First Time Login

When a new user logs into the application for the first time with the user name and password provided by bank, there are certain tasks that he/she needs to fulfill before being able to access the online services of the bank. These steps are configured by Bank and can include accepting Terms and Conditions, Setting up Security Question, My profile and limit information.

Note: The steps and sequence for ‘First Time Login’ may vary for different users as defined or configured by System AdministratorAdministrator is a set of individuals that administer the applicant/Affiliate entity. For example, Accountants, Authorized Signatories for organizations, Power of Attorney for individuals..
Each step will either have Next or Skip button basis on the configuration done by Bank Administrator.

Prerequisites:

The bank administrator has enabled the First time login steps for Retail users.

You are here How to reach here:

Portal Page > Login

To log in to the application:

Open an internet browser to access the application.
Type the Oracle Banking Digital Experience URL in the Address bar, and press Enter.
The Portal page appears.
Click Login.
The Login screen appears.

Field Description

Field Name	Description
Username	Enter your login user name.
Password	Enter your login password.

In the Username field, enter your user name.
OR
Click icon to enter the username using the virtual keyboard.
In the Password field, enter your password.
OR
Click icon to enter the password using the virtual keyboard.

Note: The characters typed in the Password field appear masked (••••••) for security reasons.

Click Login.
The Force Password Change screen appears.

Note: Force Change password is not a part of First Time Login flow wizard, this screen will appear for every new user.
The Force Change Password screen will only appear for users for whom the password is set by administrator and not for the users who have self-registered themselves.

Force Password Change

Field Description

Field Name	Description
Current Password	Enter your current password as received on your email address.
New Password	Enter a new password.
Re-enter Password	Re-enter the new password to confirm the same.

In the Current Password field, your current password as set by the bank.
OR
Click icon to enter the current password using the virtual keyboard.
In the New Password field, enter a new password.
OR
Click icon to enter a new password using the virtual keyboard.
In the Re-enter Password field, re-enter the new password.
OR
Click icon to re-enter the new password using the virtual keyboard.
Click Submit. The success message appears.

Note: Password Conditions get highlighted in green if the user’s password is meeting the Password Policy criteria and highlighted in Red if the password is not as per the Password Policy maintained.

Click Login to log in to the application. The Login screen appears.
Enter the login credentials to log in to the application. The first screen of First Time Login as configured by the system administrator appears.

First Time Login - Terms and Condition

Read the terms and conditions.
Click Accept to accept the terms and Conditions.
The next configured screen appears

Field Description

Field Name	Description
Personal Information
User Name	Full name of the user gets displayed.
Date of Birth	Date of birth of the user gets displayed.
Aadhar Card Number	Aadhar number of the user, as maintained with the bank gets displayed. It is an identification number issued by government of India. Note: This identification type is applicable for India region. Bank can configure the identification types to be displayed and to be available for modification as per their region.
PAN Card Number	PAN number of the user, as maintained with the bank gets displayed. It is issued by the income tax department of India. Note: This identification type is applicable for India region. Bank can configure the identification types to be displayed and to be available for modification as per their region.
Contact Information
Communication Address	Address of the user, as maintained with the bank, will be displayed.
Email ID	Email ID of the user, as maintained with the bank, gets displayed in masked format.
Fax Number	Fax number of the user, as maintained with the bank, gets displayed in masked format.
Phone Number	Phone number of the user, as maintained with the bank, gets displayed in masked format.

Click against the field that you want to edit.
Click Next. The next configured screen appears
OR
Click to download the profile.

Daily Limits

Field Description

Field Name	Description
Channel	Select the channel for which user limits are to be displayed.
Transactions	Select the transaction for which user limits are to be displayed.
Transaction Name	The name of the transaction as selected in the above field is displayed.
Min Amount	The per transaction limit - minimum amount.
Max Amount	The per transaction limit - maximum amount.
Transaction Limit - Daily Limits	The daily amount limit and transaction count limit (available and utilized) of a transaction is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Transaction Limit - Monthly Limits	The monthly amount limit and transaction count limit (available and utilized) of a transaction is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Transaction Group Limit - Daily Limits	The daily amount limit and transaction count limit (available and utilized) of a transaction group is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Transaction Group Limit - Monthly Limits	The monthly amount limit and transaction count limit (available and utilized) of a transaction group is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Channel Group Limit - Daily Limits	The daily amount limit and transaction count limit (available and utilized) of a channel group is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Channel Group Limit - Monthly Limits	The monthly amount limit and transaction count limit (available and utilized) of a channel group is displayed. This is represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Channel & Transaction Group Limit - Daily Limits	The daily amount limit and transaction count limit (available and utilized) of a channel and transaction group is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.
Channel & Transaction Group Limit - Monthly Limits	The monthly amount limit and transaction count limit (available and utilized) of a channel and transaction group is displayed. This is also represented in a graph - with a (colored) utilized amount (numeric figure below it) and the available limit allocated by the Bank (numeric figure below it) and the total of utilized and available limits.

From the Channel list, select a channel to view applicable limits.
From the Transactions list, select the transaction to view its limits.
Click the Transaction Limits / Transaction Group Limit/ Channel Group Limit/ Channel & Transaction Group Limit tabs to view the specific daily and monthly amount and count limits applicable at each level.
Click Next. The next configured screen appears
OR
Click Edit to edit the limits.

User Security Question Setup

Click Setup Now to setup security questions.
The Set Security Questions screen appears.
OR
Click Skip to skip this step.

Set Security Questions

Field Description

Field Name	Description
Security Questions	Select a question to be assigned as a security question. The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator.
Answer	Specify an answer for the selected security question. The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on.

Field Name

Description

Security Questions

Select a question to be assigned as a security question.

The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator.

Answer

Specify an answer for the selected security question.

The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on.

From the Security Question list, select the security question to be added in your security question set.
In the Answer field, enter an answer for the corresponding security question.
Click Save to save the security questions.
The user is directed to the Dashboard screen.

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