RETAIL SERVICING

The dashboard is the first landing page that the customer views after logging in. It displays the summary of all the user’s accounts in a single screen. It also enables the user to access various functions quickly without having to use the toggle menu to navigate to the required screen.

RETAIL DASHBOARD

The Retail Dashboard is displayed in the form of widgets. It follows the creative concept of cards which results in an organized dashboard that engages the user and displays information that is easy to decipher.

Click on individual components to see the detailed snapshot.

Retail Dashboard

Dashboard Overview

Icons

The following icons are present on the maker's dashboard:

: This option is provided on all screens and enables the user to return to the dashboard.
: Click this icon to navigate to the Mailbox screen.
: Click this icon to search for a specific transaction.
: Displays the user’s name along with the last login date and time. Clicking on this icon displays a drop-down with the options to change entities, view the user’s profile or to log out from the application.
: Click the toggle menu to access the transactions.
: Click this icon to close the toggle menu. This icon appears if the toggle menu is open.

FATCA & CRS link

Click the link to access the FATCA and CRS Self – Certification Form so as to provide information required by the bank to comply with the FATCA and CRS regulations. This link will be displayed on the dashboard only if you are required to submit the FATCA & CRS Self-Certification form.

Toggle Menu Transactions

Toggle Menu

The following items are present on the Toggle Menu:

: This menu consists of sub menu items like Current and Savings account, Term Deposits and Loans and Finances to navigate to the respective account related transactions.
: Click this menu to access the credit card related transactions.
:Click here to access Payments related transactions or setting up of payments.
: Click here to access the Electronic Bill Payments and Presentment related transactions.
: Click here to access the UPI Payments transaction
: Click this menu to plan finances and track expenditure. It consists of sub menu items like Goal, Spends and Budget.
: Click this menu to access the wealth management related transactions.
: Click this menu to apply for a new account.
: Click this menu to view your interest certificates and balance certificates of Current and Savings, Fixed Deposit and Loan account and TDS deducted from all your accounts and deposits for the financial year.
: Click this menu to raise a new service request and track the status of a service request.
: Click this menu to set your preferences and daily limits, change password and personalize your dashboard.
: Click this menu to view the Mails, Alerts and Notifications.
: Click this menu to leave your feedback about the user interaction of the application.
Click to view the address and location of the ATMs and the branches of the Bank. For more information click here.
: Click this menu to launch the online help.
: Click this menu to view the information about the application like version number, copyright etc.

My Net Worth

This widget displays the total net balance available across all the accounts of the user. It also displays the total cash that is available in all the accounts and the total debt. The graphical representation of availability of net balance with in a period of 90 days in the user’s accounts is also displayed.

Recent Activity

This widget displays the recent activity in the user’s Savings, Term Deposit and Loans accounts. It displays the date of transaction, a description of the transaction and the debit / credit amount. The user can select an account number of a particular account type, to view the recent account activity of that account.

Click the View More link to view the statements of the selected account type.

My Spends

This section displays the spending analysis of the customer. The user can view the total expenditure incurred during the past 30 days. Click the View All link to open the My Spends transaction screen.

My Accounts

The My Accounts widget lists down all the account types of the accounts that the user holds with the bank. The user can select an account type in order to view details of each account belonging to that specific account type.

The account types the can be listed in this widget are as follows:

Current & Savings
Term Deposits
Recurring Deposits
Loans and Finances
Credit Card

The total balance of all the accounts belonging to a specific account type is displayed against each account type. The user can select any account type record in order to view the accounts (active as well as inactive/ closed accounts) belonging to that specific account type category. Subsequently, the user can also select an individual account to view details of the account or to perform transactions using that account.

My Bills

The My Bills widget enables the retail user to access the Electronic Bill Payments and Presentment related transactions. Different bills are placed on the widgets, which enables the users to pay utility bills towards various types of billers such as 'payment', 'payment and presentment or recharge:

This widget provides immediate access to the following transactions:

Quick Recharge: By clicking this option, the user can access the Quick Recharge transaction, from which, the user can initiate bill payments to the 'Recharge' type billers that are not registered. For more information, click here.
Quick Bill Pay: This option enables the user to access the Quick Bill Pay transaction. The user can pay the bills online without registering the billers. For more information, click here.
View All Billers: This feature enables users to view all the registered billers. For more information on managing the billers, click here.

Upcoming Payments

This widget lists down the future dated payment instructions set up by the customer.

Each payment instruction record displays the following information:

The date on which the payment is due
The nickname of the payee
The amount due

Click View All to view all upcoming payments.

Click Setup Repeat Transfers to set standing instructions.

Fund Transfer History

This widget displays the history of funds transfer done by the customer.

Following information is displayed:

Date of Transfer
Payee Name and Payee Account Number(The account number value can be any of the following depending on the type of transfer Account Number/ Email ID/ Mobile Number/ Twitter ID/ Facebook ID/ VPA)
Amount (along with Currency)
Status (status in the host system - Can be Success or Failed)

Click More Options to view the details or re-initiate the fund transfer.

Click View All to view all fund transfers.

Payments

The Payments widget enables the retail user to access certain transactions available under the payments module. Different transactions are displayed on the widget in the form of icons, which gives the user easy access to these transactions.

Icons for the following transactions are displayed in this widget:

Transfer Money: This transaction enables the user to initiate a transfer to a registered payee.
Pay Bills: This transaction enables the user to make utility bill payments.
Favorites: This option enables the user to access his favorite transactions. This feature enables the user to quickly initiate payments towards a payee or a biller without having to enter details of the transfer or payment as the details are pre-populated based on prior setup. Favorite transactions can be of two types: Bill Payments and Money Transfer.
Manage Payees & Billers: By selecting this option, the user can navigate to the screen on which he can manage payees and registered billers.
Request Money: This feature enables the user to initiate a request to pull money from a debtor.
View Repeat Transfers: This transaction enables the user to view and setup repeat transfers. All customer payments, that are periodic in nature, can be set-up and managed here.

Service Requests

The service requests widget displays the number of open service requests initiated by the customer as well as the service requests that are recently closed. The customer can raise a new request and track the status of open service requests.

Notifications

The notification widget enables the user to view the notifications sent by the bank. Click View All to view all the notifications sent by the bank.

My Advisors

This widget displays the names and contact details of the user’s relationship managers.

Offers

Any offers and rewards as hosted by the bank will be shown in this section of the dashboard.

Promotions

This section of the dashboard displays promotional messages of any bank offerings applicable to the customer.

Link Account (Account Aggregation Link)

Click the Link Account button to link the external bank accounts to OBDX to access savings, term deposits and loan accounts information anytime, anywhere using single digital platform.

Conventional/Islamic Accounts

This option enables the retail users to view & select both Conventional & Islamic accounts under separate headers of “Conventional” & “Islamic” while processing any transaction in the entire application. These headers will appear for all transactions where there is an account dropdown or account selection of Current and Savings, Term Deposits and Loans is required.

Note: Users having both (Conventional & Islamic accounts) will be able to view their accounts in respective headers however, in case if he is only having either of account then there will be no separate header bifurcation for the same.

Conventional_Islamic