears.
OR
Tap Cancel.
The Redeem Funds screen appears with details to redeem the selected mutual fund.
Redeem Funds – Verify
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Mutual Funds
9.
Tap Confirm.
The Redeem Funds – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Redeem Funds screen appears with details to redeem the selected mutual fund.
Redeem Funds – Confirm
10.
Tap OK.
The initial Redeem Funds screen appears.
20.4 Switch Funds
Using this option, you can switch investments from one mutual fund to other mutual fund of the
same AMC and under the same Unit Holder Id in the application. You can switch either a part or
the total investment made in the mutual fund.
You must specify the switch details in terms of amount or in terms of units,
When you start a switch request of the mutual funds, units from the source mutual fund are
redeemed and units of the destination mutual fund are bought.
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Mutual Funds
To switch mutual funds
1.
From the More menu, tap Mutual Funds, and then tap Switch Funds.
The Switch Funds screen appears.
Switch Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the Unit Holder ID of the mutual fund that you want to
switch.
2.
Tap View Holdings.
The mutual fund holdings appear for the selected unit holder.
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Mutual Funds
Switch Funds
Field Description
Field Name
Description
Unit Holder
[Display]
Displays the name of the selected unit holder of the mutual fund.
Fund Name
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the fund that you want to redeem.
3.
Tap Place Order.
The Switch Funds screen appears for the selected fund.
OR
Tap Back to view the previous screen.
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Mutual Funds
Switch Funds 3
Field Description
Field Name
Description
Fund information
Unit Holder
[Display]
Displays the unit holder of the selected mutual fund.
Fund Name
[Display]
Displays the name of the selected mutual fund.
Units Held
[Display]
Displays the number of units available for redemption as on date.
Fund Amount
[Display]
Displays the market value available for redemption as on date,
with the currency of the mutual fund.
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Mutual Funds
Switch Funds 4
Field Description
Field Name
Description
Place an Order
Switch Type
Mandatory, Drop-Down]
Indicates whether you want to switch the mutual funds in terms of
amount or number of units.
The options are:
Amount/Units

Amount

Units
[Mandatory, Numeric, 15]
Indicates the amount to be invested / number of units to be
purchased for the mutual fund.
The amount must be in the range of minimum and maximum
amount for the mutual fund.
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Mutual Funds
Field Name
Description
To Fund
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the fund that you want to buy.
4.
From the Unit Holder list, tap the appropriate option.
5.
From the Fund Name list, tap the appropriate option.
6.
Tap Continue to view the next step of the process.
OR
Tap Cancel to view the initial Switch Funds screen appears.
7.
From the To Fund list, tap the appropriate option.
8.
From the Switch Type list, tap the appropriate option.
9.
In the Amount or Units field, enter the amount to be invested / number of units to be purchased
for the mutual fund
10.
Tap Submit.
The Switch Funds – Verify screen appears
OR
Tap Back to view the previous Switch Funds screen appears.
Switch Funds – Verify
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Mutual Funds
11.
Tap Confirm.
The Switch Funds – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Switch Funds screen appears.
Switch Funds – Confirm
12.
Tap OK.
The initial Switch Funds screen appears.
20.5 View Fund Portfolio
Using this option, you can view the details of all your mutual funds holdings in the application.
The system displays a pie chart to represent your current funds holdings for each unit holder.
You can also view your mutual fund investments related to a selected unit holder.
To view portfolio of mutual funds
1.
From the More menu, tap Mutual Funds, and then tap Portfolio.
The Portfolio screen appears.
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Mutual Funds
Portfolio
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop-Down]
Indicates the Unit Holder ID of the mutual fund for which you want
to see the portfolio.
2.
From the Unit Holder list, tap the appropriate option.
The Portfolio screen appears with portfolio details of the selected Unit Holder ID.
3.
Tap View Holdings.
The details of all your mutual funds in the application appear.
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Mutual Funds
Portfolio Details 1
Portfolio Details 2
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Mutual Funds
Field Description
Field Name
Description
Portfolio details
Unit Holder
[Display]
Displays the unit holder of the selected mutual fund.
Holding Fund
Details
Fund Name
[Display]
Displays the name of the selected mutual fund.
Fund Type
[Display]
Displays the type of the mutual fund.
Fund Currency
[Display]
Displays the currency of the mutual fund.
Units Held
[Display]
Displays the number of units held as on current date for the mutual
fund.
Amount in Fund
Currency
4.
[Display]
Displays the total mutual fund amount in the fund currency.
Tap Back to view the previous screen.
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Credit Cards
21. Credit Cards
21.1 Credit Card Summary and Details
Using this option, you can view recent transactions of all credit cards mapped to your account in
the application. You can also view the credit card details from the Credit Card Summary.
To view the credit card summary from the landing screen
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the required Credits link.
The Credit Card Details screen appears for all your credit card accounts in the application.
Credit Card Details
Field Description
Field Name
Description
Card Number
[Display]
Displays the credit card number or nickname, if any. of the credit
card account
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Credit Cards
Field Name
Payment Due Date
Description
[Display]
Displays the date on which at least minimum payment of last
statement amount is due.
Total Outstanding
[Display]
Displays the total outstanding amount on the credit card which
includes the billed amount and unbilled amount.
3.
Tap the required credit card account.
The details of the selected account appear.
OR
Tap Back.
The previous screen appears.
To view the credit card summary from the menu
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the required credit card account.
The Credit Card Details screen appears.
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Credit Cards
Credit Card Details
Field Description
Field Name
Description
Select Card
[Mandatory, Drop-Down]
Indicates the credit card number for which you want to view the
details.
3.
From the Select Card list, tap the appropriate option.
4.
Tap Submit.
The details of the selected credit card account appear.
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Credit Cards
Credit Card Details
Field Description
Field Name
Description
Credit Card
Details
Credit Card
Number
[Display]
Product Name
[Display]
Displays the credit card number for which the details are
displayed.
Displays the product name of the credit card.
Expiry Date
[Display]
Displays the expiry date of the credit card.
Reward Points
Available
[Display]
Displays the reward points available for the credit card
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Field Name
Description
Total Credit Limit
Display]
Displays the total amount of credit available on the card
Available Credit
Limit
Display]
Total Cash Limit
Display]
Displays the maximum amount the card holder can charge on the
card at present.
Displays the total amount that can be withdrawn from the card.
Available Cash
Limit
Display]
Total Unbilled
Amount
Display]
Displays the maximum amount available to be withdrawn from the
card at present.
Displays the total amount of all transactions done on the card after
the last statement generation date.
This amount is included in the next credit card statement.
Last Payment Date
Display]
Displays the date on which the last payment is made.
Last Payment
Amount
Display]
Displays the amount of last payment for the credit card.
Payment Due Details
Statement Date
Display]
Displays the date on which the last bill statement is generated.
Total Billed
Amount
Display]
Payment Due Date
Display]
Displays the total amount billed on the last statement.
Displays the date on which at least minimum payment of last
statement amount is due.
Minimum Amount
Due
5.
Display]
Displays the minimum amount due as per last statement.
Tap Back to view the previous screen.
21.2 Credit Card Statement
Using this option, you can generate statements for a specific month of a year for credit cards
mapped to your account in the application.
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Credit Cards
To view the credit card statement
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the Credits link.
The Credit Card Details screen appears for all your credit card accounts in the application.
3.
Tap the required account.
The details of the selected account appear.
OR
Tap Back to view the previous screen.
4.
Tap the PDF con.
The Statement Period screen appears.
Credit Card Generate Statement
Field Description
Field Name
Description
Select Credit Card
[Mandatory, Drop-Down]
Indicates the credit card number for which the statement is to be
generated.
Select Year
[Mandatory, Drop-Down]
Indicates the year for which statement is to be generated from
dropdown list.
Select Month
[Mandatory, Drop-Down]
Indicates the month for which statement to be generated from
dropdown list.
5.
From the Select Credit Card list, tap the appropriate option.
6.
From the Select Year list, tap the appropriate option.
7.
From the Select Month list, tap the appropriate option.
8.
Tap Submit.
The statement for selected credit card appears.
Credit Card Statement
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Field Description
Field Name
Description
Credit Card
Number
[Display]
Year
[Display]
Displays number of the credit card for which statement appears
Displays the year for which the credit card statement is generated.
Month
[Display]
Displays the month for which the credit card statement is
generated
Reward Points
Available
[Display]
Displays the reward points accumulated for the credit card.
Credit Card
Statement
Transaction Date
[Display]
Displays the date on which transaction is done.
Reference Number
[Display]
Displays the reference number for the transaction.
Transaction
Amount
[Display]
Description
[Display]
Displays the credit amount along with currency.
Displays the description of the credit card.
Debit/Credit
[Display]
Displays the transaction type whether debit or credit.
9.
Tap Credit Card Payment to make a payment for the credit card.
The Credit Card Payment screen appears.
21.3 Credit Card Payment
Using this option, you can make payments for your credit cards that you have registered with the
bank from any of your CASA accounts in the application. You can also provide the credit card
number of other credit cards of the bank and make an ad hoc payment for such credit cards.
For registered credit cards, you can choose to pay either the total due amount or the minimum
due amount.
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Credit Cards
To make credit card payment
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the required Credits link.
The Credit Card Details screen appears for all your credit card accounts in the application.
3.
Tap the required credit card account.
The details of the selected account appear.
OR
Tap Back.
The previous screen appears.
4.
Tap Credit Card Payment.
The Credit Card Payment screen appears.
Note: Alternatively, from the Pay Bill menu, and then tap Pay Credit Card Bill to view the Credit Card
Payment screen.
Credit Card Payment
Field Description
Field Name
Description
Card Type
[Mandatory, Drop-Down]]
Indicates a registered card or a new card number.
The options are:
Credit Card
Selection

Select Your Card

Select Card Number
[Conditional, Drop-Down]
Indicates your registered card for credit card payment.
This field appears if you tap the Select Your Card option from the
Card Type list.
Credit Card
Number
[Conditional, Alphanumeric ,10]
Indicates the credit card number for an unregistered credit card.
This field appears if you tap the Select Card Number option in the
Card Type list.
Source
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Field Name
Description
Select Account
[Mandatory, Drop-Down]
Indicates your account from which you want to make the payment.
Available Balance
[Display]
Displays the available balance of the selected source account.
Payment Details
Total Amount Due
[Optional, Option, Display]
Indicates that you want to pay the total bill amount of the card.
This field appears if you tap the Select Your Card option.
Displays the total bill amount for the credit card,
Minimum Amount
Due
[Optional, Option]
Indicates that you want to pay the minimum due amount for the
card.
This field appears if you tap the Select Your Card option.
Displays the minimum bill amount for the credit card,
Other Amount
[Mandatory, Option , Numeric,15]
Indicates that you want to pay the desired amount for the credit
card.
Indicates the required bill amount that you want to pay for the
credit card.
Payment Due Date
[Display]
Displays the due date of the credit card payment.
5.
From the Card Type list, tap the appropriate option.
a. If you tap the Select Your Card option:
i.
From the Credit Card Selection list, tap the appropriate option.
b. If you tap the Select Card Number option:
i.
In the Credit Card Number field, enter the credit card number for the unregistered
credit card.
6.
From the Select Account list, tap the appropriate option.
7.
In the Payment Details field, tap the appropriate option.
a. If you tap the Other Amount option:
i.
8.
In the Other Amount field, enter the required bill amount that you want to pay for the
credit card.
Tap Continue to view the next screen for the transaction.
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Credit Cards
9.
Tap Submit.
The Credit Card Payment – Verify screen appears.
OR
Tap Reset to clear all the details.
Credit Card Payment – Verify
10.
Tap Confirm.
The Credit Card Payment – Confirm screen appears.
OR
Tap Change.
The Credit Card Payment screen appears.
11.
Enter the transaction password and then tap OK.
The transaction reference number appears for the transaction.
Credit Card Payment – Confirm
12.
Tap Ok.
The initial Credit Card Payment screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
21.4 Credit Card Hotlisting
Using this option, you can generate service request for credit card hot listing in the application.
To create a new service request for credit card hotlisting
1.
From the More menu, tap Customer Services, and then tap New Service Request.
The Credit Card Hot Listing screen appears.
Credit Card Hot Listing
Field Description
Field Name
Description
Credit Card
[Mandatory, Drop-Down]
Indicates the number of credit card to be hot-listed.
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Field Name
Description
Reason
[Mandatory, Drop-Down]
Indicates the reason for requesting the credit card to be hot-listed.
Specify Reason
[Conditional, Alphanumeric, 35]
Indicates the specific reason for the service request.
To enable this field, tap the Other option, from the Reason list.
New Credit Card
Required
[Mandatory, Option]
Indicates whether a new card is required in place of the card being
hot-listed.
The options are:
Mode of Delivery

Yes

No
[Conditional, Option]
Indicates the mode of delivery for the new card.
The options are:

Branch

Courier
To enable this field, tap the Yes option, from the New Credit Card
Required field.
User Reference
[Optional, Alphanumeric, 25]
Indicates the reference number for future reference.
2.
From the Credit Card list, tap the appropriate option.
3.
From the Reason list, tap the appropriate option.
a. If you tap the Other option:
ii.
4.
In the Specify Reason field, enter the specific reason for the service request.
In the New Credit Card Required field, tap the appropriate option:
a. If you tap the Yes option:
i.
5.
In the Mode of Delivery, enter the mode of delivery for the new card.
Tap Submit.
The Service Request Verify screen appears.
OR
Tap Back.
The Credit Card Hot Listing screen appears.
Service Request Verify
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Credit Cards
6.
Tap Confirm.
The Service Request – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Credit Card Hot Listing screen appears.
7.
Tap Ok.
The initial Credit Card Hot Listing screen appears.
OR
Tap Save to save the transaction reference number.
OR
Tap Print to print the transaction reference number.
21.5 View Service Request
Using this option, you can view service request raised, along with the status of service request.
To view service requests
1.
From the More menu, tap Customer Services, and then tap View Service Request.
The Recent Service Request screen appears.
Recent Service Request
2.
Tap on the required service request to view the details.
The Service Request screen appears.
Service Request
Field Description
Field Name
Description
Reference No.
[Display]
Displays the transaction reference number when transaction
was initiated.
Transaction
[Display]
Displays the name of transaction.
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Credit Cards
Status
[Display]
Displays the status of the transaction.
Created By
[Display]
Displays the name of the person who has generated the
transaction.
Created On
[Display]
Displays the date on which request has been generated.
Updated By
[Display]
Displays the user name who updated the transaction.
Updated On
[Display]
Displays the date on which the transaction has been updated.
3.
Tap New Service Request to create new service request.
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Term Deposits
22. Term Deposits
You can open a term deposit in the application. You can also redeem the term deposit or add a
top-up amount to the term deposit.
22.1 Open Term Deposits
Using this option, you can open new term deposits in the application with funds from any of your
CASA accounts in the application.
When you open the term deposit, you can specify the term deposit product and maturity
instructions for the term deposit.
To open term deposit
1.
From the Deposits menu, tap Open Term Deposits.
The Open Term Deposits screen appears.
Open Term Deposit – 1
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Term Deposits
Open Term Deposit – 2
Open Term Deposit – 3
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Term Deposits
Open Term Deposit – 4
Open Term Deposit – 5
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Term Deposits
Open Term Deposit – 6
Open Term Deposit – 7
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Term Deposits
Field Description
Field Name
Description
Enter Deposit Details
Holding Pattern
[Mandatory, Option]
Indicates whether the ownership of the term deposit account is to
be single or joint.
The options are:
Joint Customer ID
1

Single

Joint
[Conditional, Alphanumeric, 20]
Indicates the Customer ID of the first joint account holder of the
term deposit.
This field appears if you tap the Joint option from the Holding
Pattern field.
Joint Customer ID
2
[Optional, Alphanumeric, 20]
Indicates the Customer ID of the second joint account holder of the
term deposit.
This field appears if you tap the Joint option from the Holding
Pattern field.
The Customer ID entered must be different from the Customer ID
of the first joint account holder of the term deposit.
Deposit Product
[Mandatory, Drop-Down]
Indicates the product name of the term deposit.
Source Account
[Mandatory, Drop-Down]
Indicates the account to be debited in order to open the term
deposit.
Currency
[Conditional, Drop-Down/Display]
Indicates the currency of the term deposit.
Displays the currency of the term deposit if a single currency is
supported for the term deposit.
Amount
[Mandatory, Decimal, 15]
Indicates the principal amount of the term deposit.
Minimum Deposit
Period
[Display]
Displays the minimum tenure for which term deposit can be
opened.
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Field Name
Description
Minimum Deposit
Period
[Display]
Minimum Deposit
Amount
[Display]
Maximum Deposit
Amount
[Display]
Choose
[Mandatory, Option]
Displays the maximum tenure for which term deposit can be
opened.
Displays the minimum deposit amount allowed for the term
deposit.
Displays the minimum deposit amount allowed for the term
deposit.
Indicates the maturity of the term deposit in terms of tenure or
maturity date.
The options are:

Tenure

Maturity Date
This field is not displayed if you tap a fixed tenure based term
deposit from the Deposit Product list.
Period of Deposit
[Conditional, Numeric, 2]
Indicates the tenure of the term deposit in terms of years, months
and days.
This field appears if you tap the Tenure option from the Choose
list.
Select Maturity
Date
[Display, Conditional, Pick List]
Displays the calculated maturity date of the term deposit if you tap
the Tenure option from the Choose list.
Indicates the maturity date of the term deposit if you tap the
Maturity Date option from the Choose list.
View Interest and
Maturity
Projection
[Hyperlink]
Displays the link to view Maturity Amount and Interest Rate of the
term deposit.
Tap Back to close the maturity projection.
Interest and Maturity Projection
Maturity Amount
[Display]
Displays the calculated maturity amount of the term deposit.
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Field Name
Description
Maturity Date
[Display]
Displays the calculated maturity date of the term deposit.
This field is applicable only for fixed tenure based term deposit.
Interest Rate
[Display]
Displays the interest rate of the term deposit.
2.
Tap Continue to view the next screen of the transaction.
Open Term Deposit - Maturity Instructions
Field Description
Field Name
Description
Maturity
Instructions
[Mandatory, Drop-Down]
Indicates the maturity instructions for the term deposit account
from the drop-down list.
The options are:
Account Transfer
Options

Close on maturity

Renew Principal and Interest

Renew Principal and Pay out interest

Renew special amount and pay out the remaining amount
[Mandatory, Drop-Down]
Indicates the account transfer options for the term deposit account.
The options are:

Own

Internal

Domestic
This field is optional if you tap the Renew Principal and Interest
option from the Maturity Instructions list.
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Field Name
Description
Maturity Account
[Mandatory, Alphanumeric, 20, Drop-Down]
Indicates the account number to which proceeds of the matured
term deposit to be transferred.
This field is optional if you tap the Renew Principal and Interest
option from the Maturity Instructions list.
Branch Details
The fields mentioned below appear if you tap the Internal option
from the Account Transfer Options list.
City
[Mandatory, Drop-Down]
Indicates the city of the bank where you want to transfer the funds
of the term deposit.
Branch
[Mandatory, Drop-Down]
Indicates the branch of the bank where you want to transfer the
funds of the term deposit.
Domestic Clearing
Network Details
The fields mentioned below appear if you tap the Domestic option
from the Account Transfer Options list.
Network Type
[Mandatory, Drop-Down]
Indicates the applicable domestic clearing networks to transfer the
funds of the term deposit.
Bank Code
[Display, Lookup]
Tap the Lookup icon to search and tap the bank & branch codes
for the selected domestic network.
Beneficiary Name
[Mandatory, Alphanumeric, 35]
Indicates the name of the beneficiary to whom funds are to be
transferred.
Special Amount
Details
This field mentioned below appears f you tap the Renew Special
Amount and Payout the Remaining Amount option from the
Maturity Instructions list.
Roll over Amount
[Conditional, Numeric, 15]
Indicates the amount that is to be rolled over for the term deposit.
3.
In the Holding Pattern field, tap the appropriate option.
a. If you tap the Joint option:
i.
In the Joint Customer ID 1 field; enter the Customer ID of the first joint account holder
of the term deposit.
4.
From the Deposit Product list, tap the appropriate option.
5.
From the Source Account list, tap the appropriate option.
6.
From the Currency list, tap the appropriate option.
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7.
In the Amount field, enter the principal amount of the term deposit.
8.
In the Choose field, tap the appropriate option.
a. If you tap the Tenure option:
i.
In the Period of Deposit field, enter the tenure of the term deposit in terms of years,
months and days.
b. If you tap the Maturity Date option:
i.
In the Select Maturity Date field, tap the maturity date of the term deposit.
9.
Tap the View Interest and Maturity Projection link to view maturity amount and interest rate of
the term deposit.
10.
Tap Continue to view the next step of the transaction.
11.
From the Maturity Instructions list, tap the appropriate option:
a. If you tap the Renew Special Amount and Payout the Remaining Amount option in the
Maturity Instructions list:
i.
12.
In the Roll over Amount field, enter the amount that is to be rolled over for the term
deposit.
From the Maturity Instructions list, tap any option other than the Renew Principal and Interest
option.
a. From the Account Transfer Options list, if you tap the Internal option.
i.
From the City list, tap the appropriate option.
ii.
From the Branch list, tap the appropriate option.
b. From the Account Transfer Options list, if you tap the Domestic option:
i.
From the Network Type list, tap the appropriate option.
ii.
In the Bank Code field, search and tap the bank & branch codes for the selected
domestic network.
iii.
In the Beneficiary Name field, enter the name of the beneficiary to whom funds are to
be transferred.
13.
Tap Submit.
The Open Term Deposit – Verify screen appears.
14.
Tap Confirm.
The Open Term Deposit – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Open Term Deposit screen appears.
15.
Tap OK.
The initial Open Term Deposit screen appears.
OR
Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
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Term Deposits
22.2 Redeem Term Deposits
Using this option, you can redeem your term deposit in the application.
To redeem term deposit
1.
From the Deposits menu, tap Deposit Redemption.
The Deposit Redemption screen appears.
Deposit Redemption
Field Description
Field Name
Description
Select Deposit
[Mandatory, Drop-Down]
Indicates the term deposit account that you want to redeem.
Total Term
Deposit (Base
Currency
Equivalent)
2.
[Display]
Displays the total amount in the selected term deposit account in
the base currency.
From the Select Deposit list, tap the appropriate option.
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Term Deposits
3.
Tap Submit.
The redemption details of the selected term deposit appear.
Deposit Redemption 1
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Term Deposits
Deposit Redemption 2
Field Description
Field Description
Field Name
Description
Account Number
[Display]
Displays the deposit account number.
Product Name
[Display]
Displays the product name of the term deposit.
Deposit Amount
[Display]
Displays the principal amount of the term deposit.
Interest rate
[Display]
Displays the interest rate of the term deposit.
Maturity date
[Display]
Displays the maturity date of the term deposit.
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Term Deposits
Field Name
Description
Tenure
[Display]
Displays the period of the term deposit.
Maturity
Instruction
[Display]
Current Principal
Amount
[Display]
Displays the maturity instruction for the term deposit.
Displays the current principal amount of the term deposit.
This field appears only for revised principal amount after top-up /
partial redemption.
Total Redeemable
Amount
[Display]
Charges/ Penalty
[Display]
Displays the total redeemable amount if deposit is redeemed on
the current date.
Displays charges /penalty in case the deposit is redeemed on the
current date.
Final Redeemable
Amount
4.
[Display]
Displays the net redeemable amount after deducting charges or
penalty amount.
Tap Redeem.
The Redeem Term Deposit screen appears with details required to redeem the selected term
deposit.
Tap Cancel.
The Redeem Term Deposit screen appears for the selected term deposit.
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Term Deposits
Deposit Redemption
Field Description
Field Name
Description
Redemption Type
[Mandatory, Drop-Down]
Indicates the type of redemption for the term deposit.
The options are:
Amount

Partial

Full
[Conditional, Alphanumeric]
Indicates the amount you want to redeem for the term deposit.
To enable this field, tap the Partial option, from the Redemption
Type list.
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Term Deposits
Field Name
Description
Transfer To
[Conditional, Drop-Down]
Indicates the account transfer options for the term deposit account.
The options are:

Own Account

Internal Bank Account

Domestic Clearing Network
This field appears if the maturity instruction of the term deposit is
other than Renew Principal and Interest.
Maturity Account
[Conditional, Alphanumeric, 20, /Drop-Down]
Indicates the account number to which proceeds are to be
transferred.
This field appears if the maturity instruction of the term deposit is
other than Renew Principal and Interest.
Branch Details
Branch Details
The fields mentioned below appear if you tap the Internal Bank
Account option from the Transfer To list.
City
[Mandatory, Drop-Down]
Indicates the city of the bank where you want to transfer the funds
of the term deposit.
Branch
[Mandatory, Drop-Down]
Indicates the branch of the bank where you want to transfer the
funds of the term deposit.
Domestic Clearing
Network Details
The fields mentioned below appear if you tap the Domestic
Clearing Network option from the Transfer To list.
Network Type
[Mandatory, Drop-Down]
Indicates the applicable domestic clearing networks to transfer the
funds of the term deposit.
Bank Code
[Mandatory, Display, Lookup]
Displays the bank and branch code of the destination bank
account.
Tap the Lookup icon to search and tap the available bank and
branch codes for the of the destination bank account.
Beneficiary Name
[Mandatory, Alphanumeric, 35]
Indicates the name of the beneficiary to whom funds are to be
transferred.
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Term Deposits
Field Name
Description
Bank Details
Bank Name
[Display]
Displays the name of the beneficiary bank.
Bank Address
[Display x2]
Displays the address of the beneficiary bank.
Bank City
[Display]
Displays the city of the beneficiary bank.
5.
From the Redemption Type list, tap the appropriate option.
a. If you tap the Partial option:
i.
In the Amount field, enter the amount you want to redeem for the term deposit.
6.
In the Maturity Account field, enter the account number to which proceeds are to be transferred.
7.
From the Transfer To list, tap the appropriate option.
a. If you tap the Internal Bank Account option:
i.
From the City list, tap the appropriate option.
ii.
From the Branch list, tap the appropriate option.
b. If you tap the Domestic Clearing Network option:
8.
i.
From the Network Type list, tap the appropriate option.
ii.
In the Bank Code field, tap the Lookup icon to search and tap the available bank and
branch codes for the of the destination bank account.
iii.
In the Beneficiary Name field, enter the name of the beneficiary to whom funds are to
be transferred.
Tap Submit.
The Redeem Term Deposit – Verify screen appears.
OR
Tap Back.
The Redeem Term Deposit screen appears with details required to redeem the selected term
deposit.
Redeem Term Deposit Verify
9.
Tap Confirm.
The Redeem Term Deposit – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Redeem Term Deposit screen appears.
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10.
Tap OK.
The initial Deposit Redemption screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
22.3 Top Up Term Deposits
Using this option, you can add a top –up amount to the principal amount of the term deposit. You
can also view the projected maturity amount after the top-up in the application.
To top-up term deposit
1.
Log on to the OBDX application.
The Accounts Overview – Total Position screen appears.
2.
From the Deposits menu, tap Deposit Details.
The Deposit Details screen appears.
3.
Tap the Active Term Deposit tab.
The Deposit Details screen appears for the active term deposit.
Select Term Deposit
Field Description
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Indicates the term deposit account for which you want a top –up
amount.
4.
From the Select Account list, tap the appropriate option.
5.
Tap Continue.
The Deposit Details screen appears for the selected term deposit.
OR
Tap Cancel.
The Total Position screen appears.
6.
Scroll to the bottom of the Deposit Details screen and then tap Top-Up Term Deposit.
The Top-Up Term Deposit screen appears.
7.
Scroll to the bottom of the screen and then tap Top-Up Term Deposit.
The Top-Up Term Deposit screen appears.
Top –Up Term Deposit
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Term Deposits
Field Description
Field Name
Description
Source Account
[Mandatory, Drop-Down]
Indicates the account to be debited in order to add a top-up
amount for the term deposit.
Top-up Amount
[Mandatory, Numeric, 15]
Indicates the top-up amount to be added to the term deposit.
Currency
[Display]
Displays the currency of the term deposit.
Narration
[Optional, Alphanumeric, 35]
Indicates the description of the transaction.
Minimum Top-up
Amount
[Display]
Maximum Top-up
Amount
[Display]
Top up amount in
Multiple of
[Display]
View Interest and
Maturity
Projection
[Hyperlink]
Displays the minimum top-up amount (with currency) permitted for
the term deposit.
Displays the maximum top-up amount (with currency) permitted for
the term deposit.
Displays top up amount in multiple of the given amount with
currency for the term deposit.
Displays the link to view Maturity Amount and Interest Rate of the
term deposit in a pop-up window after adding the top-up amount.
8.
From the Source Account list, tap the appropriate option.
9.
In the Top-up Amount field, enter the top-up amount to be added to the term deposit.
10.
Tap the View Interest and Maturity Projection link.
The Projected TD maturity after Top-up screen appears.
Projected TD maturity after Top-up
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Field Description
Field Name
Description
Top-up Amount
[Display]
Displays the top-up amount that you have entered for the term
deposit.
New Principal
Amount
[Display]
Maturity Amount
[Display]
Displays the calculated principal amount (as per Interest rate) as
on current date.
Displays the calculated maturity amount after top-up
Interest Rate
[Display]
Displays interest rate applicable after adding the top-up amount to
the term deposit.
11.
Tap Continue.
The Top-up Term Deposit – Verify screen appears.
OR
Tap Change.
The Top-up Term Deposit screen appears
Top-Up Term Deposit Verify
12.
Tap Confirm.
The Top-up Term Deposit – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Top-up Term Deposit screen appears.
13.
Tap Ok.
The initial Deposit Details screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
22.4 View Term Deposit Details
Using this option, you can view details of your term deposits in the application, including
redemption and top-up details, if any.
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Term Deposits
To view term deposit details from the menu
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
From the Deposits menu, tap Deposit Details.
The Deposit Details screen appears.
Deposit Details
Select Term Deposit
Field Description
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Indicates the term deposit account for which you want a top –up
amount.
3.
From the Select Account list, tap the appropriate option.
4.
Tap Continue.
The Deposit Details screen appears for the selected term deposit.
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Term Deposits
OR
Tap Cancel.
The Total Position screen appears.
To view the term deposit details from the landing screen
1.
Log on to the OBDX application.
The Total Position screen appears showing the total position of your accounts.
2.
Tap the Term Deposits account type.
The Account Summary screen appears for all your term deposit accounts in the application.
Account Summary – Term Deposits
3.
Tap the required account.
The details of the selected term deposit account appear.
OR
Tap Back to view the previous screen.
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Term Deposits
Deposit Details
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Term Deposits
Deposit Details 2
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Term Deposits
Deposit Details 3
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Term Deposits
Deposit Details 4
Field Description
Field Name
Description
Deposit Account Details
Product Name
[Display]
Displays the product description of the selected account
Deposit Account
Number
[Display]
Customer Id
[Display]
Displays the Account Number for the respective Deposit account in
the Account Number – Branch format
Displays the Customer Id of the Customer.
Account holder
name
[Display]
Displays the name of the primary account holder.
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Term Deposits
Field Name
Description
Joint Customer1
[Display]
Displays customer ID of each joint account holder in a pop-up
screen appears.
This field appears when Holding Pattern of the term deposit is
Joint.
Account holder
name1
[Display]
Displays name of the account holder for each joint account holder
in a pop-up screen appears.
This field appears only when you the Holding Pattern of the term
deposit is Joint.
Deposit Details
Maturity Amount
[Display]
Displays the maturity amount of the term deposit.
This field is applicable only for a conventional term deposit.
Maturity Date
[Display]
Displays the Maturity date of the Term deposit.
Interest Rate
[Display]
Displays the interest rate of the term deposit.
This field is applicable only for the conventional term deposit.
Principal Amount
[Display]
Displays the amount deposited in the term deposit account, with
the currency.
Deposit Date
[Display]
Displays the date of deposit in the Term deposit.
Current Principal
Amount
[Display]
Current Balance
[Display]
Displays the current principal amount (revised principal amount
after top-up / partial redemption) with currency.
Displays the calculated balance in the term deposit account as on
the current date.
This field appears only for active term deposit accounts.
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Term Deposits
Field Name
Description
Hold Amount
[Display]
Displays the hold amount for the term deposit as maintained by the
bank.
This field appears only for active term deposit accounts.
Value Date
[Display]
Displays the value date of the term deposit.
Term Deposit
Status
[Display]
Displays the status of the term deposit.
This field appears only for active term deposit accounts.
Term of Deposit
[Display]
Displays the tenure of the term deposit in terms of years, months
and days.
Deposit Certificate
Number
[Display]
Net Credit Amount
[Display]
Displays the unique Certificate Number of the term deposit.
Displays the amount that is credited on maturity of this deposit.
This field appears only for closed term deposit accounts.
Tax +
Penalty/other
Charges
[Display]
Displays the tax and other charges deducted on maturity of this
deposit.
This field appears only for closed term deposit accounts.
Maturity Instructions
Maturity
Instructions
[Display]
Rollover
Instructions
[Display]
Structured
Deposit Details
This section appears only if the Deposit is a Structured Deposit.
Displays the maturity instructions that you have given to be
executed at the time of maturity of the term deposit.
Displays the amount for rollover, if you have selected Rollover
instruction as Renew Special Amount and Pay out the Remaining
Amount.
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Term Deposits
Field Name
Description
Structured
Deposit Scheme
[Display]
Current Value
[Display]
Displays the name of the structured deposit scheme associated
with the deposit account.
Displays the current value with currency of the linked structured
deposit.
Subscription Date
[Display]
Displays the date of subscription for the structured deposit.
Term Deposit
Issue Date
4.
[Display]
Displays the date of issue for the term deposit.
Tap the View Details link in the Payout Details field to view payout details for the term deposit in
a pop-up screen appears.
Tap Close to close the Payout Details screen appears.
OR
Tap View Redemption Details to view the redemption details of the term deposit in a pop-up
screen appears.
Tap Back to view the Deposit Details screen appears.
OR
Tap View Top-up Details to view the top-up details of the term deposit in a pop-up screen
appears.
OR
Tap Top-up Term Deposit to view the Top –up Term Deposit screen appears.
OR
Tap Compose Mail to draft a mail.
OR
Tap Back to view the initial Deposit Details screen appears.
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Term Deposits
Payout Details
Field Description
Field Name
Description
Payout Details
Payout Type
[Display]
Displays the payout options for the term deposit.
Percentage
[Display]
Displays the percentage for payout.
Additional
Information
[Display]
Displays the account number.
Redemption Details
Field Description
Field Name
Description
Redemption Details
Redemption Date
[Display]
Displays the date on which redemption is done for the term
deposit.
Redemption
Amount
[Display]
Redemption
Reference Number
[Display]
Displays the redeemed amount, with currency, for the term
deposit.
Displays the Redemption Reference Number, after redemption.
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Term Deposits
Field Name
Description
Redemption Type
[Display]
Displays Partial as the redemption type for the term deposit.
Pay Out Mode
[Display]
Displays payout mode selected for redemption for the term
deposit.
The options available are:
Additional
Information

Transfer to Internal Bank Account

Transfer through Domestic Clearing Network

Issue a demand Draft
Display]
Displays account number or draft details as per the applicable
payout option.
Top-up Details
Field Description
Field Name
Description
Top-up Details
This section appears only if you have done any top-up on the
selected term deposit.
Top-up Date
[Display]
Displays the date on which top-up is done for the term deposit.
Top-up Amount
[Display]
Displays the top-up amount, with currency, for the term deposit.
Top-up Reference
Number
[Display]
Revised Principal
Amount
[Display]
Displays the Top-up Reference Number, after top-up.
Displays the principal amount after top-up is done for the term
deposit.
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Term Deposits
Field Name
Description
Revised Maturity
Amount
[Display]
Narration
[Display]
Displays the maturity amount after top-up is done for the term
deposit.
Displays the description that you have entered during the top-up
transaction for the term deposit.
5.
Tap the PDF icon to generate the account statement for the term deposit.
Note: For more information about generating an ad hoc account statement, see Ad hoc Statement
section in this User Manual.
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Contract Deposits
23. Contract Deposits
Using this option, you can view the details of active contract deposits mapped to your account in
the application.
The details displayed for the contract deposit include the contract number, currency, bank branch,
product interest rate as well as interest and principal instructions.
To view the contract deposit details from the menu
1.
Log on to the OBDX application.
The Accounts Overview – Total Position screen appears.
2.
From the Deposits menu, Contract Deposits.
3.
Tap Deposits from the menu and then tap Contract Deposits.
The Account Summary screen appears for all your contract deposit accounts in the application.
Contract Deposits
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Contract Deposits
Field Description
Field Name
Contract Deposits
Description
[Mandatory, Drop-Down]
Indicates the contract term deposit account number.
4.
From the Contract Deposit list, tap the appropriate option.
5.
Tap Submit.
The Deposit Details screen for the selected contract deposit account appears.
OR
Tap Back.
The Account Summary screen appears for all your contract deposit accounts in the application.
Contract Deposit Details
Field Description
Field Name
Description
Deposit Details
Contract Deposit
[Display]
Displays the contract deposit number.
Current Balance
[Display]
Displays the balance of the contract deposit.
Deposit Date
[Display]
Displays the deposit date of the contract deposit.
Maturity Date
[Display]
Displays the maturity date of the contract deposit.
Interest Rate
[Display]
Displays the interest rate of the contract deposit.
Interest Accrued
till Date
[Display]
Product Name
[Display]
Displays the accrued interest till date of the contract deposit.
Displays the product name of the contract deposit.
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Contract Deposits
Field Name
Description
Customer Id
[Display]
Displays the Customer ID associated with the contract deposit.
Interest Instructions
Interest
Instructions
[Display]
Account
[Display]
Displays the interest instructions of the contract deposit.
Displays the account number of the contract deposit.
Maturity Instructions
Rollover
Instructions
[Display]
Rollover Amount
[Display]
Displays the roll over instructions for the contract deposit.
Displays the rollover amount, if any, for the contract deposit.
Account
[Display]
Displays the account number of the contract deposit.
6.
Tap Back.
The Total Position screen appears.
To view the account details from the landing screen
1.
Log on to the OBDX application.
The Accounts Overview – Total Position screen appears.
2.
Tap the Contract Deposit link.
The Account Summary screen appears for all your contract deposit accounts in the application.
Account Summary Contract Deposits
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Contract Deposits
Field Description
Field Name
Contract Number
Description
[Display, Hyperlink]
Displays Deposit Contract numbers for the contract deposit account.
Displays the link to view more details of the contract deposit
account.
Current Balance
[Display]
Displays the current balance in the account currency for the
selected contract deposit account.
Currency
[Display]
Displays the currency of the selected contract deposit account.
Description
[Display]
Displays the product description of the selected contract deposit
account.
3.
Tap the required Contract Number link.
The Deposit Details screen for the selected contract deposit account appears.
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Contract Deposits
Contract Deposit Details 1
Field Description
Field Name
Description
Deposit Details
Contract Deposit
[Display]
Displays the contract deposit number.
Current Balance
[Display]
Displays the balance of the contract deposit.
Deposit Date
[Display]
Displays the deposit date of the contract deposit.
Maturity Date
[Display]
Displays the maturity date of the contract deposit.
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Contract Deposits
Field Name
Description
Interest Rate
[Display]
Displays the interest rate of the contract deposit.
Interest Accrued
till Date
[Display]
Product Name
[Display]
Displays the accrued interest till date of the contract deposit.
Displays the product name of the contract deposit.
Customer Id
[Display]
Displays the Customer ID associated with the contract deposit.
Interest Instructions
Interest
Instructions
[Display]
Account
[Display]
Displays the interest instructions of the contract deposit.
Displays the account number of the contract deposit.
Maturity Instructions
Rollover
Instructions
[Display]
Rollover Amount
[Display]
Displays the roll over instructions for the contract deposit.
Displays the rollover amount, if any, for the contract deposit.
Account
[Display]
Displays the account number of the contract deposit.
4.
Tap Back.
The Total Position screen appears.
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Budget Management
24. Budget Management
You can use the budget management feature to plan a budget against your expenses. You can
create, modify and delete a budget, and track the progress of budget. The application also
includes a budget calculator to find the total savings after all your expenditure is compared with
your income.
To view budget calculator
Using this calculator, you can view total savings by comparing your monthly income and total
monthly savings and expenditure.
1.
From the Calculators menu, tap Budget Calculator, on the login screen or on the Total
Position screen appears.
The Budget Calculator screen appears.
Budget Calculator
2.
In the Total monthly Income field, enter your monthly income.
3.
Enter the required values in the appropriate fields of the Budget Calculator
4.
Tap Calculate Savings.
The details for your potential monthly savings appear.
OR
Tap Reset to clear the data in the Budget Calculator.
OR
Tap the Set Budget icon to create a budget in the application.
OR
Tap the Compare icon to compare your budget with peers.
Note: You must register for (if you are a new user) or login to the application if you want to create or
compare a budget in the application.
24.2 Create a Budget
Using this option, you can create a budget in the application to keep track of your monthly
expenses.
To create a budget
1.
Login to the IPhone-based application.
2.
From the More menu, tap Manage Finances, tap Budget, and then tap Set Budget.
The Set Budget screen appears.
Set Budget
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Budget Management
Field Description
Field Name
Description
Period of your
budget
[Mandatory, Selection List]
RollOver Budget
[Optional, Check Box]
Indicates the period of the budget.
Indicates whether the budget is rolled over to the next month.
Categories
[Optional, Drop-Down]
Indicates a category for your budget.
Total
[Optional, Alphanumeric , 15]
Indicates the total amount for the budget category.
Sub Categories
[Display]
Displays the subcategories for the selected category.
3.
In the Period of your budget field, tap the appropriate option.
4.
Tap Save and Continue to save details entered for the selected category.
5.
Enter the required values for other budget categories.
6.
Tap Complete.
The Budget- Confirm screen appears the transaction reference number.
7.
Tap OK.
The Set Budget screen appears.
Edit a Budget
Using this option, you can view, modify or delete the budgets that you create in the application
from the Set Budget screen appears.
To view a budget from the Set Budget screen
1.
From the More menu, tap Manage Finances, tap Budget, and then tap Set Budget.
The Set Budget screen appears.
Note: If you have already created budgets in the application, pop-up screen appears to allow you to either
view or modify existing budgets.
2.
Tap View budget in the pop-up screen to view the details of the budget.
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Budget Management
Expenses Vs Budget
3.
Tap Modify.
The Set Budget screen appears in which you can update the details of the budget.
OR
Tap Delete to delete the budget from the application.
OR
Tap Compare to compare the budget with peers.
To modify a budget from the Set Budget screen
4.
From the More menu, tap Manage Finances, tap Budget, and then tap Set Budget.
The Set Budget screen appears.
Note: If you have already created budgets in the application, a pop-up screen appears to allow you to
either view or modify existing budgets.
5.
Tap Modify.
The Set Budget screen appears in which you can update the details of the budget.
Field Description
Field Name
Description
Period of your
budget
[Optional, Drop-Down]
RollOver Budget
[Optional, Check Box]
Indicates the period of the budget.
Indicates whether the budget is rolled over to the next month.
Categories
[Optional, Drop-Down]
Indicates a category for your budget.
Total
[Optional, Alphanumeric , 15]
Indicates the total amount for the budget category.
Sub Categories
[Display]
Displays the subcategories for the selected category.
6.
Modify the required details of the budget and tap Save and Continue to save details entered for
the selected category.
7.
Tap Submit.
Your budget for the selected budget category is saved.
Compare Expenses and Budget
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Budget Management
Using this option, you can compare budget and the expenditure for the current or specific month
for the respective categories and sub categories of a budget.
To compare expenses and budget
1.
From the More menu, tap Manage Finances, tap Budget, and then tap Expenses vs Budget.
The Expenses vs Budget screen appears.
Expenses Vs Budget
Field Description
Field Name
Category
Description
[Display]
Displays the name of the category and sub category along with the
graph for the expenses Vs the budget.
Amount
[Display]
Displays the amount for expenditure Vs the budget for the category
and sub category.
Expenditure graph
[Display]
Displays the expenditure line graph
Disclaimer
[Display]
Displays the text to let you know the number of categories for which
the budget is not maintained but expenditure is done.
2.
Tap Modify.
The Set Budget screen appears.
Note: You cannot modify the period of the budget on this screen appears.
3.
Tap the Compare icon on the Expenses vs Budget screen appears.
The benchmarking screen appears with data as defaulted from your profile.
4.
Tap Expand on the Expenses vs Budget screen appears.
The budgets and expenses set for the sub categories.
5.
Tap Collapse on the Expenses vs Budget screen appears.
The budgets and expenses displayed for the sub categories close.
Note: If a month does not have a budget, tap Create Budget on the Expenses vs Budget screen
appears to create a budget for the month.
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Budget Management
View Budget History
Using this option, you can view the budgets of previous months, if any.
To view budget history
1.
From the More menu, tap Manage Finances, tap Budget, and then tap Expenses vs Budget.
The Expenses vs Budget screen appears.
2.
Tap a previous month on the Expenses vs Budget screen appears.
The budget details for the categories and sub categories appear.
3.
Tap the Budget History icon.
The budget details for the categories and sub categories appear.
Delete a Budget
Using this option, you can delete a budget for the selected month.
To delete a budget
1.
From the More menu, tap Manage Finances, tap Budget, and then tap Expenses vs Budget.
The Expenses vs Budget screen appears.
2.
Tap Delete.
The Delete Budget screen appears.
3.
Tap OK.
The selected budget is deleted from the application.
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Goal Setting
25. Goal Setting
Goals in the application are financial goals that you want to achieve in a specified period of time.
You can use the Goal Setting feature of the application to use the Goal Calculator. You can know
your investment targets to reach your specified financial goals in a specific period of time, using
the Goal Calculator.
You can create, view or modify a goal. You can also make contributions to the goal from your
selected account in the application. You can redeem a goal if required. You can also add
participants to your goals who will also contribute to your goal using their accounts in the
application.
In the application, you can also share your goals with friends and family using social media. If
they also use the application, you can send them a request for contributing towards your goals,
using social media.
You can also contribute to the goals of other users if they have assigned you as the goal
participant or send a social media request for goal contribution.
You can also compare goals with that of peers and analyze the results.
As a registered user or visitor to the application you can only use the Goal Calculator and
compare goals in the application.
25.1 View Goal Calculator
Using this calculator, you can view investment targets to reach your specified financial goals in a
specific period of time, given a rate of interest for your proposed investments.
To view goal calculator
1.
From the Calculators menu, tap Goal Calculator, on the login screen or on the Total Position
screen appears.
The Goal Calculator screen appears with these three sections divided across three screen
appears.

What are you saving for?

How do you want to keep saving towards your goal?

Set your goal tenure
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Goal Setting
Goal Calculator
Field Description
Field Name
Description
What are you saving for?
Name your goal
[Mandatory, Alphanumeric, 40]
Indicates the name for the goal.
Set an amount
[Mandatory, Alphanumeric, 15]
Indicates the amount for the goal.
Choose category
[Optional, Drop-Down]
Indicates the category of the goal.
How do you want to keep saving towards your goal?
Amount you wish to start with [Mandatory, Alphanumeric, 15]
Indicates the initial deposit amount.
How often would you like to
contribute?
[Mandatory, Drop-Down]
Indicates the frequency of your contribution.
Set your goal tenure
Tenure (In Months)
[Mandatory , Pick List]
Indicates the duration of the goal.
2.
In the Name field, enter the name of the goal.
3.
In the Set an amount field, enter the amount for the goal.
4.
In the Amount you wish to start with field, enter the initial deposit amount for the goal
5.
From the How often would you like to contribute? list, tap the appropriate option.
6.
In the Tenure (In Months) field, tap the duration of the goal.
7.
Tap Continue after entering the required details at the end of each section.
8.
Tap Calculate.
Your goal based on your specifications appears.
OR
Tap Cancel.
The Total Position screen appears.
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Goal Setting
Goal Calculator - Result
Field Description
Field Name
Result
Description
[Display]
Displays the text:
If you save <amount with currency> every <frequency> you will be
able to reach your goal '<Goal Name>' of <amount with currency> in
<time period in months> at interest rate of <rate of interest>
9.
Tap Back.
The Goal Calculator screen appears.
25.2 Create a Goal
Using this option, you can create a financial goal in the application. You can set specific
contribution towards the goal from one account at regular intervals for the tenure of the financial
goal. After the completion of the tenure of the goal, you can then transfer the accumulated
contributions to another account through domestic transfer options.
To create a goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap Create Goal.
The Create Goal screen appears.
Create Goal
Field Description
Field Name
Description
What are you saving for?
Change Image
[Mandatory, Display, Lookup]
Set the image to be assigned to the goal.
Tap the Look up icon to search and tap an image for the goal.
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Goal Setting
Name your goal
[Mandatory, Alphanumeric, 40]
Indicates the name for the goal.
Choose a category
[Optional, Drop-Down]
Indicates the category of the goal.
Choose a sub
category
[Optional, Drop-Down]
Set target amount
[Mandatory, Alphanumeric, 15]
Indicates the category of the goal.
Indicates the amount for the goal.
Choose
[Mandatory, Option]
Indicates that you want to set the end date of the goal either by tenure
or by maturity date.
The options are:
Set target date

Tenure

Set Date

Default Set date
[Conditional, Pick List]
Indicates the end date of the goal.
This field appears if you tap the Set Date option from the Choose list.
Set Tenure
[Conditional, Drop-Down]
Indicates the tenure of the goal in terms of years, months, and days.
This field appears if you tap the Tenure option from the Choose list.
You can either enter the tenure or the end date for the goal.
2.
In the Change Image field, tap the Look up icon to search and tap an image for the goal.
3.
In the Name your goal field, enter the name of the goal.
4.
In the Set target amount field, enter the amount for the goal.
5.
In the Choose field, tap the appropriate option.
a. If you tap the Set Date option:
i.
In the Set target date field, tap the end date of the goal.
b. If you tap the Tenure option:
i.
From the Set Tenure list, tap the appropriate option.
6.
Tap View T & C to see the terms and conditions of use.
7.
To accept all terms and conditions of use, tap the Terms & Conditions check box.
8.
Tap OK.
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Goal Setting
9.
Tap Continue.
The screen appears for the second step of goal creation.
OR
Tap Back to view the previous screen.
Create Goal- Step 2
Field Description
Field Name
Description
Amount you wish to start with
Amount
[Mandatory, Alphanumeric, 15]
Indicates the amount to be credited to the goal.
Funding Account
Number
[Mandatory, Drop-Down]
Indicates the account number from which funds are to be credited to
the goal.
10.
In the Amount field, enter the amount to be credited to the goal.
11.
From the Funding Account Number list, tap the appropriate option.
12.
Tap Next.
The screen appears for the third step of goal creation.
OR
Tap Back to view the previous screen.
Create Goal- Step 3
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Goal Setting
Field Description
Field Name
Description
How regularly you wish to wish to contribute
Funding Account
Number
[Optional, Drop-Down]
Indicates the account number from which funds are to be credited to
the goal.
By default, the account number you selected in the second step of
goal creation appears.
Frequency
[Optional, Drop-Down]
Indicates the frequency of regular contributions to the goal. The
options include:
Amount

Daily

Fortnightly

Monthly

Quarterly

Half yearly

Yearly
[Optional, Alphanumeric, 15]
Indicates the amount to be debited for regular contribution towards the
goal.
Start Date
[Optional, Pick List]
Indicates the start date for regular contribution towards the goal.
End Date
[Optional, Pick List]
Indicates the end date for regular contribution towards the goal.
13.
Tap Next.
The screen appears for the fourth step of goal creation.
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Goal Setting
Create Goal- Step 4 Transfer Amount to User Mapped Accounts
Field Description
Field Name
Description
How do you wish to receive the amount on completion of tenure?
Note: This is an optional section.
Account Transfer
Option
[Mandatory, Drop-Down]
Account Number
[Mandatory, Drop-Down]
Indicates the account transfer options for transfer of amount on
completion of the tenure of the goal.
Indicates the account number for transfer of amount on completion of
the tenure of the goal.
Beneficiary Name
[Mandatory, Alphanumeric, 35]
Indicates the name of the beneficiary to whom funds are to be
transferred.
Network Type
[Mandatory, Drop-Down]
Indicates the domestic transfer network for the funds transfer.
Bank Code
[Mandatory, Search, Display]
Indicates the bank code for the selected account.
Tap the Lookup icon to search and tap the bank code of the account
for transfer of amount on completion of the tenure of the goal.
Bank Name
[Optional, Display]
Displays the name of the bank based on your selected bank code for
the funds transfer.
Bank Address
[Optional, Display]
Displays the address of the bank based on your selected bank code
for the funds transfer.
City
[Optional, Display]
Displays the city of the bank based on your selected bank code for the
funds transfer.
Branch
[Optional, Display]
Displays the branch of the bank based on your selected bank code for
the funds transfer.
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Goal Setting
14.
Tap Submit.
The Create Goal – Verify screen appears.
OR
Tap Reset to clear all data.
Create Goal – Verify
15.
Tap Confirm.
The Create Goal – Confirm screen appears.
OR
Tap Change.
The Create Goal screen appears.
16.
Tap Change to modify any details and then verify all the details and tap Confirm.
The system creates the goal in the application.
17.
Tap Ok.
The initial Create Goal screen appears.
25.3 View Goal Summary
Using this option, you can view the summary of all your goals in the application.
To view goal summary
1.
Tap Accounts in the Total Position screen.
OR
Tap the amount in the I Have /I Owe field.
The Accounts Overview screen appears.
2.
Tap the Goals link.
The Account Summary screen appears for all your goals in the application.
Account Summary- Goals
Field Description
Field Name
Description
Goal Name
[Display, Hyperlink]
Displays the name of the goal.
Displays the link to view the more details of the goal.
Available Balance
[Display]
Displays the current balance in the goal.
3.
Tap the required goal name under the required tab.
The View Goal screen appears with details of the selected goal.
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Goal Setting
25.4 View Goals
Using this option, you can view all your goals in the application. These goals include:

Goals that you create in the application

Goals in which you are a participant.
Note: You can view the list of all your created goals and balances for each such goal in the account
summary screen.
To view goals that you have created in the application
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap the My Goals tab.
3.
Tap the required goal that you have created.
The View Goal screen appears for the selected goal.
View Goal
Field Description
Field Name
Goal owner
Description
[Display]
Displays the name of the goal creator.
‘Goal Name’/ Goal
image
[Display, Hyperlink]
Displays the name and the image associated with the goal.
Displays the link to view more details of the goal.
Current Savings
[Display]
Displays the current balance available for the goal
Still to achieve
[Display]
Displays the difference between the goal amount and the current
balance available for the goal.
Goal amount
[Display]
Displays the amount set for the goal.
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Goal Setting
Field Name
Circular progress
bar
Description
[Display]
Displays a progress bar which depicts the current achievement in
percentage with respect to the amount set for the goal.
4.
Tap Add New Goal to create a goal.
5.
Tap Actions.
The list of these actions for your created goal appears.

Fund the goal

Edit the goal

Redeem the goal

Request a contribution for the goal

Share the goal

View participants in the funding of the goal

View transactions for the goal

Compare goals with peers

View more details of the goal
Other options for goals
To view goals in which you are a participant
6.
Tap the Joint Goals tab.
OR
Tap the Shared Goals tab.
7.
Tap the required goal in which you are a participant.
8.
Tap Add New Goal to create a goal in which you are the participant.
9.
Tap Actions.
The list of these actions for your goal appears.

Fund the goal

Edit the goal

View transactions for the goal

Request a contribution for the goal
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Goal Setting
To view more details of a goal
1.
Tap the required goal.
2.
From the Actions menu, tap More Details.
The View Goal screen appears with more details of the goal.
Goal – More Details
Field Description
Field Name
Description
View Goal
Goal Name
[Display]
Displays the name of the goal.
Category
[Display]
Displays the category of the goal.
Sub Category
[Display]
Displays the sub-category of the goal.
Target
[Display]
Displays the amount of the goal.
Target Date
[Display]
Displays the end date of the goal.
Tenure
[Display]
Displays the tenure of the goal.
Saved
[Display]
Displays the current balance (including the earned interest) of the
goal.
Still to achieve
[Display]
Displays the difference between the target and saved amount.
Initial amount you started with
Amount
[Display]
Displays the initial funding amount of the goal.
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Goal Setting
Field Name
Account Number
Description
[Display]
Displays the account number from which funds will be debited for
initial funding of the goal.
How often are you contributing
Funding account
number
[Display]
Frequency
[Display]
Displays the funding account number of the goal.
Displays frequency or regular contribution of the goal.
Amount
[Display]
Displays the amount for regular contribution of the goal.
Start Date
[Display]
Displays the end date of the goal.
End Date
[Display]
Displays the end date of the goal.
How do you wish to receive the amount on completion of tenure
Account Transfer
Options
[Display]
Account
[Display]
Displays the account transfer option of the goal.
Displays the account number for funds transfer for the goal.
City
[Display]
Displays the city of account for funds transfer for the goal.
Branch
[Display]
Displays the branch of account for funds transfer for the goal.
3.
Tap Back to view previous screen.
25.5 Modify a Goal
Using this option, you can modify all your goals in the application. These goals include:

Goals that you create in the application

Goals in which you are a participant.
To modify a goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
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Goal Setting
2.
Tap a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
From the Actions menu, tap Edit.
The Edit Goal screen appears.
Edit Goal
4.
Modify the required details of the goal and then tap Update.
The Edit Goal – Verify screen appears.
Edit Goal Verify
5.
Tap Confirm.
The Edit Goal – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Edit Goal screen appears.
6.
Tap Ok.
The initial View Goal screen appears.
25.6 Fund a Goal
Using this option, you can make an ad hoc or regular contribution to all your goals in the
application. These goals include:

Goals that you create in the application

Goals in which you are a participant.
To fund a goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
From the Actions menu, tap Fund.
The Fund Goal screen appears.
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Goal Setting
Fund Goal
Field Description
Field Name
Funding Account
Description
[Optional, Drop-Down]
Indicates the account number from which funds are to be credited to
the goal.
Amount
[Optional, Alphanumeric]
Indicates the amount to be credited to the goal.
Payment Schedule
[Optional, Drop-Down]
Indicates whether you want to give the goal contribution amount now
or at a later date
Payment Date
[Optional, Pick List]
Indicates the date you want to give the goal contribution.
4.
Enter the required details of the goal and then tap Submit.
The Fund Goal – Verify screen appears.
Fund Goal – Verify
5.
Tap Confirm.
The Fund Goal – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Fund Goal screen appears.
6.
Tap Ok.
The initial View Goal screen appears.
OR
Tap Save to save the transaction reference number.
OR
Tap Print to print the transaction reference number.
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Goal Setting
25.7 Add and Modify Goal Participants to Your Goal
Using this option, you can add other users of the application as participants to your goal. These
participants can:

Fund the goal

Edit the goal

View transactions for the goal

Request a contribution for the goal
You can add other users of the application as participants to your goal.
To add participants to your goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals tab.
The View Goal screen appears for the selected goal.
3.
From the Actions menu, tap Participants.
The Goal Participants screen appears, showing e-mail addresses of existing goal participants, if
any.
Goal Participants
4.
Tap the Add new participant icon.
5.
Enter the e-mail address of the person who you want as a goal participant.
6.
Tap Submit.
The Reference Number and Security Code for request for adding the goal participant appear.
Ensure that you share these numbers with the new goal participant.
7.
Tap Ok.
The initial View Goal screen appears.
Modify existing participants to your goal
Using this option, you can modify the e-mail address of the goal participant to your goal.
To modify existing participants to your goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals tab.
The View Goal screen appears for the selected goal.
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Goal Setting
3.
From the Actions menu, tap Participants.
The Goal Participants screen appears, showing e-mail addresses of existing goal participants, if
any.
4.
Tap the Edit icon.
5.
Modify the required e-mail address.
6.
Tap Done.
The required e-mail address is updated
Delete existing participants to your goal
Using this option, you can delete existing goal participants to your goal by deleting the required
email address.
To delete existing participants to your goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals tab.
The View Goal screen appears for the selected goal.
3.
From the Actions menu, tap Participants.
The Goal Participants screen appears, showing e-mail addresses of existing goal participants, if
any.
4.
Tap the Edit icon.
5.
Tap the icon next to the required e-mail address.
6.
Tap Delete and then tap Done.
The required e-mail address is removed from the application.
Accept goal participant request
You can accept a goal participant goal request by tapping the link that you receive in your e-mail
in.
To accept goal participant request
1.
Tap on the link that you receive from the goal owner.
2.
Ensure that your e-mail address is correct.
3.
Modify the e-mail address if required.
4.
Enter the Reference Number and Security Code shared with you by the goal owner.
5.
Tap Continue.
6.
Tap View T & C to view terms and conditions of use.
7.
To accept all terms and condition s of use, tap the I Accept Terms & Conditions check box.
25.8 View Transactions for a Goal
Using this option, you can view all transactions for all your goals in the application
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Goal Setting
You can make an ad hoc or regular contribution to all your goals in the application. These goals
include:

Goals that you create in the application

Goals in which you are a participant
To view transactions for a goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
From the Actions menu, tap Transactions.
The Goal Transaction screen appears.
Goal Transaction
Field Description
Field Name
Date
Description
[Display]
Displays the date on which the transaction has been executed.
Narration
[Display]
Displays a brief description of the transaction for the goal.
Deposit
[Display]
Displays the amount deposited to the account for the goal.
Withdrawal
[Display]
Displays the amount debited from the account for the goal.
Balance
[Display]
Displays the current balance in the account for the goal.
Contributed by
[Display]
Displays the name of the contributor for the goal.
4.
Tap Back to view the previous screen
OR
Tap the Save icon to save the goal transaction details in txt format.
OR
Tap the Print icon to print all the goal transaction data.
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25.9 Share a Goal and Request Goal Contributions
Using this option, you can share details of all goals that you create in the application with your
Facebook friends. You can also send a request for contributions towards goals that you create
and goals for which you are a goal participant.
To share a goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
From the Actions menu, tap Share.
The Share Goal screen appears.
Share Goal
Field Description
Field Name
Description
Choose image to be
assigned to the goal
[Mandatory, Option]
Indicates that you want to tap the image that you have assigned
to the goal or tap an image for the goal from the default images
assigned to a goal category
The options are:
Personalised message

Image assigned by you to the goal

Default image
[Optional, Text , 120]
Indicates the specific message that you want to post along with
the goal on the social media website.
4.
In the Choose image to be assigned to the goal field, tap the appropriate option.
5.
Tap Connect to view the Facebook sign in page.
6.
Enter your username and password for Facebook and then tap Login.
7.
Tap names of your Facebook friends with whom you want to share the goal.
8.
Tap Done.
Your goal is shared with your selected Facebook friends.
9.
Tap Ok.
The previous screen.
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Request contribution to your goal
Using this option, you can request contributions for your goal using Facebook.
To request contribution to your goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals tab.
3.
From the Actions menu, tap Request Contribution.
The Request Contribution screen appears.
Request Contribution
Field Description
Field Name
Description
Choose image to be
assigned to the goal
[Mandatory, Option]
Indicates that you want to tap the image that you have assigned
to the goal or tap an image for the goal from the default images
assigned to a goal category
The options are:
Personalised message

Image assigned by you to the goal

Default image
[Optional, Text , 120]
Indicates the specific message that you want to post along with
the goal on the social media website.
4.
In the Choose image to be assigned to the goal field, tap the appropriate option.
5.
Tap Connect to view the Facebook Sign in page.
6.
Enter your username and password for Facebook and then tap Login.
7.
Tap names of your Facebook friends from whom you want goal contribution.
8.
Tap Done.
Your request for contribution towards your goal is sent to your selected Facebook friends.
9.
Tap Ok.
The previous screen appears.
Contribute to another User’s Goal
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Goal Setting
Using this option, you can transfer funds towards the goals of other users. These goals have to
be shared with you through Facebook. You must receive a request on Facebook for contribution
from the owner of the goal in the application.
To contribute to another user’s goal
1.
Tap Contribute from the Facebook page on which you have received the goal contribution.
2.
Tap Login.
3.
Enter your username and password and then tap Sign In.
The Goal Contribution screen appears.
Goal Contribution
Field Description
Field Name
Goal Name
Description
[Display]
Displays the name of the goal.
Goal Owner
[Display]
Displays the current name of the goal owner in the application.
From Account
[Conditional, Drop-Down]
Indicates the funding account from which you want to contribute
to the goal.
Transaction Amount
[Mandatory, Alphanumeric, 15]
Indicates the amount you want to transfer to the account of the
goal.
4.
In the Transaction Amount field, enter the amount you want to transfer to the account of the goal.
The Verify screen appears for the transaction.
5.
Tap Confirm.
The Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Goal Contribution screen appears.
6.
Tap Ok.
The initial View Goal screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
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Goal Setting
25.10 Redeem a Goal
Using this option, you can redeem a specific amount from funds assigned to your created goals in
the application.
To redeem a goal
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
Tap a goal in the My Goals tab.
3.
From the Actions menu, tap Redeem.
The Redeem Goal screen appears.
Redeem Goal
Field Description
Field Name
Redeem Type
Description
[Mandatory, Option ]
Indicates the redemption type for the funds of the goal.
The options are:

Full Redemption

Partial Redemption
If you tap the Full Redemption option from the Redeem Type
list, the goal account is closed after redemption.
Current Balance
[Display]
Displays the current balance in the account for the goal.
Redemption Amount
[Mandatory, Numeric,15]
Indicates the redemption amount for the goal.
Reason For Redemption
[Mandatory, Alphanumeric with special characters, 40]
Indicates the reason for redemption.
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Field Name
Account Transfer Option
Description
[Mandatory, Drop-Down]
Indicates the account transfer options for transfer of amount on
completion of the tenure of the goal.
The options are:
Account

Transfer to own account

Transfer to Internal Bank Account

Transfer through Domestic Clearing Network
[Mandatory, Alphanumeric , 20,/ Drop-Down
Indicates the account to which the funds will be credited.
Branch Details
The fields in this section appear if you tap the tap Transfer to
Internal Bank Account option from the Account Transfer
Option list.
City
[Mandatory, Drop-Down]
Indicates the city of the bank where the funds will be credited
Branch
[Mandatory, Drop-Down]
Indicates the branch of the bank where the funds will be
credited
Network Type
[Mandatory, Drop-Down]
Indicates the type of the domestic transfer network.
Domestic Clearing Network The fields in this section appear if you tap the Transfer
Details
through Domestic Clearing Network option from the
Account Transfer Option list.
Bank Code
[Display, Search]
Displays the code of the bank where the funds will be credited.
Tap the Lookup icon to search and tap code of the bank where
the funds will be credited.
Beneficiary Name
[Mandatory, Alphanumeric, 35
Indicates the name of the beneficiary to whom funds are to be
transferred.
Bank Name
[Display]
Displays the name of the beneficiary bank.
Bank Address
[Display]
Displays the address of the beneficiary bank.
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Field Name
City
Description
[Display]
Displays the city of the beneficiary bank.
4.
From the Redeem Type list, tap the appropriate option.
5.
In the Redemption Amount field, enter the redemption amount for the goal.
6.
In the Reason For Redemption field, enter the reason for redemption of the goal.
7.
From the Account Transfer Option list, tap the appropriate option.
a. If you tap the Transfer to Internal Bank Account option:
i.
From the City list, tap the appropriate option.
ii.
From the Branch list, tap the appropriate option.
b. If you tap the Transfer through Domestic Clearing Network option:
i.
In the Bank Code field, tap the Lookup icon to search and tap code of the bank where
the funds will be credited.
ii.
In the Beneficiary Name field, enter the name of beneficiary to whom funds are to be
transferred.
8.
In the Account field, enter the account number to which the funds will be credited
9.
Tap Submit.
The Redeem Goal – Verify screen appears.
10.
Tap Confirm.
The Redeem Goal – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Redeem Goal screen appears.
11.
Tap Change to modify any details and then verify all the details and tap Confirm.
The goal redemption transaction is completed in the application.
The reference number for the transaction.
12.
Tap Ok.
The initial View Goal screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
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Spending Analysis
26. Spending Analysis
Using this option, you can view the graphs, analyze the spending patterns. You can view
spending analysis in the form of pie chart (default graph) and bar graph.
To view spending analysis
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
Spending Analysis- All categories – Pie Chart
2.
Tap the Bar Graph icon.
The spending analysis as a bar graph appears.
3.
Tap the View Transactions icon.
All transaction records mapped to your account appears
4.
Tap the Compare icon.
The screen appears to compare expenses.
Filter Spending Analysis
Using this option, you can specify different criteria to filter your spending analysis.
To filter spending analysis
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
2.
Tap the Filter icon.
The Filter Spending Analysis screen appears.
Filter Spending Analysis
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Spending Analysis
Field Description
Field Name
Search By
Description
[Mandatory, Drop-Down]
Indicates the options available for searching spending analysis
The options are:

Previous One Week

Previous Fortnight

Last One Month

Last Two Months

Last Six Months

Specify Period
By default, the Last Two Months option is selected.
From Date
[Conditional, Pick List]
Indicates the start date of the date range to search the spending
analysis.
This field appears if you tap the Specify Period option from the
Search By list.
To Date
[Conditional, Pick List]
Indicates the end date of the date range to search the spending
analysis.
This field appears if you tap the Specify Period option from the
Search By list.
Category
[Optional, Drop-Down]
Indicates the category and sub-category to search the spending
analysis.
Customer
[Optional, Drop-Down]
Indicates the Customer ID for which you want to view the spending
analysis.
By default, spending analysis appears for all Customer IDs mapped to
your account.
Currency
[Optional, Drop-Down]
Indicates the currency to search the spending analysis.
3.
From the Search By list, tap the appropriate option.
a. If you tap the Specify Period option:
i.
In the From Date field, tap the start date of the date range to search the spending
analysis.
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Spending Analysis
ii.
4.
In the End Date field, tap the end date of the date range to search the spending
analysis.
Tap View.
The spending analysis appears according to your specified search criteria.
26.2 View Spending Analysis and Trends for Specific Categories
Using this option, you can view spending analysis and spending trends for a selected spending
category.
You can see the spending trend according to your specified category or sub-category. These
spending trends are available over a period of six months.
To view spending analysis and trends for a specific categories
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
2.
Tap the required spending category from the pie chart.
The spending analysis for the selected spending category appears as a pie chart.
Spending analysis for the selected spending category
3.
Tap the Trend icon.
The spending trend appears for the selected spending category.
To view spending analysis and trends for a specific sub-categories
4.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
5.
Tap the required spending category from the pie chart.
The spending analysis for the selected spending category appears as a pie chart.
6.
Tap the required spending sub- category from the pie chart.
The spending analysis for the selected spending sub-category appears as a pie chart.
7.
Tap the Trend icon.
The spending trend appears for the selected spending sub-category.
26.3 View Transactions in Spending Analysis
Using this option, you can see all transactions mapped to your account for specified category or
sub-category.
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
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Spending Analysis
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
2.
Tap the Transactions icon on the Spending Analysis screen appears.
All transactions for the spending analysis appear.
OR
3.
Tap the required spending category from the pie chart.
The spending analysis for the selected spending category appears as a pie chart.
Tap the Transactions icon on the Spending Analysis screen appears.
All transactions for the specified spending category appear.
OR
4.
Tap the required spending category from the pie chart and then tap the required spending sub.category.
All transactions for the specified spending sub-category appear.
Tap the Transactions icon on the Spending Analysis screen appears.
All transactions for the specified spending sub-category appear.
Transactions- Spending Analysis
Field Description
Field Name
Description
Transaction Record Details
Date
[Display]
Displays the date on which the transactions are completed.
Customer ID
[Display]
Displays the Customer ID for which the transaction has been
performed.
Account
[Display]
Displays the account from which the transactions are performed.
Transaction
Description
[Display]
Amount
[Display]
Displays a short description for the completed transactions.
Displays the amount and the currency for the completed transactions.
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Field Name
Category
Description
[Display]
Displays the category or sub category assigned to the transaction.
5.
Tap Back.
The Total Position screen appears.
26.4 Modify Categories Used in Spending Analysis
Using this option, you can assign an existing category to a transaction. You can add both
categories and sub-categories used in spending analysis.
You can delete the custom categories and sub-categories that you add for spending analysis.
To modify spending categories assigned to transactions
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
2.
Tap the Transactions icon from a pie chart or a bar graph.
All transactions for the specified category appear.
OR
Tap a sub-category on a pie chart or bar graph and then tap the Transactions tab.
All transactions for the specified sub-category appear.
3.
Tap the Edit icon.
The Modify Category or Sub Category Assignment screen appears.
Modify Category or Sub Category Assignment
4.
Tap the Customer ID for which you want to modify the assignment of categories or sub categories
to transactions.
5.
Tap the check box next to the required transactions.
6.
Tap Assign.
The Category/Sub Category Selection screen appears.
7.
Tap the required category or sub-category and then tap Assign.
OR
Tap Back to remove the selected category or sub-category assigned to the transaction
8.
Tap Ok.
The screen to update spending analysis categories appears.
Add a category used in spending analysis
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Spending Analysis
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
2.
Tap the Transactions icon from a pie chart or a bar graph.
All transactions for the specified category appear.
OR
Tap a sub-category on a pie chart or bar graph and then tap the Transactions tab.
All transactions for the specified sub-category appear.
3.
Tap the Add icon.
The Add a Category/Sub Category screen appears.
4.
Tap the Add a Category tab.
OR
Tap the Add a Sub Category tab.
Field Description
Field Name
Description
Enter Category
Name
[Mandatory, Alphanumeric, 25]
Select Category
[Mandatory, Drop-Down]
Indicates the name of the category for spending analysis that you want
to add.
Indicates the category under which you want to create a sub category
for spending analysis.
This field appears only if you tap the Add a Sub Category tab in the
Add a Category/Sub Category screen appears.
Add a Category
[Mandatory, Alphanumeric , 25]
Specify the name of the sub category for spending analysis that you
want to add.
This field appears if you tap the Add a Sub Category tab in the Add a
Category/Sub Category screen appears.
5.
In the Enter Category Name field, enter the name of the category for spending analysis that you
want to add.
6.
If you tap the Add a Sub Category tab in the Add a Category/Sub Category screen:
a. From the Select Category list, tap the appropriate option.
b. In the Add a Category field, enter the name of the sub category for spending analysis that you
want to add.
7.
Tap Submit.
The Add a Category/Sub Category Confirm screen appears.
8.
Tap Ok.
The Add a Category/Sub Category screen appears.
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Spending Analysis
Delete a category used in spending analysis
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears with the spending analysis for all spending categories
as a pie chart.
2.
Tap the Transactions icon from a pie chart or a bar graph.
All transactions for the specified category appear.
OR
Tap a sub-category on a pie chart or bar graph and then tap the Transactions tab.
All transactions for the specified sub-category appear.
3.
Tap the Update icon.
The screen appears to update spending analysis categories.
Field Description
Field Name
Select Customer
Description
[Mandatory, Drop-Down]
Indicates the Customer ID for which you want to view categories and
subcategories to be modified.
4.
From the Select Customer list, tap the appropriate option.
5.
Tap Delete.
The Delete Category/Sub Category Confirm screen appears.
6.
Tap Ok.
The screen appears to update spending analysis categories.
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Benchmarking
27. Benchmarking
You can use the benchmarking feature to compare your financial goals, budgets and expenses
with other people. This comparison can be with people within your age group, income group or
within your state or locality.
27.1 Compare Budget with Peers
Using this option, you can view financial budgets of people within your selected gender group,
age group, or state. You can also view graphs of average budget set by people in the same group
If you have created your own budget in the application and choose to compare your budget with
others, the results display:

Average budget of other people and your average budget for a given budget category.

Graph of average budget of other people and the position of your budget on the graph for a given
budget category.
To compare budgets with peers
1.
From the More menu, tap Manage Finances, tap Budget, and then tap Expenses vs Budget.
The Expenses vs Budget screen appears.
2.
Tap Compare.
The screen to compare budgets with peers appears.
OR
From the Calculators menu, tap Budget Calculator.
The Budget Calculator screen appears.
Tap the Compare icon on the Budget Calculator screen appears.
The screen appears to compare budgets with peers appears.
Compare Budget
Field Description
Field Name
Select Category
Description
[Mandatory, List Box]
Indicates the sub categories for comparison of budgets.
Choose Income
Group
[Optional, Check Box, Drop-Down]
Indicates that you want to include the income for comparison.
Indicates the income group for comparison.
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Benchmarking
Field Name
Choose Age group
Description
[Optional, Check Box, Drop-Down]
Indicates that you want to include the age group for comparison.
Indicates the age group for comparison.
Choose Gender
[Optional, Check Box, Option]
Indicates that you want to include gender for comparison.
Indicates the gender for comparison.
The options are:
Choose State

Male

Female
[Optional, Check Box, Drop-Down]
Indicates that you want to include the state for comparison.
Indicates the state for comparison.
Include for
comparison
[Optional, Check Box]
Indicates that you want to compare your own budget from the
application with the budget of other people in the selected groups.
3.
In the Select Category field, tap the appropriate option.
4.
Tap Compare.
The results of the budget comparison appear.
Compare Budget - Results

The result includes graph for the average amount for budget set by others within same group and
the individuals standing for the same categories in graph.

If you are an existing user of the application, the results display budget comparison for you with
people in same group as you for same income, age group, gender and state.

If you are a registered user, the results display budget comparison for people with your selected
criteria for people in selected income group, age group, gender and state.
27.2 Compare Goals with Peers
Using this option, you can view financial goals of people within your selected gender group, age
group, or state.
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Benchmarking
If you have created your own financial goals in the application and choose to compare your
financial goals with others, the results display a comparison of your financial goals with that of
people within your selected gender group, age group, or state.
To compare goals with peers
1.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
2.
From the More menu, tap Manage Finances, tap Goals, and then tap View Goal.
The View Goal screen appears.
3.
From the Actions menu, tap Comparison.
The screen appears to compare goals with peers.
OR
From the Calculators menu, tap Goal Calculator.
The Goal Calculator screen appears.
Tap the Compare icon on the Goal Calculator screen appears.
The screen appears to compare goals with peers.
Compare Goals
Field Description
Field Name
Description
Goal Category
Select Goal Type
[Mandatory, Drop-Down]
Indicates the type of goal for comparison
Choose Income
Group
[Optional, Check Box, Drop-Down]
Indicates that you want to include the income for comparison.
Indicates the income group for comparison.
Choose Age group
[Optional, Check Box, Drop-Down]
Indicates that you want to include the age group for comparison.
Indicates the age group for comparison.
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Benchmarking
Field Name
Choose Gender
Description
[Optional, Check Box, Option]
Indicates that you want to include gender for comparison.
Indicates the gender for comparison.
The options are:
Choose State

Male

Female
[Optional, Check Box, Drop-Down]
Indicates that you want to include the state for comparison.
Indicates the state for comparison.
Include for
comparison
[Optional, Check Box]
Indicates that you want to compare your own financial goal from the
application with the financial goals of other people in the selected
groups.
4.
From the Select Goal Type list, tap the appropriate option.
5.
Tap Compare.
The result of the financial goal comparison appears.
Compare Goals – Results
The result includes average of set tenure, average completion tenure and average amount of
goal set by others within same group.
27.3 Compare Expenses
Using this option, you can view expenses of people within your selected gender group, age
group, or state.
If you have created your own spending analysis in the application and choose to compare your
expenses with others, the results display:

Average expenditure of other people and your average expenditure for a given expense category.

Graphs of average expenditure of other people and the position of your expenditure on the graph
for a given expense category.
To compare expenses with peers
1.
From the More menu, tap Manage Finances, tap Spending Analysis, and then tap Spending
Analysis.
The Spending Analysis screen appears.
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Benchmarking
2.
Tap the Compare icon on the Spending Analysis screen appears.
The screen appears to compare expenses with peers.
Compare Expenses
Field Description
Field Name
Select Category
Description
[Mandatory, List Box]
Indicates the sub categories for comparison of expenses.
Choose Income
Group
[Optional, Check Box, Drop-Down]
Indicates that you want to include the income for comparison.
Indicates the income group for comparison.
Choose Age group
[Optional, Check Box, Drop-Down]
Indicates that you want to include the age group for comparison.
Indicates the age group for comparison.
Choose Gender
[Optional, Check Box, Option]
Indicates that you want to include gender for comparison.
Indicates the gender for comparison.
The options are:
Choose State

Male

Female
[Optional, Check Box, Drop-Down]
Indicates that you want to include the state for comparison.
Indicates the state for comparison.
Include for
comparison
3.
[Optional, Check Box]
Indicates that you want to compare your own expenses from the
application with the expenses of other people in the selected groups.
Tap Compare.
The result of the expenditure comparison appears.
Compare Expenses - Result
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The result includes a chart comparing expenses from your spending analysis in the application
against the expense maintained by the bank for same category. The chart is a column chart with
different expense categories on X axis.
If you are an existing user of the application, the results display the expenses comparison for you
with people in same group as you for same income, age group, gender and state.
If you are a registered user of the application, the results display the expenses comparison for
people with your selected criteria in the selected income group, age group, gender and state.
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Beneficiary Maintenance
28. Beneficiary Maintenance
In the application, you can add details of beneficiaries for these payment types:

Internal Transfer

Domestic Transfer

International Transfer
You can specify the visibility of the beneficiary as Personal or Private. If you create a beneficiary
with Public visibility type, the beneficiary can then be accessed by all users in the application. If
you create a beneficiary with Private visibility type, only you, as the creator of the beneficiary, can
access the details of the beneficiary.
You can view, modify and delete details of the beneficiaries in the application.
28.1 Add Quick /Direct Pay Beneficiary- Internal Transfer
Using this option, you can create a beneficiary for internal transfer and initiate the payment.
To add a beneficiary for internal transfer
1.
From the More menu, tap Transfers, tap Manage Beneficiary, and then tap Direct /Quick Pay
Beneficiaries.
The Choose Beneficiary screen appears.
2.
Tap Add Beneficiary.
The Add Beneficiary screen appears.
3.
Tap the Internal link.
The Add Beneficiary-Internal Transaction Type screen appears.
Add Beneficiary - Internal Transaction Type
Field Description
Field Name
Description
Beneficiary Info
Name
[Mandatory, Alphanumeric , 35]
Indicates the name of the beneficiary for the transfer.
Nick Name
[Mandatory, Alphanumeric , 10]
Indicates the nickname of the beneficiary.
Account Number
[Mandatory, Alphanumeric , 20]
Indicates the account number of the beneficiary for the transfer.
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Field Name
Email
Description
[Mandatory, Alphanumeric , 255]
Indicates the e-mail address of the beneficiary for the transfer.
Beneficiary Bank Info
Branch
[Mandatory, Drop-Down, /Typo-Search, Alphanumeric]
Indicates the bank branch where the account of the beneficiary is
held.
Visibility
Visibility
[Mandatory, Drop-Down]
Indicates the visibility of the beneficiary in the application.
The options are:

Public

Private
4.
In the Name field, enter the name of the beneficiary.
5.
In the Nick Name field, enter the nickname of the beneficiary.
6.
In the Account Number field, enter the account number of the beneficiary for the internal
transfer.
7.
In the Email field, enter the email address of the beneficiary.
8.
From the Branch list, tap the appropriate option.
9.
From the Visibility list, tap the appropriate option.
10.
Tap Submit.
The Add Beneficiary - Internal Transaction Type – Verify screen appears.
OR
Tap Cancel.
The Total Position screen appears.
11.
Tap Confirm.
The Add Beneficiary - Internal Transaction Type – Confirm screen appears with the
transaction reference number.
OR
Tap Change.
The Add Beneficiary screen appears.
Add Beneficiary - Internal Transfer – Verify
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12.
Tap OK.
The initial Add Beneficiary - Internal Transaction Type screen appears.
OR
Tap Pay Now.
The initial Internal Transfer screen appears.
28.2 Add Quick /Direct Pay Beneficiary- Domestic Transfer
Using this option, you can create a beneficiary for internal transfer and initiate the payment.
To add a beneficiary for domestic transfer
1.
From the More menu, tap Transfers, tap Manage Beneficiary, and then tap Direct /Quick Pay
Beneficiaries.
The Choose Beneficiary screen appears.
2.
Tap Add Beneficiary.
The Add Beneficiary screen appears.
3.
Tap the Domestic link.
The Domestic Transaction Type screen appears.
4.
Tap the Deposit to Account link.
The Add Beneficiary Domestic – Deposit to Account screen appears.
OR
Tap the Receive over Counter link.
The Add Beneficiary Domestic – Receive over Counter screen appears.
Add Beneficiary - Domestic – Deposit to Account
Field Description
Field Name
Description
Beneficiary Details
Name
[Mandatory, Alphanumeric, 35]
Indicates the name of the beneficiary for the transfer.
Nick Name
[Mandatory, Alphanumeric , 10]
Indicates the nickname of the beneficiary.
Account Number
[Mandatory, Alphanumeric , 20]
Indicates the account number of the beneficiary for the transfer.
This field appears if you tap the Deposit to Account link in the
Domestic Transaction Type screen appears.
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Field Name
Address
Description
[Mandatory, Alphanumeric , 34x2]
Indicates the address of the beneficiary.
This field appears if you tap the Receive over Counter link in the
Domestic Transaction Type screen appears.
City
[Mandatory, Alphanumeric , 35]
Indicates the city of the beneficiary.
This field appears if you tap the Receive over Counter link in the
Domestic Transaction Type screen appears.
Email
[Mandatory, Alphanumeric , 255]
Indicates the e-mail address of the beneficiary for the transfer.
Identification Type
[Conditional, Drop-Down]
Indicates the Identification document for receiving the funds at
counter.
This field appears if you tap the Receive over Counter link in the
Domestic Transaction Type screen appears.
Reference Number
[Conditional, Alphanumeric , 35]
Indicates the reference number of the Identification document for
receiving the funds at counter
This field appears if you tap the Receive over Counter link in the
Domestic Transaction Type screen appears.
Transfer Mode
Choose Network/
Processing Mode
[Mandatory, Option]
Bank Code
[Display, Lookup]
Indicates the processing mode through which transaction should
be completed.
Displays the clearing code of the bank.
Tap the Lookup icon to search and tap the required bank code.
Visibility
Visibility
[Mandatory, Drop-Down]
Indicates the visibility of the beneficiary in the application.
The options are:
5.

Public

Private
In the Name field, enter the name of the beneficiary.
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6.
In the Nick Name field, enter the nickname of the beneficiary.
7.
If you tap the Deposit to Account link in the Domestic Transaction Type screen:
a. In the Account Number field, enter the account number of the beneficiary for the domestic
transfer.
8.
If you tap the Receive over Counter link in the Domestic Transaction Type screen:
a. In the Address field, enter the address of the beneficiary.
b. In the City field, enter the city of the beneficiary.
c.
From the Identification Type list, select the appropriate option.
d. In the Reference Number field, enter the reference number of the Identification document for
receiving the funds at counter.
9.
In the Email field, enter the email address of the beneficiary.
10.
In the Choose Network/ Processing Mode field, tap the appropriate option.
11.
In the Bank Code field, Lookup icon, search and tap the required bank code.
12.
From the Visibility list, tap the appropriate option.
13.
Tap Submit.
The Add Beneficiary – Domestic Transaction Type – Verify screen appears.
OR
Tap Cancel.
The Total Position screen appears.
Add Beneficiary – Domestic Transaction Type – Verify
14.
Tap Confirm.
The Add Beneficiary - Domestic Transaction Type – Confirm screen appears with the
transaction reference number.
OR
Tap Change.
The Add Beneficiary - Domestic Transaction Type screen appears.
15.
Tap OK.
The initial Add Beneficiary screen appears.
OR
Tap Pay Now.
The initial Domestic Transfer screen appears.
28.3 Add Quick /Direct Pay Beneficiary- International Transfer
Using this option, you can create a beneficiary for international transfer and initiate the payment.
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To add a beneficiary for international transfer
1.
From the More menu, tap Transfers, tap Manage Beneficiary, and then tap Direct /Quick Pay
Beneficiaries.
The Choose Beneficiary screen appears.
2.
Tap Add Beneficiary.
The Add Beneficiary screen appears.
3.
Tap the International link.
The International Transaction Type screen appears.
4.
Tap the Deposit to Account link.
The Add Beneficiary International – Deposit to Account screen appears.
OR
Tap the Receive over Counter link.
The Add Beneficiary International – Receive over Counter screen appears.
Add Beneficiary - International Receive Over Counter
Field Description
Field Name
Description
Beneficiary Info
Beneficiary Name
[Mandatory, Alphanumeric , 35]
Indicates the name of the beneficiary for the transfer.
Beneficiary Nick Name
[Mandatory, Alphanumeric , 10]
Indicates the nickname of the beneficiary.
Beneficiary Account
Number
[Mandatory, Alphanumeric , 20]
Indicates the account number of the beneficiary for the transfer.
This field appears if you tap the Deposit to Account link in the
International Transaction Type screen appears.
Beneficiary Address
[Mandatory, Alphanumeric , 34x2]
Indicates the address of the beneficiary.
This field appears if you tap the Receive over Counter link in the
International Transaction Type screen appears.
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Field Name
Beneficiary City
Description
[Mandatory, Alphanumeric , 35]
Indicates the city of the beneficiary.
This field appears if you tap the Receive over Counter link in the
International Transaction Type screen appears.
Beneficiary Country
[Mandatory, Drop-Down]
Indicates the country of the beneficiary.
This field appears if you tap the Receive over Counter link in the
International Transaction Type screen appears.
Beneficiary Email
[Mandatory, Alphanumeric , 255]
Indicates the e-mail address of the beneficiary for the transfer.
Transfer Mode
Transfer Mode
[Mandatory, Drop-Down]
Indicates the mode of transfer of funds for the beneficiary.
The options are:
SWIFT Code

SWIFT

National Clearing Code

Bank Details
[Conditional, Alphanumeric , 11]
Indicates the SWIFT code of the bank.
This field appears if you tap the SWIFT option from the Transfer
Mode list.
National Clearing Code The fields mentioned below appear if you tap the National
Clearing Code option from the Transfer Mode list.
National Clearing Code [Conditional, Drop-Down]
Type
Indicates the clearing system for the transfer of funds for the
beneficiary.
National Clearing Code [Conditional, Alphanumeric , Lookup]
Displays the clearing code of the bank.
Tap the Lookup icon to search and tap the National clearing code
of the bank
Bank Details
Bank Name
The fields mentioned below appear if you tap the Bank Details
option from the Transfer Mode list.
[Conditional, Alphanumeric , 35]
Indicates the name of the beneficiary bank.
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Field Name
Bank Address
Description
[Conditional, Alphanumeric , 35x2]
Indicates the address of the beneficiary bank.
[Conditional, Alphanumeric , 35]
Bank City
Indicates the city of the beneficiary bank.
Bank Country
[Conditional, Alphanumeric , 35]
Indicates the country of the beneficiary bank.
Visibility
Visibility
[Mandatory, Drop-Down]
Indicates the visibility of the beneficiary in the application.
The options are:

Public

Private
5.
In the Beneficiary Name field, enter the name of the beneficiary.
6.
In the Beneficiary Nick Name field, enter the nickname of the beneficiary.
7.
If you tap the Deposit to Account link in the International Transaction Type screen:
a. In the Beneficiary Account Number field, enter the account number of the beneficiary for the
international transfer.
8.
If you tap the Receive over Counter link in the International Transaction Type screen:
a. In the Beneficiary Address field, enter the address of the beneficiary.
b. In the Beneficiary City field, enter the city of the beneficiary.
c.
From the Beneficiary Country list, tap the appropriate option.
9.
In the Beneficiary Email field, enter the email address of the beneficiary.
10.
From the Transfer Mode list, tap the appropriate option.
a. If you tap the SWIFT option:
i.
In the SWIFT Code field, enter the SWIFT code of the bank
b. If you tap the National Clearing Code option:
c.
i.
From the National Clearing Code Type list, tap the appropriate option.
ii.
In the National Clearing Code field, tap the Lookup icon, search and tap the required
bank code.
If you tap the Bank Details option:
i.
In the Bank Name field, enter the name of the beneficiary bank.
ii.
In the Bank Address field, enter the address of the beneficiary bank.
iii.
In the Bank City field, enter the city of the beneficiary bank.
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iv.
In the Bank Country field, enter the country of the beneficiary bank
11.
From the Visibility list, tap the appropriate option.
12.
Tap Submit.
The Add Beneficiary – International Transaction Type – Verify screen appears.
OR
Tap Cancel.
The Total Position screen appears.
Add Beneficiary – International Transaction Type – Verify
13.
Tap Confirm.
The Add Beneficiary - International Transaction Type – Confirm screen appears with the
transaction reference number.
OR
Tap Change.
The Add Beneficiary - International Transaction Type screen appears.
14.
Tap OK.
The initial Add Beneficiary screen appears.
OR
Tap Pay Now.
The initial International Transfer screen appears.
28.4 View and Modify Beneficiary
Using this option, you can view, update or delete existing beneficiaries in the application.
To view and modify a beneficiary
1.
From the More menu, tap Transfers, tap Manage Beneficiary, and then tap Direct /Quick Pay
Beneficiaries.
The Choose Beneficiary screen appears.
Choose Beneficiary
Field Description
Field Name
Search
Description
[Mandatory, Alphanumeric , 50]
Indicates the text used to search details of registered
beneficiaries.
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Field Name
Beneficiary Nickname
Description
[Display]
Displays the nickname of the beneficiary in the application.
Beneficiary Name
[Display]
Displays the name of the beneficiary.
Beneficiary Bank Branch [Display]
Displays the bank branch of the beneficiary.
Beneficiary Account
Number
[Display]
Beneficiary Email
[Display]
Displays the account number of the beneficiary.
Displays the e-mail address of the beneficiary.
Visibility
[Display]
Displays the beneficiary visibility in the application.
2.
In the Search field, enter the text used to search details of registered beneficiaries.
The search result appears according to your search criteria.
OR
Tap the required beneficiary.
The Choose Beneficiary screen appears with the details of the selected beneficiary.
The fields displayed depend on the type of the beneficiary.
Beneficiary Info
3.
Tap Edit.
4.
Modify the relevant details and then tap Update.
The Verify screen appears for the selected beneficiary.
5.
Tap Confirm.
The Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Choose Beneficiary screen appears with the details of the selected beneficiary.
To delete a beneficiary
1.
From the More menu, tap Transfers, tap Manage Beneficiary, and then tap Direct /Quick Pay
Beneficiaries.
The Choose Beneficiary screen appears.
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2.
Tap the required beneficiary.
The Choose Beneficiary screen appears with the details of the selected beneficiary.
The fields displayed depend on the type of the beneficiary.
3.
Tap Delete.
The Verify screen appears to delete the selected beneficiary.
OR
Tap Back.
The Choose Beneficiary screen appears with the details of the selected beneficiary.
4.
Tap Delete to confirm the deletion of the required beneficiary from the application.
The Acknowledgement screen appears for the deletion of the beneficiary.
OR
Tap Cancel.
The Choose Beneficiary screen appears.
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28.5 Add a Beneficiary for Peer to Peer Payment
Using this option, you can add a beneficiary for Peer to Peer (P2P) payment in the application.
To add a beneficiary for peer to peer payment
1.
From the More menu, tap Transfers, tap Proximity Pay, and then tap P2P Transfer.
The Peer to Peer Payments screen appears.
Peer to Peer Payments
2.
In the Pay field, tap the Lookup icon.
The Add Beneficiary screen appears for a peer to peer beneficiary.
Add Beneficiary
Field Description
Field Name
Name
Description
[Mandatory, Alphanumeric , 1-40]
Indicates the name of the beneficiary.
Contact Type
[Mandatory, Drop-Down]
Indicates the contact type of the receiver.
The options are:

E-mail

Mobile Number
Email address/ Contact [Mandatory, Alphanumeric , 1-40]
Number
Indicates the e-mail address or contact number of the beneficiary.
Photo
[Optional, Image]
Displays the field to open the Images folder on your device and
set an image for the beneficiary.
3.
In the Name field, enter the name of the beneficiary.
4.
From the Contact Type list, tap the appropriate option.
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5.
In the Email address/ Contact Number field, enter the e-mail address or contact number of the
beneficiary.
6.
Tap Submit.
The Acknowledgement screen appears for adding the beneficiary for P2P payment.
OR
Tap Cancel.
The Add Beneficiary screen appears for a peer to peer beneficiary. Tap Pay Now.
The initial Peer to Peer Payments screen appears.
OR
Tap Add.
The Add Beneficiary screen appears for a peer to peer beneficiary.
OR
Tap OK.
The Total Position screen appears.
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Transfers
29. Transfers
29.1 Quick Pay
Using this option, you can make payments to beneficiaries already registered in the application,
while entering minimum details in the screen, hence making the payments in less time. You can
make instant internal, domestic and international payments to the existing beneficiary, using the
transfer mode configured for the beneficiary.
Note: For more information about adding a beneficiary to the application, see Beneficiary Maintenance in
this User Manual.
To make a quick payment to an existing beneficiary
1.
Tap Transfers on the Total Position screen appears.
OR
From the More menu, tap Transfers, tap Quick Pay, and then tap Quick Pay.
The Quick Pay screen appears.
Quick Pay Select Beneficiary
Field Description
Field Name
Description
Select Beneficiary
[Optional, Alphanumeric , 40]
Indicates the text used to search details of registered beneficiaries.
Beneficiary Nick
Name
[Display]
Beneficiary
Account Number
[Display]
Transfer Mode
[Display]
Displays the nickname of the beneficiary.
Displays the account number of the beneficiary.
Displays the transfer mode, internal, international or domestic.
2.
In the Search field, enter the text used to search details of registered billers.
The search result appears according to your search criteria.
OR
Tap the required beneficiary name.
The Quick Pay screen appears with details of the selected beneficiary.
Quick Pay - Beneficiary Info
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Transfers
Field Description
Field Name
Description
The fields displayed depend on the type of beneficiary
Beneficiary Name
[Display]
Displays the name of the beneficiary.
Beneficiary
Account Number
[Display]
Beneficiary
Branch
[Display]
Bank Name
[Display]
Displays the account number of the beneficiary.
Displays the bank branch where the beneficiary account is held.
Displays the name of the bank branch where the beneficiary
account is held.
Bank Address
[Display]
Displays the address of the beneficiary bank.
Address
[Display]
Displays the address of the beneficiary.
City
[Display]
Displays the city of the beneficiary.
Country
[Display]
Displays the country of the beneficiary.
Transfer Type
[Display]
Displays the transfer type of the beneficiary.
SWIFT Code
[Display]
Displays the SWIFT code in case in case SWIFT code selected
during registration of the beneficiary.
National Clearing
Code Type
[Display]
National Clearing
Code
[Display]
Displays the National Clearing Type in case in case National
Clearing Type selected during registration of the beneficiary.
Displays the National Clearing Code in case in case National
Clearing Code is selected during registration of the beneficiary.
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3.
Tap Next.
The Quick Pay screen appears with transfer details for the selected beneficiary.
The fields displayed depend on the type of beneficiary.
Transfer
4.
Enter the relevant details in the appropriate fields.
5.
Tap Pay Now.
OR
Tap Pay On and tap the date for the fund transfer.
OR
Tap Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The Quick Pay Verify screen appears.
Note: The payment options available depend on the transfer mode of the beneficiary (domestic, internal,
or international transfer). For more information about the payment options, see Payment Options in this
User Manual.
Quick Pay Verify
6.
Tap Confirm.
The Quick Pay Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Quick Pay screen appears.
7.
Tap Ok.
The initial Quick Pay screen appears.
OR
Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
29.2 Own Account Transfer
Using this option, you can make payments to transfer funds from one of your accounts with the
bank to another own account with the bank from the application. You can transfer funds between
accounts mapped to your Customer ID in the application. You can carry out this transaction for
both Conventional as well as Islamic CASA accounts.
To make fund transfer to your own account
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Transfers
1.
From the More menu, tap Transfers, tap Direct Pay, and then tap Own Account Transfer.
The Own Account Transfer screen appears.
Own Account Transfer
Field Description
Field Name
Description
Own Account Transfer
Pay
To Account
[Mandatory, Drop-Down]
Indicates the account number to which the funds are to be
transferred.
Source
From Account
[Mandatory, Drop-Down]
Indicates the account number from which the funds are to be
transferred.
Available Balance
[Display]
Displays the available balance for the selected source account.
Transfer
Amount
[Mandatory, Numeric, 15]
Indicates the amount that you want to transfer.
Narrative
[Optional, Alphanumeric, 35]
Indicates the description of the transaction.
2.
From the To Account list, tap the appropriate option.
3.
From the From Account list, tap the appropriate option.
4.
In the Amount field, enter the amount that you want to transfer.
5.
Tap Pay Now.
OR
Tap Pay On and tap the date for transfer of funds.
OR
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Tap Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The Own Account Transfer Verify screen appears.
Note: For more information about the payment options, see Payment Options in this User Manual.
Own Account Transfer Verify
6.
Tap Confirm.
The Transaction Password screen appears.
OR
Tap Change.
The Own Account Transfer screen appears.
7.
Enter the transaction password and then tap OK.
The Own Account Transfer – Confirm screen appears with the transaction reference number.
Note: For more information about entering the transaction password, see Transaction Password in this
User Manual.
8.
Tap Ok.
The initial Own Account Transfer screen appears.
OR
Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
29.3 Domestic Transfer
Using this option, you can transfer funds from your own bank account held to an account with
another bank using the country’s domestic clearing network. You can make a domestic transfer of
funds to a registered or unregistered beneficiary in the application. You can make a domestic
transfer of funds over the counter.
To transfer funds to a domestic account
1.
From the More menu, tap Transfers, tap Direct Pay, and then tap Domestic Transfer.
The Transfer To list in the Domestic Transfer screen appears.
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Field Description
Field Name
Description
Transfer To
[Mandatory, Drop-Down]
Indicates the option to make payment to registered beneficiary or
initiate a new transaction.
The options are:

Transfer To Registered Beneficiary

Make a New Payment
By default, the Transfer to Registered Beneficiary option is
selected.
Funds Delivery
Mode
[Conditional, Drop-Down]
Indicates the destination account type of the beneficiary.
The options are:

Receive over Counter

Deposit to Account
By default, the Deposit to Account option is selected.
This field appears only if you tap the Make a New Payment option
in the Transfer To list.
2.
From the Transfer To list, tap the appropriate option.
a. If you tap the Make a New Payment option:
i.
3.
From the Funds Delivery Mode list, tap the appropriate option.
Tap Continue.
The Domestic Transfer screen appears.
OR
Tap Cancel.
The Total Position screen appears.
Domestic Transfer
Field Description
Field Name
Description
Pay
These fields appear when you tap the Transfer to Registered
Beneficiary option in the Transfer To list.
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Field Name
Description
To Account
[Mandatory, Drop-Down]
Indicates the account number of the registered beneficiary to
whom you want to transfer funds.
View Bene Details
[Hyperlink]
Displays this link to view details of the registered beneficiary in a
pop-up window.
The details include the name, address, city and bank of the
registered beneficiary.
Tap Close to close the pop-up window.
From Account
[Mandatory, Drop-Down]
Indicates your account from which you want to transfer funds.
Available Balance
[Display]
Displays the available balance of the account from which you want
to transfer funds.
Beneficiary Info
Beneficiary Name
[Mandatory, Alphanumeric, 35]
Indicates the name of the beneficiary for the transfer.
This field appears when you tap the Make a New Payment option
in the Transfer To list.
Beneficiary Account
Number
[Mandatory, Alphanumeric , 20]
Indicates the account number of the beneficiary for the transfer.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Deposit To Account
option in the Fund Delivery Mode list.
Beneficiary Nick Name [Mandatory, Alphanumeric , 10]
Indicates the nickname of the beneficiary.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Deposit To Account
option in the Fund Delivery Mode list.
Beneficiary Address
[Mandatory, Alphanumeric , 34x2]
Indicates the address of the beneficiary.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Receive over Counter
option in the Fund Delivery Mode list.
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Field Name
Beneficiary City
Description
[Mandatory, Alphanumeric, 35]
Indicates the city of the beneficiary.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Receive over Counter
option in the Fund Delivery Mode list.
Beneficiary Email
[Mandatory, Alphanumeric , 40]
Indicates the e-mail address of the beneficiary for the transfer.
Identification Type
[Conditional, Drop-Down]
Indicates the Identification document for receiving the funds at
counter.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Receive over Counter
option in the Fund Delivery Mode list.
Identification Number
[Conditional, Alphanumeric, 35]
Indicates the Identification document reference number for
receiving the funds at counter.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Receive over Counter
option in the Fund Delivery Mode list.
Beneficiary Bank Info
Choose Network
These fields appear when you tap the Make a New Payment
option in the Transfer To field.
[Mandatory, Option]
Indicates the processing mode through which transaction should
be completed.
Bank Code
[Display, Lookup]
Displays the clearing code of the bank.
Tap Lookup icon to search and tap the National clearing code of
the bank.
Transfer Amount
[Mandatory, Alphanumeric, 15]
Indicates the amount you want to transfer to the beneficiary.
Currency
[Mandatory, Drop-Down]
Indicates the currency of the amount you want to transfer.
Purpose
[Mandatory, Drop-Down]
Indicates the purpose of remittance from the drop-down list.
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Field Name
Description of
Remittance Purpose
Description
[Conditional, Alphanumeric, 35]
Indicates the specific purpose of remittance.
This field appears when you tap the Others option in the Purpose
list.
Narrative
[Optional, Alphanumeric ,35]
Indicates the description of the transaction.
4.
From the Transfer To list, tap the appropriate option.
a. If you tap the Transfer To Registered Beneficiary option:
i.
From the To Account list, tap the appropriate option.
ii.
From the From Account list, tap the appropriate option.
b. If you tap the Make a New Payment option and then from the Funds Delivery Mode list, tap
either the Deposit to Account option or the Receive over Counter option:
c.
i.
In the Beneficiary Name field, enter the name of the beneficiary for the transfer.
ii.
In the Beneficiary Email field, enter the email address of the beneficiary for the
transfer.
iii.
In the Choose Network field, tap the appropriate option.
If you tap the Make a New Payment option and then from the Funds Delivery Mode list, tap
the Deposit to Account option:
i.
In the Beneficiary Account Number field, enter the account number of the beneficiary
for the transfer.
ii.
In the Beneficiary Nick Name field, enter the nick name of the beneficiary.
d. If you tap the Make a New Payment option and then from the Funds Delivery Mode list, tap
the Receive over Counter option:
i.
From the Identification Type list, tap the appropriate option.
ii.
In the Identification Number field, enter the Identification document reference number
for receiving the funds at counter.
5.
In the Transfer Amount field, enter the amount you want to transfer to the beneficiary.
6.
From the Currency list, tap the appropriate option.
7.
From the Purpose list, tap the appropriate option.
a. If you tap the Others option:
i.
8.
In the Description of Remittance Purpose field, enter your specific purpose of
remittance.
Tap Pay Now.
OR
Tap Pay On and tap the date for transfer of funds.
OR
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Tap Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The Domestic Transfer – Verify screen appears.
Note: For more information about the payment options, see Payment Options in this User Manual.
Domestic Transfer Verify
9.
Tap Confirm.
The Domestic Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Domestic Transfer screen appears.
10.
Tap Ok.
The initial Domestic Transfer screen appears.
OR
Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
29.4 Internal Transfer
Using this option, you can transfer funds from your own bank account held to another account
with the same bank. You can make an internal transfer of funds to a registered beneficiary in the
application. You can also make a new payment of funds over the counter.
To transfer funds to an internal account
1.
From the More menu, tap Transfers, tap Direct Pay, and then tap Internal Transfer.
The Transfer To list in the Internal Transfer screen appears.
Field Description
Field Name
Description
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Field Name
Description
Transfer To
[Mandatory, Drop-Down]
Indicates the option to make payment to registered beneficiary or
initiate new transaction.
The options are:

Transfer to Registered Beneficiary

Make a New Payment
By default, the Transfer to Registered Beneficiary option is
selected.
2.
From the Transfer To list, tap the appropriate option.
3.
Tap Continue.
The Internal Transfer screen appears.
OR
Tap Cancel.
The Total Position screen appears.
Internal Transfer
Field Description
Field Name
Description
Pay
These fields appear when you tap the Transfer to Registered
Beneficiary option in the Transfer To list.
Select Beneficiary
[Mandatory, Drop-Down]
Indicates the account number of the registered beneficiary to
whom you want to transfer funds.
View Bene Details
[Hyperlink]
Displays this link to view details of the registered beneficiary in a
pop-up window.
The details include the name, address, city and bank of the
registered beneficiary.
Tap Close to close the pop-up window.
These fields are displayed when you tap the Transfer to
Registered Beneficiary option in the Transfer To field
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Field Name
Description
Source
From Account
[Mandatory, Drop-Down]
Indicates your account from which you want to transfer funds.
Account Balance
[Display]
Displays the available balance of the account from which you want
to transfer funds.
Beneficiary Info
These fields appear when you tap the Make a New Payment
option in the Transfer To list.
To Account
[Mandatory, Alphanumeric , 20]
Indicates the account number of the beneficiary for the transfer.
Beneficiary Branch
[Mandatory Drop-Down]
Indicates the bank branch in which the beneficiary account is
present.
Beneficiary Email
[Mandatory, Alphanumeric , 40]
Indicates the e-mail address of the beneficiary for the transfer.
Transfer
Transfer Amount
[Mandatory, Alphanumeric, 15]
Indicates the amount you want to transfer to the beneficiary.
Currency
[Mandatory, Drop-Down]
Indicates the currency of the amount you want to transfer.
Purpose
[Mandatory, Drop-Down]
Indicates the purpose of remittance from the drop-down list.
Description of
Remittance Purpose
[Conditional, Alphanumeric, 35]
Indicates the specific purpose of remittance.
This field appears when you tap the Others option in the Purpose
list.
Narrative
[Optional, Alphanumeric ,35]
Indicates the description of the transaction.
4.
From the Transfer To list, tap the appropriate option.
a. If you tap the Transfer To Registered Beneficiary option:
i.
From the Select Beneficiary list, tap the appropriate option.
ii.
From the From Account list, tap the appropriate option.
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b. If you tap the Make a New Payment option:
i.
In the To Account field, enter the account number of the beneficiary for the transfer.
ii.
From the Beneficiary Branch list, tap the appropriate option.
iii.
In the Beneficiary Email field, enter the e-mail address of the beneficiary for the
transfer.
5.
In the Transfer Amount field, enter the amount you want to transfer to the beneficiary.
6.
From the Currency list, tap the appropriate option.
7.
From the Purpose list, tap the appropriate option.
a. If you tap the Others option:
i.
8.
In the Description of Remittance Purpose field, enter your specific purpose of
remittance.
Tap Pay Now.
OR
Tap Pay On and tap the date for transfer of funds.
OR
Tap Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The Internal Transfer – Verify screen appears.
Note: For more information about the payment options, see Payment Options in this User Manual.
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29.5 International Transfer
Using this option, you can transfer funds from one of your accounts to other bank account
internationally. You can make an international transfer of funds to an unregistered or registered
beneficiary from the application. You can also make an international transfer of funds over the
counter.
To transfer funds to an international account
1.
From the More menu, tap Transfers, tap Direct Pay, and then tap International Transfer.
The Transfer To list in the International Transfer screen appears.
Field Description
Field Name
Description
Transfer To
[Mandatory, Drop-Down]
Indicates the option to make payment to registered beneficiary or
initiate a new transaction.
The options are:

Transfer To Registered Beneficiary

Make a New Payment
By default, the Transfer to Registered Beneficiary option is
selected.
Funds Delivery
Mode
[Conditional, Drop-Down]
Indicates the destination account type of the beneficiary.
The options are:

Receive over Counter

Deposit to Account
By default, the Deposit to Account option is selected.
This field appears only if you tap the Make a New Payment option
in the Transfer To list.
2.
From the Transfer To list, tap the appropriate option.
b. If you tap the Make a New Payment option:
ii.
3.
From the Funds Delivery Mode list, tap the appropriate option.
Tap Continue.
The Domestic Transfer screen appears.
OR
Tap Cancel.
The Total Position screen appears.
International Transfer
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Field Description
Field Name
Description
Pay
These fields appear when you tap the Transfer to Registered
Beneficiary option in the Transfer To list.
To Account
[Mandatory, Drop-Down]
Indicates the account number of the registered beneficiary to
whom you want to transfer funds.
View Bene Details
[Hyperlink]
Displays this link to view details of the registered beneficiary in a
pop-up window.
The details include the name, address, city and bank of the
registered beneficiary.
Source
From Account
[Mandatory, Drop-Down]
Indicates your account from which you want to transfer funds.
Available Balance
[Display]
Displays the available balance of the account from which you want
to transfer funds.
Beneficiary Info
These fields mentioned below appear when you tap the Make a
New Payment option in the Transfer To list.
Beneficiary Name
[Mandatory, Alphanumeric , 35]
Indicates the name of the beneficiary for the transfer.
Beneficiary Email
[Mandatory, Alphanumeric, 40]
Indicates the e-mail address of the beneficiary for the transfer.
Transfer Mode
Transfer Mode
[Mandatory, Drop-Down]
Indicates the mode of transfer of funds for the beneficiary.
The options are:

SWIFT

National Clearing Code

Bank Details
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Field Name
Description
Swift Code
This field appears only if you tap the SWIFT option in the
Transfer Mode list.
Swift Code
[Conditional, Alphanumeric , 11]
Indicates the SWIFT code to transfer the funds.
National Clearing Code These fields appear if you tap the National Clearing Code option
in the Transfer Mode list.
National Clearing Code [Conditional, Drop-Down]
Type
Indicates the clearing system for the transfer of funds for the
beneficiary.
National Clearing Code [Conditional, Alphanumeric , Lookup]
Indicates the clearing code of the bank.
Tap Lookup icon to search and tap the National Clearing Code of
the bank.
Bank Details
Bank Name
Bank Address
Bank City
Bank Country
These fields appear if you tap the Bank Details option in the
Transfer Mode list.
[Conditional, Alphanumeric , 35]
Indicates the name of the beneficiary bank.
[Conditional, Alphanumeric , 35x2]
Indicates the address of the beneficiary bank.
[Conditional, Alphanumeric , 35]
Indicates the city of the beneficiary bank.
[Conditional, Alphanumeric , 35]
Indicates the country of the beneficiary bank.
These fields mentioned below appear when you tap the Make a
New Payment option in the Transfer To list and then tap the
Receive over Counter option in the Fund Delivery Mode list.
Address
[Mandatory, Alphanumeric , 34x2]
Indicates the address of the beneficiary.
City
[Mandatory, Alphanumeric , 34x2]
Indicates the city of the beneficiary.
Country
[Mandatory, Drop-Down]
Indicates the country of the beneficiary.
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Field Name
Account Number
Description
[Mandatory, Alphanumeric , 20]
Indicates the account number of the beneficiary for the transfer.
This field appears when you tap the Make a New Payment option
in the Transfer To list and then tap the Deposit To Account
option in the Fund Delivery Mode list.
Transfer
Amount
[Mandatory, Numeric, 15]
Indicates the amount you want to transfer to the beneficiary.
Currency
[Mandatory, Drop-Down]
Indicates the currency of the amount you want to transfer.
Payment Details 1
[Mandatory, Drop-Down]
Indicates the payment details for the fund transfer.
Payment Details 2
[Optional, Alphanumeric , 35]
Indicates the other payment details, if any, for the fund transfer.
Correspondence
Charges
[Mandatory ,Drop-Down]
Narrative
[Optional, Alphanumeric ,35]
Indicates the party bearing the charges for transaction.
Indicates the narrative for the transaction.
4.
From the Transfer To list, if you tap the Transfer To Registered Beneficiary option:
a. From the To Account list, tap the appropriate option.
b. From the From Account list, tap the appropriate option.
5.
From the Transfer To list, if you tap the Make a New Payment option and then from the Funds
Delivery Mode list, tap either the Deposit to Account option or the Receive over Counter
option, enter the beneficiary details:
a. In the Beneficiary Account Number field, enter the account number of the beneficiary for the
transfer.
b. In the Beneficiary Nick Name field, enter the nick name of the beneficiary.
6.
From the Transfer To list, if you tap the Make a New Payment option and then,
from the Funds Delivery Mode list, if you tap either the Deposit to Account option or the
Receive over Counter option,
from the Transfer Mode list, tap the appropriate option:
a. If you tap the SWIFT option:
i.
In the SWIFT code field, enter the SWIFT code to transfer the funds.
b. If you tap the National Clearing Code option:
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c.
7.
i.
From the National Clearing Code Type list, tap the appropriate option.
ii.
In the National Clearing Code field, enter the clearing code of the bank.
If you tap the Bank Details option:
i.
In the Bank Name field, enter the name of the bank.
ii.
In the Bank Address field, enter the address of the bank.
iii.
In the Bank City field, enter the city of the bank.
iv.
In the Bank Country field, enter the country of the bank.
From the Transfer To list, if you tap the Make a New Payment option and then from the Funds
Delivery Mode list, if you tap the Receive over Counter option:
a. In the Address field, enter the address of the beneficiary.
b. In the City field, enter the city of the beneficiary.
c.
8.
In the Country field, enter the country of the beneficiary.
From the Transfer To list, if you tap the Make a New Payment option and then from the Funds
Delivery Mode list, if you tap the Deposit To Account option:
a. In the Account Number field, enter the account number of the beneficiary for the transfer
9.
In the Amount field, enter the amount you want to transfer to the beneficiary.
10.
From the Currency list, tap the appropriate option.
11.
From the Payment Details 1 list, tap the appropriate option.
12.
From the Correspondence Charges list, tap the appropriate option.
13.
Tap Pay Now.
OR
Tap Pay On and tap the date for transfer of funds.
The International Transfer – Verify screen appears.
Note: For more information about the payment options, see Payment Options in this User Manual.
International Transfer Verify
14.
Tap Confirm.
The International Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The International Transfer screen appears.
15.
Tap Ok.
The initial International Transfer screen appears.
OR
Tap the Email icon to email the transaction reference number.
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OR
Tap the Save icon to save the transaction reference number.
29.6 Scheduled Transfers
Using this option, you can view your pending transfers and standing instructions for all
transactions in the application. You can also cancel the pending transfers and standing
instructions for all transactions in the application.
To view scheduled payments
1.
From the More menu, tap Transfers, tap Schedule Payments, and then tap Scheduled
Payments.
The Scheduled Payments screen appears.
Schedule Payments
Field Description
Field Name
Description
Select Your
Account
[Mandatory, Drop-Down]
Transfer Mode
[Mandatory, Drop-Down]
Indicates the account number you want to see scheduled
payments.
Indicates the transfer mode of payments.
The options are:

International

Domestic

Within Bank
2.
From the Select Your Account list, tap the appropriate option.
3.
From the Transfer Mode list, tap the appropriate option.
4.
Tap Continue.
The Scheduled Payments –Search Results screen appears.
OR
Tap Cancel.
The Total Position screen appears.
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Schedule Payments – Search Results
Field Description
Field Name
Description
Reference No.
[Display]
Displays the transaction reference number.
Date
[Display]
Displays the first execution date in case of standing instruction or the
execution date in case of future dated transfer.
Transfer
Instruction
[Display]
Amount
[Display]
Displays the instruction set on the account for transaction i.e.
Standing instruction or pending transfer.
Displays the transaction amount with currency.
5.
Tap the required transaction.
The scheduled payment and details of the selected transaction.
Schedule Payment Details
Field Description
Field Name
Description
Source Account
[Display]
Displays the source account for the standing instruction.
Destination
Account
[Display]
Start Date
[Display]
Displays the destination account for the standing instruction.
Displays the start date of the standing instruction.
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Field Name
Description
End Date
[Display]
Displays the end date of the standing instruction.
Frequency
[Display]
Displays the frequency of the standing instruction.
Transfer Amount
[Display]
Displays the transfer amount (along with currency) for the standing
instruction.
Reference No
[Display]
Displays the reference number for the standing instruction.
Transfer
Instruction
[Display]
Transfer Mode
[Display]
Displays the standing instruction for the transfer.
Displays the mode of transfer for the standing instruction.
Status
[Display]
Displays the status of the standing instruction.
Narrative
[Display]
Displays the narrative for the standing instruction.
6.
Tap Cancel This Transaction if you want to cancel the selected standing instruction or pending
transfer.
The Schedule Payment – Cancel Pending Transfer – Verify screen appears.
Schedule Payment – Cancel Pending Transfer Verify
7.
Tap the Cancel This Transaction if you want to cancel the selected standing instruction or
pending transfer.
The system displays Schedule Payment – Cancel Pending Transfer – Verify screen appears.
Schedule Payment – Cancel Standing Instruction Verify
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8.
Tap Ok if you want to confirm the cancellation of the selected scheduled transfer.
The acknowledgement screen appears for cancellation.
OR
Tap Cancel.
The Schedule Payment – Cancel Pending Transfer – Verify screen appears.
9.
Tap Ok on the acknowledgement screen appears.
The initial Schedule Transfer Result screen appears.
29.7 Payment Options
There are three types of payment options available in the application.

Pay Now

Pay Periodically

Pay On
The payment options displayed depend on the type of transfer of funds.
29.7.1 Pay Now
Using this option, you can make the immediate payment on the current date.
To make an immediate payment of funds
1.
From the More menu, tap Transfers.
2.
Tap any transfer transaction.
For example, tap Own Account Transfer.
The Own Account Transfer screen appears.
Own Account Transfer
3.
Enter the appropriate details in the respective fields.
4.
Tap Pay Now.
The Own Account Transfer Verify screen appears.
5.
Enter the appropriate details in the respective fields.
6.
Tap Pay Now.
The Own Account Transfer Verify screen appears.
7.
Tap Confirm.
The Own Account Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Own Account Transfer screen appears.
8.
Tap OK.
The initial Own Account Transfer screen appears.
OR
Tap the Save icon to save the transaction reference number.
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OR
Tap the Print icon to print the transaction reference number.
29.7.2 Pay Periodically
Using this option, you can make the payment on the periodic basis.
To make a payment of funds on a periodic basis
1.
From the More menu, tap Transfers.
2.
Tap any transfer transaction.
For example, tap Own Account Transfer.
The Own Account Transfer screen appears.
Own Account Transfer
3.
Enter the relevant details.
4.
Tap Pay Periodically.
The Pay Periodically screen appears.
Pay Periodically
Field Description
Field Name
Description
Frequency
[Mandatory, Drop-Down]
Indicates the frequency of the standing instruction for the payment.
From Date
[Mandatory, Pick List]
Indicates the start date of the standing instruction for the payment.
To Date
[Mandatory, Pick List]
Indicates the end date of the standing instruction for the payment.
5.
From the Frequency list, tap the appropriate option.
6.
In the From Date field, tap the start date of the standing instruction for the payment.
7.
In the To Date field, tap the end date of the standing instruction for the payment.
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8.
Tap Submit.
The Own Account Transfer – Verify screen appears.
OR
Tap Cancel.
The Own Account Transfer screen appears.
9.
Tap Confirm.
The Own Account Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Own Account Transfer screen appears.
10.
Tap OK.
The initial Own Account Transfer screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
29.7.3 Pay On
Using this option, you can make the payment on the specific mentioned date.
To make payment of funds on a later date
1.
From the More menu, tap Transfers.
2.
Tap any transfer transaction.
For example, tap Own Account Transfer.
The Own Account Transfer screen appears.
Own Account Transfer
3.
Enter the relevant details.
4.
Tap Pay On.
The Transfer Date screen appears.
5.
Tap the required date of payment and then tap Select.
The Own Account Transfer – Verify screen appears.
OR
Tap Back.
The Own Account Transfer screen appears.
6.
Tap Confirm.
The Own Account Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Own Account Transfer screen appears.
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7.
Tap OK.
The initial Own Account Transfer screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
Note: If the transaction password is configured for the transaction, you have to enter transaction
password after tapping Confirm on the Verify screen appears of the transaction.
For more information about the transaction password, see Transaction Password section in this User
Manual.
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30. P2P Payments
30.1 Register for P2P Transfer
Using this option, you can register for Peer to Peer (P2P) transfer in the application. You must
register an account mapped to your User ID in the application for P2P payments.
You can also register for P2P transfer by entering a security code.
If you are an unregistered user of the application, you must first register for the application, before
registering for P2P transfer.
To register for P2P transfer without logging in the application
1.
Tap the Receive Payments panel on the login page of the application.
The Security Code screen appears.
Security Code
Field Description
Field Name
Description
Mode to which
payment is
received
[Mandatory, Tab]
Indicates the mode of the receiving payments.
The options are:
Security Code

Email

Mobile

Facebook
[Mandatory, Alphanumeric , 5-8]
Indicates the code as entered by the sender while sending the
payment.
The security code that you enter is masked.
Mobile Number
[Mandatory, Alphanumeric , 50]
Indicates your mobile number to which peer payment is made
This field appears if you tap the Mobile option from the Mode to
which payment is received field.
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Field Name
Description
Email Id
[Mandatory, Alphanumeric , 50]
Indicates your email address to which peer payment is made.
This field appears if you tap the Email option from the Mode to
which payment is received field.
2.
In the Security Code field, enter the code as entered by the sender while sending the payment.
3.
In the Mode to which payment is received field, tap the appropriate option.
a. If you tap the Email option:
i.
In the Email Id field, enter your email address to which peer payment is made.
b. If you tap the Mobile option:
i.
c.
If you tap the Facebook option:
i.
4.
In the Mobile Number field, enter the mobile number to which peer payment is made.
Tap Login to login to your Facebook profile and receive the peer payment.
Tap Submit.
The screen appears for registration process for receivers of P2P transfer who are non-existing
users of the bank.
OR
Tap Cancel to view the login page of the application.
Registration process for receivers of P2P transfer - non-existing users of the bank
Field Description
Field Name
Description
Personal Details
First Name
[Mandatory, Alphanumeric , 1-20]
Indicates your first name.
Last Name
[Mandatory, Alphanumeric , 1-20]
Indicates your last name.
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Field Name
Description
Email Id/ User Id
[Mandatory, Alphanumeric , 40, Display]
Indicates your email address name.
Displays your User ID in the application if you are a registered user
of the bank and want to register for P2P transfer.
Mobile Number
[Optional, Alphanumeric , 15, Display]
Indicates your mobile number.
Displays the contact number if the P2P payment is made to
contact number.
Password
[Mandatory, Alphanumeric ]
Indicates the password that you want for the application.
Re-enter
Password
[Mandatory, Alphanumeric ]
Re-enter the password that you want for the application for
verification.
Bank Account
Details
Select Account
Type
[Mandatory, Tab]
Indicates the account type within bank or with other bank.
The options are:

Account within Bank

Account with other bank
Enter Account
Number
[Mandatory, Alphanumeric , 1-16]
Bank Code
[Mandatory, Alphanumeric , 1-20, Lookup]
Indicates the account number to receive funds.
Indicates the bank code of the receiver’s bank.
Tap the Lookup icon to search and tap the required bank code.
Bank Name
[Mandatory, Alphanumeric , 1-20, Display]
Indicates the bank to which the receiving account belongs to.
Address
[Mandatory, Alphanumeric , 50, Display]
Indicates the address of the bank with the receiving account.
5.
In the First Name field, enter your first name.
6.
In the Last Name field, enter your last name.
7.
In the Email Id/ User Id field, enter your email address or your User ID in the application.
8.
In the Mobile Number field, enter your mobile address.
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9.
In the Password field, enter the password that you want for the application
10.
In the Re-enter Password field, re- enter the password that you want for the application.
11.
In the Select Account Type field, tap the appropriate option.
12.
In the Enter Account Number field, enter the account number to receive funds.
13.
In Bank Code field, enter or tap the bank code of the receiver’s bank
14.
In the Bank Name field, enter the bank name of the receiving account.
15.
In the Address field, enter the bank address of the receiving account.
16.
Tap Submit.
The screen appears for verification and confirmation for the registration.
OR
Tap Cancel to close the screen without registering the account.
To register for P2P transfer from the application
17.
Login to the OBDX application.
18.
From the More menu, tap Transfers, tap Manage Beneficiary, and then tap P2P Beneficiaries.
The Get On Boarded screen appears.
Get On Boarded
Field Description
Field Name
Description
Register/Security
Code
[Mandatory, Tab]
Indicates tab to register for P2P transfer with or without using
security code.
The options are:
Select your
Account

Register

Security Code
[Mandatory, Drop-Down]
Indicates the account number to receive funds.
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Field Name
Description
Mode to which
payment is
received
[Mandatory, Tab]
Indicates the mode of the receiving payments.
The options are:
Security Code

Email

Mobile

Facebook
[Mandatory, Alphanumeric , 5-8]
Indicates the code as entered by the senders while sending the
payment.
Mobile Number
[Display]
Displays your mobile number as present in the application.
Email Id
[Display]
Displays the e-mail as present in the application.
19.
In the Register/Security Code field, tap the appropriate option.
20.
From the Select your Account list, tap the appropriate option.
21.
In the Mode to which payment is received field, tap the appropriate option.
22.
In the Security Code field, enter the code as entered by the sender while sending the payment.
23.
Tap Continue.
The screen appears for verification and confirmation for the registration.
OR
Tap Cancel to view the previous screen.
30.2 P2P NFC Pay
Using this option, you can transfer or receive funds from your account to another user of the
same bank from the application using NFC (Near Field Communication) technology. The transfer
of funds with P2P NFC based payment is possible if both the sender and receiver involved have
NFC based devices and have given mutual consent for the transfer.
Note: For more information about on adding a peer-to-peer beneficiary in the application, see Beneficiary
Maintenance section in this User Manual.
To transfer funds with NFC technology
1.
From the More menu, tap Transfers, tap Proximity Pay, tap P2P and then tap NFC Pay.
The Proximity Pay-NFC screen appears.
2.
Tap Send Money to transfer funds.
The screen appears to transfer funds with NFC technology.
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Field Description
Field Name
Description
Source
From Account
[Mandatory, Drop-Down]
Indicates the appropriate account from which the amount is to be
transferred.
Available Balance
[Display]
Displays the available balance for the selected source account.
Transfer
Amount
[Mandatory, Numeric, Alphanumeric Box, 1-15]
Indicates the amount that you want to transfer.
Currency
[Mandatory, Drop-Down]
Indicates the currency of the amount that you want to transfer.
Narrative
[Optional, Alphanumeric Box, 35]
Indicates the desired narrative relevant to the transfer.
3.
From the From Account list, tap the appropriate option.
4.
In the Amount field, enter the amount that you want to transfer.
5.
From the Currency list, tap the appropriate option.
6.
Tap Start NFC.
The NFC screen appears.
OR
Tap Back.
The screen appears to transfer funds with NFC technology.
7.
Tap your device to the required NFC-enabled device.
The success message appears on screen appears.
8.
Tap Pay Now.
The P2P –NFC – Send Money Verify screen appears.
9.
Tap Confirm.
The P2P –NFC – Send Money – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The screen appears to transfer funds with NFC technology.
10.
Tap Ok.
The Proximity Pay-NFC screen appears
To receive funds with NFC technology
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11.
Tap Receive Money to receive funds.
The screen appears to receive funds with NFC technology.
Field Description
Field Name
Description
Source
From Account
[Mandatory, Drop-Down]
Indicates the appropriate account from which the amount is to be
transferred.
Available Balance
[Display]
Displays the available balance for the selected source account.
12.
From the From Account list, tap the appropriate option.
13.
Tap Received.
The NFC gets started.
OR
Tap Back.
The screen appears to receive funds with NFC technology.
14.
Ensure that your device is closer to sender’s device to receive money.
The system submits the account information of the receiver into the system and then on initiating
the contact the system passes the account information to the sender’s device.
30.3 P2P Payment
Using this option, you can make P2P (peer to peer) payments in the application to beneficiaries
listed in the application, to contacts stored in your device or to your Facebook contacts. You can
also make P2P payments to beneficiaries with known e-mail addresses or contact numbers.
Note: For more information about adding a peer-to-peer beneficiary in the application, see Add a P2P
Beneficiary subsection in the Beneficiary Maintenance section in this User Manual.
To make a P2P transfer
1.
From the More menu, tap Transfers, tap Proximity Pay, and then tap P2P Transfer.
The Peer to Peer Payments screen appears.
Peer to Peer Payments
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Field Description
Field Name
Description
Select ID Type
[Mandatory, Drop-Down]
Indicates the type of ID of the beneficiary to whom you want to
make a P2P payment.
The options are:
Pay

Facebook

Email

Mobile
[Display/ Alphanumeric , 40 / Look up]
Indicates the email address or the contact number of the
beneficiary
Tap Look-up icon to search for the name of the P2P beneficiary.
Tap the required beneficiary and then tap Close.
Depending upon the selected ID Type, the respective details of the
beneficiary.
From
Select your
Account
[Mandatory, Drop-Down]
Balance
[Display]
Indicates the account from which you want to make the payment.
Displays the available balance for the selected source account.
Amount
[Mandatory, Alphanumeric Box, 1-15]
Indicates the amount to be transferred.
Currency
[Mandatory, Drop-Down]
Indicates the currency for the transfer of funds.
2.
From the Select ID Type list, tap the appropriate option.
3.
In the Pay field, Look-up icon to search for the name of the P2P beneficiary, tap the required
beneficiary and then tap Close.
4.
From the Select your Account list, tap the appropriate option.
5.
In the Amount field, enter the amount to be transferred.
6.
From the Currency list, tap the appropriate option.
7.
Tap Pay Now.
OR
Tap Pay On and tap the date for transfer of funds.
The P2P Transfer – Verify screen appears.
Note: For more information about the payment options, see Payment Options section in this User Manual.
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P2P Transfer Verify
8.
Tap Confirm.
The P2P Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The P2P Transfer screen appears.
9.
Tap Ok.
The initial P2P Transfer screen appears.
OR
Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
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30.4 P2P-QR Pay
Using this option, you can make P2P payments in the application using QR codes (Quick
Response Codes).
You can transfer funds from your account to another user of the same bank in the application by
scanning a QR code. You can scan QR code from any flat surface and read the beneficiary
account details.
The receiver of the P2P QR code based payment can generate the QR code by specifying the
credit account number. The receiver can also print and download the QR code for future
reference.
When sending funds, once you scan the QR code from the camera of the device, the application
identifies the beneficiary account details and initiates the transfer.
Note: For more information about adding a peer-to-peer beneficiary in the application, see Add a P2P
Beneficiary subsection in the Beneficiary Maintenance section in this User Manual.
To make a P2P- QR code based payment
1.
From the More menu, tap Transfers, tap Proximity Pay, and then tap P2P – QR Pay.
The Proximity Pay-QR screen appears.
Proximity Pay-QR
To transfer funds with a QR code
2.
Tap Send Money to transfer funds.
The screen appears to transfer funds with QR code.
P2P –QR – Send Money
Field Description
Field Name
Description
Source
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Field Name
Description
From Account
[Mandatory , Drop-Down]
Indicates the account number from which the amount is to be
transferred.
Available Balance
[Display]
Displays the available balance for the selected source account.
Transfer
Amount
[Mandatory, Numeric, Alphanumeric Box, 15]
Indicates the amount that you want to transfer.
Currency
[Mandatory, Drop-Down]
Indicates the currency of the amount that you want to transfer.
Narrative
[Optional, Alphanumeric Box, 50]
Indicates the desired narrative relevant to the transfer.
Set As Default
[Optional, Check Box]
Indicates whether the selected account is the default account for
the transaction
You can set only one account as the default for the transaction.
This field appears if you are yet to set any account as the default.
3.
From the From Account list, tap the appropriate option.
4.
In the Amount field, enter the amount that you want to transfer.
5.
From the Currency list, tap the appropriate option.
6.
Tap Start Scan.
The device camera is enabled and search for the QR Code to read the beneficiary account
details.
Once QR Code is detected, the Pay Now option appears on the screen appears.
OR
Tap Back.
The screen appears to transfer funds with QR code.
7.
Tap Pay Now.
The P2P –QR – Send Money – Verify screen appears.
8.
Tap Confirm.
The P2P –QR – Send Money – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The P2P –QR – Send Money screen appears.
9.
Tap Ok.
The initial Proximity Pay-QR screen appears.
OR
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Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
To receive funds with a QR code
1.
Tap Receive Money to receive funds.
The screen appears to receive funds with QR code.
P2P –QR – Receive Money
Field Description
Field Name
Description
Source
From Account
[Mandatory, Drop-Down]
Indicates the account number from which the amount is to be
transferred.
Available Balance
[Display]
Displays the available balance for the selected source account.
2.
From the From Account list, tap the appropriate option.
3.
Tap Generate.
The QR code and the source account number appear.
OR
Tap Back.
The screen appears to receive funds with QR code.
P2P –QR – Receive Money
4.
Tap Save to save the QR code.
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30.5 Receive P2P Payments
Using this option, you can receive P2P payments received without logging in the application.
You must either register for the application or enter a security code to receive the P2P payments.
30.6 P2P Activity
Using this option, you can view the recent P2P payments received in your account.
You can also modify, or unsubscribe your account which is registered for Peer –to – Peer
Payment in the application.
To view received P2P payments from the application
1.
From the More menu, tap Transfers, tap Proximity Pay, and then tap P2P Activity.
The Received Payments screen appears.
Received Payments
Field Description
Field Name
Description
Value Date
[Display]
Displays the date on which payment has been received.
Transaction Type
[Display]
Displays the type of transaction.
Updated By
[Display]
Displays the name of user who last updated the transaction.
Created By
[Display]
Displays the name of user who initiated the transaction.
Host Reference
Number
[Display]
Displays the host reference number of the transaction.
Received Payments
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P2P Payments
2.
Tap any transaction link.
The Received Payments screen appears with details of the selected payment.
Received Payment Details
Field Description
Field Name
Description
Date
[Display]
Displays the date on which transaction has been generated.
Received
[Display]
Displays the name of the sender.
User Reference
[Display]
Displays the user reference number generated for transaction
Amount
[Display]
Displays the amount received from the sender.
Status
[Display]
Displays the current status of the transaction.
3.
Tap Back.
The initial Received Payments screen appears.
To modify your account registered for P2P payment
4.
From the More menu, tap Transfers, tap Proximity Pay, and then tap P2P Activity.
The Received Payments screen appears.
5.
Tap View User Profile on the Received Payments screen appears.
6.
Tap Manage Profile.
The Manage Profile screen appears.
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Manage Profile
Field Description
Field Name
Description
Account Number
[Display]
Displays the account number to receive funds through P2P
transfer.
Bank Name
[Display]
Displays the name of the bank where the account to receive funds
through P2P transfer is present.
Bank Code
[Display]
Displays the code of the bank where the account to receive funds
through P2P transfer is present.
Address
[Display]
Displays the address of the bank where the account to receive
funds through P2P transfer is present.
City
[Display]
Displays the city of the bank where the account to receive funds
through P2P transfer is present.
Account Status
[Display]
Displays whether the account to receive funds through P2P
transfer is verified.
7.
Tap Modify.
The screen appears to modify your account which is registered for P2P Payment.
OR
Tap Cancel.
The Manage Profile screen appears.
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Manage Profile – Modify
Field Description
Field Name
Description
Select Account
Number
[Mandatory, Drop-Down]
Email
[Display]
Indicates the account number to receive funds through P2P
transfer.
Displays your e-mail address as present in the application.
Mobile Number
[Display, Alphanumeric , 15]
Displays your mobile number as present in the application.
8.
From the Select Account Number list, tap the appropriate option.
9.
Tap Submit.
The Manage Profile – Verify screen appears.
OR
Tap Cancel.
The screen appears to modify your account which is registered for P2P Payment.
Manage Profile – Verify
10.
Tap Confirm.
The Manage Profile – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Manage Profile screen appears.
11.
Tap OK.
The initial Manage Profile screen appears.
To unsubscribe your account registered for P2P payments
1.
From the More menu, tap Transfers, tap Proximity Pay, and then tap P2P Activity.
The Received Payments screen appears.
2.
Tap View User Profile on the Received Payments screen appears.
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3.
Tap Unsubscribe Services.
The Unsubscribe screen appears.
Unsubscribe Services
4.
Tap Unsubscribe.
Your account number registered for P2P payments is removed and the success message
appears for updating the account for P2P transfer.
OR
Tap Cancel to view the previous screen.
5.
Tap OK.
The initial Receive Payments screen appears.
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Bill Payment
31. Bill Payment
31.1 Add Utility Biller / Register Biller
Using this option, you can register billers in the application for bill payment. You can view or
delete the registered billers or pay bills from these registered billers.
To add /register a utility biller
1.
From the More menu, tap Pay Bills, and then tap View/ Add Utility Biller.
The Biller List screen appears.
2.
Tap Add Biller.
The Register Biller screen appears.
Register Biller
Field Description
Field Name
Description
Select Customer
[Mandatory, Drop-Down]
Indicates the customer under which biller is to be registered.
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Bill Payment
Field Name
Description
Select Biller
[Mandatory, Drop-Down]
Indicates the billers available for your account as maintained by
the bank.
Service Account
Number
[Mandatory, Alphanumeric , 20]
Biller Nick Name
[Mandatory, Alphanumeric , 20]
Indicates your unique account number with the biller.
Indicates nickname of the biller for registration.
3.
From the Select Customer list, tap the appropriate option.
4.
From the Select Biller list, tap the appropriate option.
5.
In the Service Account Number field, enter your unique account number with the biller.
6.
In the Biller Nick Name field, enter the nickname of the biller for registration.
7.
Tap Submit.
The Register Biller – Verify screen appears.
Register Biller – Verify
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Bill Payment
8.
Tap Confirm.
The Register Biller – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Register Biller screen appears.
Register Biller Confirm
9.
Tap Ok.
The initial Register Biller screen appears.
31.2 Pay Bills
Using this option, you can make bill payments to registered billers in the application.
To pay bill
1.
From the More menu, tap Pay Bills, and then tap Bill Payment.
The Pay Bills screen appears.
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Pay Bills
Field Description
Field Name
Description
Payee
Select Biller
[Mandatory, Drop-Down]
Indicates the registered biller.
Pay Bill From
From Account
[Mandatory, Drop-Down]
Indicates your account from which you want to pay the bill amount.
Payment Details
Payment Amount
[Mandatory, Numeric, Alphanumeric Box,15]
Indicates the bill amount.
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Bill Payment
Field Name
Description
Bill Number
[Mandatory, Alphanumeric, 20]
Indicates the bill number as present on the bill.
Bill Generation
Date
[Mandatory, Pick List]
Indicates the date on which the bill has been generated.
2.
From the Select Biller list, tap the appropriate option.
3.
From the From Account list, tap the appropriate option.
4.
In the Payment Amount field, enter the bill amount.
5.
In the Bill Number field, enter the bill number as present on the bill.
6.
In the Bill Generation Date field, tap the date on which the bill has been generated.
7.
Tap Submit.
The Pay Bill – Verify screen appears.
Pay Bill – Verify
8.
Tap Confirm.
The Pay Bill – Confirm screen appears with the transaction reference number.
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Bill Payment
OR
Tap Change.
The Pay Bill screen appears.
9.
Tap OK.
The initial Pay Bill screen appears.
OR
Tap the Email icon to email the transaction reference number.
OR
Tap the Save icon to save the transaction reference number.
31.3 Delete a Utility Biller
Using this option, you can delete details of a registered biller in the application.
To delete a utility biller
1.
From the More menu, tap Pay Bills, and then tap View Add Utility Biller.
The Biller List screen appears.
Biller List
Field Description
Field Name
Description
Search
[Mandatory, Alphanumeric , 50]
Indicates the text used to search details of registered billers.
Biller Name
[Display, Hyperlink]
Displays the biller registration details.
Displays the link to select the biller.
Service Account
Number
[Display]
Biller Nick Name
[Display]
Displays your unique account number with the biller.
Displays the nickname of the biller for registration.
2.
In the Search field, enter the text used to search details of registered billers.
The search result appears according to your search criteria.
OR
Tap the required Biller Name link.
The Delete Biller screen appears.
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Bill Payment
Delete Biller
Field Description
Field Name
Description
Customer Id
[Display]
Displays the Customer Id under which biller has been registered.
Registered On
[Display]
Displays the date on which the biller is registered.
Biller Name
[Display]
Displays the name of the biller.
Service Account
Number
[Display]
Biller Nick Name
[Display]
Displays your unique account number with the biller.
Displays the nickname of the biller.
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Bill Payment
3.
Tap Delete Biller.
The Delete Biller - Verify screen appears.
Delete Biller - Verify
4.
Tap Confirm.
The Delete Biller – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Delete Biller screen appears.
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Bill Payment
Delete Biller-Confirm
5.
Tap Ok.
The updated Biller List screen appears.
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Transaction Password
32. Transaction Password
Transaction password is added security measure in mobile banking required for safer execution
of any transaction. When transaction password is configured for any transaction, then while
accessing that transaction, after selecting Confirm option on the verification screen, the system
asks for transaction password.
These two types of the transaction password can be configured for Mobile Banking as per
requirement:

Random Transaction Password

Transaction password
To perform the transaction for which random transaction password is configured
1.
Access any transaction for which transaction password is configured.
For example from the More menu, tap Transfers, and then tap Own Account Transfer.
The Own Account Transfer screen appears.
Own Account Transfer
2.
Enter the relevant details.
3.
Tap a payment option.
For example, tap Pay Now.
The Transaction Password screen appears.
Transaction Password
Field Description
4.
Field Name
Description
Transaction
Password
[Mandatory, Alphanumeric , 20]
Indicates the transaction password that you have set in the
application.
Tap OK.
The Own Account Transfer – Verify screen appears.
OR
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Transaction Password
Tap Cancel.
The Own Account Transfer screen appears.
Own Account Transfer Verify
5.
Tap Confirm.
The Own Account Transfer – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The Own Account Transfer screen appears.
6.
Tap OK.
The initial Own Account Transfer screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
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Transaction Activities
33. Transaction Activities
Using this option, you can view details of all transactions that you have initiated in the application.
You can view details such as status, E-banking Reference Number, name of the user who has
created the transaction, date of update and value date for the initiated transactions.
To view the transaction details
1.
From the More menu, tap Customer Services, tap Transaction Activities, and then tap View
Initiated Transactions.
The Transactions screen appears.
Transactions
Field Description
Field Name
Description
Transaction Type
[Display, Hyperlink]
Indicates the type of initiated transaction.
Displays the link to view the details of the initiated transaction.
Status
[Optional/ Drop-Down Display]
Displays the status of transaction.
Count
[Display]
Displays the number of transactions that have been initiated for a
transaction type
2.
Tap the required Transaction Type link.
The View Initiated Transactions screen appears with the details of the selected transaction
type.
OR
Tap Pending Authorizations.
The Pending Authorizations screen appears.
Note: The Pending Authorizations screen appears only if you are logged in as a corporate user in the
application and have authorization rights in the application.
View Initiated Transaction
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Transaction Activities
Field Description
Field Name
Description
Transaction Type
[Display]
Displays the type of the transaction that has been initiated.
Status
[Display]
Displays the status of transaction.
Count
[Display]
Displays the number of transactions that have been initiated for
particular transaction type.
E-banking Ref No
[Display]
Displays the reference number generated when the transaction
has been initiated.
Created By
[Display]
Displays the name of the user by whom transaction has been
initiated.
Date
[Display]
Displays the date on which the transaction has been initiated.
3.
Tap the required transaction to view more details of the transaction.
The screen appears with the details of the selected transaction.
View Initiated Transaction Details
Field Description
Field Name
Description
E-Banking Ref.
No.
[Display]
Created By
[Display]
Displays the reference number generated when the transaction
was initiated.
Displays the name of the user by whom transaction has been
done.
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Transaction Activities
Field Name
Description
Updated By
[Display]
Displays the user id of the user who last updated the status of the
transaction
Status
[Display]
Displays the status of transaction.
Value Date
[Display]
Displays the value date of the transaction
Created On
[Display]
Displays the date on which the transaction was initiated
Updated On
[Display]
Displays the date on which the transaction status was last updated
4.
Tap Back.
The View Initiated Transactions screen appears with the details of the selected transaction
type.
OR
Tap the Email icon to email the details.
OR
Tap the Save icon to save the details.
OR
Tap the Print icon to print the details.
Search Transactions
Using this option, you can search all initiated transactions as per these search criteria:

E-Banking Reference Number

Transactions in a specified amount range
To search transactions
1.
From the More menu, tap Customer Services, tap Transaction Activities, and then tap View
Initiated Transactions.
The Transactions screen appears.
2.
Tap the Search Filter icon.
The search criteria available for searching initiated transactions appear.
Search Transactions E-Banking Ref Number tab
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Transaction Activities
Search Transactions- Amount tab
Field Description
Field Name
Description
It is mandatory to tap either E-banking Ref No or Amount tab.
E-banking Ref No
[Optional, Tab]
Indicates that you want to search the initiated transactions using
the E-Banking reference number of the transactions.
Amount
[Optional, Tab]
Indicates that you want to search the transactions using the
transaction amount.
E-Banking Ref No
[Mandatory, Alphanumeric, 20]
Indicates the E-Banking reference number for searching the
transactions.
This field appears if you tap the E-banking Ref No tab.
Currency
[Mandatory, Drop-Down]
Indicates the currency of the transactions.
This field appears if you tap the Amount tab.
From Amount
[Optional, Numeric, 15]
Indicates the start amount of the amount range for searching the
transactions.
This field appears if you tap the Amount tab.
To Amount
[Optional, Numeric, 15]
Indicates the end amount of the amount range for searching the
transactions.
This field appears if you tap the Amount tab.
3.
Tap the required tab for searching the transaction.
a. If you tap the E-banking Ref No tab:
i.
In the E-banking Ref No field, enter the E-banking reference number for searching the
transactions.
b. If you tap the Amount tab:
i.
From the Currency list, tap the appropriate option.
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4.
Tap Search.
The Transactions screen appears with transactions as per your search criteria.
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Authorization of Transactions
34. Authorization of Transactions
If you have authorization rights in the application, using this option, you can view and authorize
transactions which are pending for your authorization. You can reject or authorize multiple
transactions of the same transaction type. You can also send a single transaction for
modification.
To authorize pending transactions
1.
From the More menu, tap Customer Services, tap Transaction Activities, and then tap
Pending Transactions.
The Transactions screen appears.
Transactions
Field Description
Field Name
Description
Description
[Display]
Displays the name of the transaction.
Status
[Display]
Displays the status of transaction.
Count
[Display]
Displays the number of transaction activities done for particular
transaction type.
2.
Tap the required transaction from the list that you want to authorize.
The details of the selected transaction appear.
Pending Transaction Details
Field Description
Field Name
Description
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Field Name
Description
Transaction
[Display]
Displays the name of the transaction.
Count
[Display]
Displays the number of transaction activities done for particular
transaction type.
Status
[Display]
Displays the status of transaction.
E-Banking Ref.
No.
[Display]
Created By
[Display]
Displays the reference number generated when the transaction
was initiated.
Displays the name of the user by whom transaction has been
done.
Amount
[Display]
Displays the transaction amount and currency.
This field appears only for financial transactions for which the
amount field is available.
Date
[Display]
Displays the initiation date of the transaction.
Note
[Optional, Alphanumeric , 100]
Indicates the remarks about the authorization.
3.
To tap the transactions that you want to authorize, tap the check boxes next to the required
transactions.
4.
Tap Authorize to authorize the transaction.
OR
Tap Reject to reject the transactions.
OR
Tap Send to Modify to send the transactions for modification.
The Pending Transactions – Verify screen appears.
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Authorization of Transactions
Pending Transactions Verify
5.
Tap Confirm.
The Pending Transactions – Confirm screen appears with the transaction reference number.
OR
Tap Change.
The previous Pending Transactions screen appears.
6.
Tap OK.
The initial Transactions screen appears.
OR
Tap the Save icon to save the transaction reference number.
OR
Tap the Print icon to print the transaction reference number.
Search transactions pending for authorization
Using this option, you can also search the transactions pending for authorization based on:

E-Banking Reference Number

Transactions in a specified amount range
To search transactions pending for authorization
1.
From the More menu, tap Customer Services, tap Transaction Activities, and then tap
Pending Transactions.
The Transactions screen appears.
2.
Tap the Search Filter icon.
The search criteria available for searching initiated transactions appear.
Note: For more information about searching transactions pending for authorization, see Transaction
Activities section in this User Manual.
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Forex Rate Inquiry
35. Forex Rate Inquiry
Using this option, you can view latest exchange rate for all available currencies in the application.
The forex rate between two currencies specifies how much one currency is worth in terms of the
other currency. The forex rate is also called the exchange rate or FX rate.
Exchange rates are displayed against the base currency of OBDX application.
To view forex rates
1.
From the More menu, tap Customer Services, tap Forex Rates, and then tap Forex Rates.
The screen for Forex Exchange Rate Inquiry appears.
Foreign Exchange Rate Inquiry
Field Description
Field Name
Description
From Currency
[Display]
Displays the name of base currency for which the foreign
exchange rates are displayed.
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Forex Rate Inquiry
Field Name
Description
To Currency
[Mandatory, Drop-Down]
Indicates the currency for which rate is to be inquired with respect
to the base currency.
2.
From the To Currency list, tap the appropriate option.
3.
Tap Submit.
The details of the exchange rates appear.
OR
Tap Reset to reset the To Currency list.
Foreign Exchange Rate Inquiry Result
Field Description
Field Name
Description
From Currency
[Display]
Displays the name of base currency for which the foreign
exchange rates are displayed.
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Field Name
Description
To Currency
[Display]
Displays the name of currency that bank offers for buying or selling
against foreign currency
Cash Buy
[Display]
This column displays the exchange rate at which the bank will buy
the foreign currency if the transaction is in cash.
Cash Sell
[Display]
This column displays the exchange rate at which the bank will sell
the foreign currency if the transaction is in cash.
TT Buy
[Display]
This column displays the exchange rate at which the bank will buy
the foreign currency if the transaction is through a telegraphic
transfer.
TT Sell
[Display]
This column displays the exchange rate at which the bank will sell
the foreign currency if the transaction is through a telegraphic
transfer.
4.
Tap Back.
The screen for Forex Exchange Rate Inquiry appears.
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Calculators
36. Calculators
Using calculators you can calculate the maturity amount for deposits made, amount
invested in savings plan etc. You can also search the foreign exchange rates and
calculate their eligibility for loans.
Calculators are available to existing logged in customers & prospects for the bank.
Note: You can use all available calculators without logging in the application. Tap the
Calculators panel to access the calculators from the login page.
To view calculators after logging in the application
1.
Tap the Calculators menu.
The list of available calculators appears
2.
Tap the required calculator.
The required calculator appears.
Calculators
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36.1 Loan Eligibility Calculator
Using this calculator, you can compute the eligible amount for a user for loan.
To view loan eligibility calculator
1.
From the Calculators menu, tap Loan Eligibility Calculator.
The Loan Eligibility Calculator screen appears.
Loan Eligibility Calculator
Field Description
Field Name
Description
Your Net Gross
Monthly Income
[Mandatory, Alphanumeric/slider, Numeric(1-15)]
Ongoing Monthly
Expenses
[Optional, Alphanumeric/slider, Numeric(1-15)]
Indicates monthly income.
Indicates monthly expenses.
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Field Name
Description
Tenure Of Loan (In
Months)
[Mandatory, Alphanumeric/slider, Numeric(1-3)]
Indicates the tenure of the loans in months.
By default, the tenure is12months – 360 months.
Interest Rate
Mandatory, [Alphanumeric/slider, Numeric(1-5)]
Indicates interest rate for which the eligibility is to be calculated
By default, the interest is 1%-25%
2.
In the Your Net Gross Monthly Income field, enter your monthly income or move the
slider to indicate your monthly income.
3.
In the Tenure Of Loan (In Months) field, enter the tenure of the loan or move the slider
to indicate the tenure of the loan.
4.
In the Interest Rate field, enter the interest of the loan or move the slider to indicate the
interest of the loan.
5.
Tap Calculate.
The loan amount you are eligible for appears in the Loan Eligibility Calculator screen
appears.
OR
Tap Reset to clear the entered values in the calculator.
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Calculators
Loan Eligibility Calculator - Result
Field Description
6.
Field Name
Description
You are Eligible
for a Loan of
Amount
[Display]
Your Monthly
Instalment will be
[Display]
Displays the eligible loan amount.
Displays the monthly installment amount for the loan.
Tap Back.
The initial Loan Eligibility Calculator screen appears.
36.2 Savings Calculator
Using this calculator, you can calculate interest earned and total value of deposits at
maturity for an amount deposited over a period of time at a particular frequency. The
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Calculators
calculator also provides an option to know the regular savings which is required to be
done to achieve the target amount.
To view savings calculator
1.
From the Calculators menu, tap Savings Calculator.
The Savings Calculator screen appears.
Savings Calculator 1
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Calculators
Savings Calculator 2
Field Description
Field Name
Description
I Want To
[Mandatory, Drop-Down]
Indicates whether you want save for a target or to save a regular
contribution to get a sum at the maturity.
The options are:
Interest rate (%)

Save for attaining a target goal

Save regularly and receive sum at maturity
[Mandatory, Numeric, (1-5)]
Indicates interest rate for which the total savings amount is to be
calculated.
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Field Name
Description
Target Amount
[Mandatory, Numeric, 15]
Indicates the target amount to save for a goal.
This field appears if you tap the Save for attaining a target goal
option from the I Want To list.
Initial Deposit
Amount
[Optional, Numeric, 15]
Frequency for
Regular
Contributions
[Mandatory, Drop-Down]
Indicates the initial amount deposited with currency.
Indicates the frequency at which deposit will be made.
The options are:
Regular
Contribution
Amount

Weekly

Fortnightly

Monthly

Quarterly

Annually

Only initial deposit amount.
[Optional, Numeric,15]
Indicates the contribution amount to save with currency.
This field appears only if you tap Save regularly and receive sum
at maturity in the I Want To field.
Choose
[Mandatory, Option]
Indicates that you want to enter the maturity date or the tenure for
the savings.
The options are:
Start Date

Maturity Date

Tenure
[Mandatory, Pick List]
Indicates the date for starting the calculation for savings.
The start date must be later than the current date.
Choose Tenure or
end date
[Mandatory, Pick List]
Indicates the end date or the tenure for which the investment is to
be made.
The end date must be later than the current date and the start
date.
2.
From the I Want To list, tap the appropriate option.
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c.
If you tap the Save for attaining a target goal option:
ii.
In the Target Amount field, enter the target amount to save.
d. If you tap Save regularly and receive sum at maturity option:
iii.
In the Regular Contribution Amount field, enter the monthly contribution
amount.
3.
In the Interest Rate field, enter the interest rate for which the total savings amount is to
be calculated.
4.
From the Choose list, tap the appropriate option.
5.
In the Start Date field, tap the start date for starting the calculation for savings.
6.
In the Choose Tenure or end date field, tap the end date for end date or the tenure for
which the investment is to be made.
7.
Tap Calculate.
The total amount that needs to be invested with a line graph for time vs amount appear.
OR
Tap Reset to clear the data in the calculator.
Savings Calculator –Result
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Savings Calculator –Result 2
Field Description
Field Name
Description
You should invest
[Display]
Displays the total amount that needs to be invested.
Frequency
[Display]
Displays the frequency that you have entered in the Savings
Calculator.
For Tenure
[Display]
Displays the tenure that you have entered in the Savings
Calculator.
To achieve a
target of
[Display]
Displays the target amount that you have entered in the Savings
Calculator.
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Field Name
Description
Total Interest
Earned Is
[Display]
Graph
[Display]
Displays the total interest that you have earned.
Displays a line graph for time v/s amount.
The details of amount are displayed when you hover over the line
of the graph.
8.
Tap Back.
The Savings Calculator screen appears.
36.3 Foreign Exchange Calculator
Using this calculator, you can calculate the equivalent amount in a currency for the
amount being sold in other currency for various types of purpose like buying currency
notes, buying travellers’ cheques, fund transfer. The foreign exchange calculator provides
the value of one currency in relation to another.
To view foreign exchange calculator
1.
From the Calculators menu, tap Foreign Exchange Calculator.
The Foreign Exchange Calculator screen appears.
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Foreign Exchange Calculator
Field Description
Field Name
Description
I Want To
[Mandatory, Drop-Down]
Indicates the purpose for conversion is required.
The options are:

Buy Foreign currency notes

Buy Travellers cheque

Make Fund Transfer
By default, Buy Foreign currency notes option is selected.
Currency I Have
[Optional, Drop-Down]
Indicates the Sell Currency for which you want the exchange rate.
Amount
[Mandatory , Alphanumeric Box, 20]
Indicates the amount for which you want the exchange rate.
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Field Name
Description
Currency I Require
[Optional, Drop-Down]
Indicates the Buy Currency for which you want the exchange rate
2.
From the I Want To list, tap the appropriate option.
3.
In the Amount field, enter the amount for which you want the exchange rate.
4.
Tap Submit. .
The Foreign Exchange Calculator screen appears with the calculated foreign exchange
rates.
OR
Tap Reset to clear the entered values in the calculator.
Foreign Exchange Calculator Result
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Field Description
Field Name
Description
Exchange rate
[Display]
Displays the exchange rate for both the buy and sells options for
the specified currency pair.
For example, 1 USD = 52.0063 INR and 1 USD = 0.01923 INR
Indicative Rate as
on
5.
[Display]
Displays the selected date as on which the rates are applicable.
Tap Back.
The initial Foreign Exchange Calculator screen appears.
36.4 Deposits Calculator
Using this calculator, you can calculate the interest which you can earn and total value of
deposit at maturity if a particular amount is invested at the bank over a fixed period of
time. You can also calculate the total maturity amount and interest amount for the
principal deposited.
To view deposit calculator
1.
From the Calculators menu, tap Deposits Calculator.
The Deposits Calculator screen appears.
Deposits Calculator
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Field Description
Field Name
Description
Amount I wish to
invest
[Mandatory Numeric, (1-15)]
Rate of interest
(%)
[Mandatory Numeric,(1-2)]
Choose
[Mandatory, Option]
Indicates principal amount of the deposit.
Indicates the interest rate of the deposit.
Indicates whether you want the period or maturity date for the
deposit calculator.
The options are:

Maturity Date

Tenure
By default, Tenure is selected.
Choose
Investment Period
[Conditional, Pick List]
Indicates the tenure of the deposit.
This field appears if you tap the Tenure option from the Choose
field.
Maturity Date
[Conditional, Pick List]
Indicates maturity date for the deposit.
This field appears if you tap the Maturity Date option from the
Choose field.
2.
In the Amount I wish to invest field, enter the principal amount of the deposit.
3.
In the Rate of interest (%) field, enter the rate of interest of the deposit.
4.
In the Choose field, tap the appropriate option.
a. If you tap the Tenure option:
i.
In the Choose Investment Period field, enter the tenure of the deposit.
b. If you tap the Maturity Date option:
ii.
5.
In the Maturity Date field, enter the maturity date of the deposit.
Tap Calculate.
The calculator result appears in the Deposits Calculator screen appears.
OR
Tap Reset to clear the entered values in the calculator.
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Deposit Calculator -Result
Field Description
Field Name
Description
Deposit value at
maturity
[Display]
Total interest
earned
[Display]
Annual
Percentage Yield
[Display]
Graph
[Display]
Displays the total deposit value at maturity.
Displays the total interest earned for the deposit amount.
Displays the annual percentage yield for the deposit amount.
Displays a line graph for time v/s amount.
The details of amount appear when you hover over the line of the
graph.
6.
Tap Back.
The initial Deposits Calculator screen appears.
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36.5 Goal Calculator
Using this calculator, you can view investment targets to reach your specified financial
goals in a specific period of time, given a rate of interest for your proposed investments.
Note: For more information on the Goal Calculator, see Goal Setting section in this User Manual.
36.6 Budget Calculator
Using this calculator, you can view total savings by comparing your monthly income and
total monthly savings and expenditure.
Note: For more information on the Budget Calculator, see Budget Management section in this
User Manual.
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ATM Branch Locator
37. ATM Branch Locator
Using this option, you can view the address and the location of all ATMs and branches of the
bank in the application.
To view the location and address of the ATM and branch
1.
Tap Find Us tab on the login screen of the application.
OR
From the More menu, tap Locate Us.
The Locations screen appears.
Locations
2.
Tap Near Me.
All ATMs or branches of the bank, located within a certain range of your device, appear in a list or
a map.
3.
Tap By Location.
Enter a location to search for ATMs or branches.
4.
Tap Augmented Reality.
The camera of your device opens and the system finds all the bank’s ATMs, branches/offers
available within a specified radius of the user through GPS.
Find Us – Results
Field Description
Field Name
Description
Enter Location
[Optional ,Alphanumeric , 35 ]
Indicates the area in which the search for ATMs and Branches of
the bank
Go
[Button]
Displays the button to view all the ATMs or branches of the bank
available in the specified location.
This field appears if you tap the By Location option in the initial
Locations screen appears.
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ATM Branch Locator
Field Name
Description
Branches
[Button]
Displays the button to view all the branches of the bank shall be
displayed in a map or list as per settings.
ATMs
[Button]
Displays the button to view all the ATMs of the bank shall be
displayed in a map or list as per settings.
Map View Icon
[Icon]
Displays the icon to view all the ATMs or branches in a map.
Radius
[Scroll bar]
Enter the range of radius to be selected for ATM/ branch.
This scroll bar is available on the map view.
List View Icon
[Icon]
Displays the icon to view all the ATMs or branches in a list.
ATM/branch
[Hyperlink]
Displays the link to view additional details of that ATM/branch.
By Location/ Near
Me
[Button]
Tap By Location to view all the ATMs/branches of the bank shall
be displayed in a map or a list as per settings in the specified
location.
Tap Near Me to view all the ATMs/branches, of the bank near the
device as per GPS that appear in a map or a list as per settings.
Message Icon
[Icon]
Displays the icon open the message application of your device
with the details of the selected ATM or Branch pre-loaded as the
message.
Enter the required phone number to send the details of the ATM or
Branch as a message.
Save Icon
[Icon]
Displays the icon to capture and save a screenshot of the current
screen appears into your picture library.
Email Icon
[Icon]
Displays the icon to open the e-mail application of your device with
the details of the selected ATM or Branch and the map of the ATM
or branch as an image on the Compose Mail screen appears.
Enter the required e-mail address to send the details of the ATM or
Branch as an email.
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ATM Branch Locator
5.
Field Name
Description
List or position on
map of Branches
[Display]
List or position on
map of ATMs
[Display]
This section displays the list of branches or the position of the
branches on a map if you have selected the Branches while
searching for the bank’s branches.
This section displays the ATMs or the position of the branches on
a map if you have selected the ATM while searching for the bank’s
ATMs.
Tap Back to view the previous screen.
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Offers
38. Offers
38.1 Location Based Offers:
Using this option, you can receive the offers from the bank based on your physical
location.
The application identifies your location using the GPS option available in the device in
terms of latitude and longitude. Based on the location identified, you can view the offers
that are identified and available in the area.
The offers received can have hyperlinks to display more data.
Tap on an offer that has more details, to view the details in a separate screen external to
the application.
Note: You must modify your device settings to allow location based services from the application.
If you have not allowed location based services for the application, you must tap your location
manually access the Offers without logging in the application.
38.2 Personalized / Targeted Offers
Targeted offers or advertisements that are relevant to you are displayed in Personalized
Offers section. These offers are based on your details and activity in the application.
You can access Offers from the application or before logging to the application.
To access the offers without logging in the application
1.
Open the OBDX application.
The home screen appears of the application appears.
2.
Tap Offers on the home screen of the application.
Note: If you have not allowed location based services for the application, tap OK to close the
message about Location-based services.
The Offers screen appears.
3.
In the Offers section, tap the required location.
4.
In the Select Location section, tap the required city.
5.
In the By Location section, tap the required offer category.
The offers in the selected offer category appear.
6.
Tap the required offer.
The details of the selected offer appear in a new screen appears.
To access the offers from the application
1.
Log on to the OBDX application.
2.
From the More menu, tap Miscellaneous, and then tap Personalised Offers.
The Offers screen appears.
3.
Tap the required offer.
The details of the selected offer appear in a new screen appears.
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