2 FAQ
- Can I proceed with the application if I am an existing customer of
the bank but do not have online banking access?
You will need to first onboard yourself on the digital banking platform. You can do so by selecting the ‘Register for online banking access’ link on the kick off page or by selecting the ‘Register Now’ option provided on the login page. Once you have completed the registration process, you can login and proceed with application initiation.
- Can I add a joint applicant while applying for any of
the products?
Currently only checking and savings accounts can be applied for jointly when applying online. All other product applications only support single account applications.
- I am applying for the product as a guest user. The address that is
mentioned in the document that I have uploaded in support of
the application is different from my current permanent
address. Can I update that information in the application
form?
Yes, all the information that is fetched from your document is displayed in editable format in the Personal Information section. You can update the required details and submit your application. However, please note that once your mobile number, as provided in the Mobile Verification page, is verified, you will not be able to modify it in the Personal Information section.
- How many products can I apply for as part of a bundled application?
Out of the box, you can add a maximum of three products in a bundle. This number is configurable by the Bank and may change.
- In case my application is saved as a draft, can I request a bank
executive to complete this application on my
behalf?
Only you can resume and complete a draft application.
- Can I cancel one of the product applications that has been submitted
as part of a bundled application?
No. Currently, it is not possible to cancel a specific product application that is part of a bundled application. You can however, can the entire bundled application, if you wish to do so.
- If I am applying for a product as an existing user, can I update my
personal information while initiating an
application?
No, you cannot update any personal details while applying as an existing online banking customer. You may contact the bank to update your personal information before applying for a new product.
- For how long I can access and resume my applications that are saved
as drafts?
This is based on the Bank’s purging policy. The draft applications will be available for x days in the application tracker before they are purged by the bank.
- Can I apply for a product that I have already applied for and that
the bank is currently processing?
Yes, you can still submit an application for the same product. The decision to process or reject either of the two (or more) applications will rest on the bank.
- I have started my application on my laptop. However, I have realized
that some of the documents that I need to upload are
available on my tablet. Do I need to abandon the application
that I started on my laptop to restart the entire process on
my tablet?
No, you can scan the QR code available on every step of the application form, post the Mobile Verification step, and resume the application from your tablet or mobile device.
- Can bank administrators define the sequence in the steps of the
application forms?
Yes, bank administrators can configure the sequence of steps in the application forms of all product categories supported for online application, through the Origination Workflow Maintenance feature available on the OBDX platform.
- How does National ID verification work?
The bank can integrate with government or other third party systems (which store and mantain data of National ID holders), through available hook points. Online authentication will be performed to verify the identity claim of the ID holder and to fetch the required personal information.
- How does OCR work?
The bank can integrate with the third party adapters that provide OCR services, through available hook points. The system will be able to prefill certain fields in the Personal Information section from data fetched from the applicant’s uploaded documents.
Similarly, an out of box integration is available with the internal ‘Document verification framework’.
Extensibility hooks can be used to support OCR for most identity and financial documents.