How Chatbot is help the customer in YONO?

It is A.I powered Digital Virtual Assistant.

Chatbot to understand human text and respond.

Information YONO platform's features and services.

What is OMP Online Marketplace in YONO?

It is a platform where one can access the world of online.

The user can avail exclusive discounts facility from SBI.

YONO app/portal and access the Shop & Book and Order.

How, Goal Based My Dreams is going to help the user in YONO?

For creating a basket of savings by the customer for a goal.

Customer will be allowed to set more than one Goal also.

For creating a new fixed deposits to a dream is flexibile.

How the customer is able to do Smart Bill Payments in YONO?

Simple process of paying bill without directly adding biller

Smart display of upcoming bills, single entry to pay bills.

The paid bill auto retrieved for further periodical payment.

How the customer access YONO?

Mobile app is available on Android

If the customer is an existing customer? Can he able to access YONO and How?

The Existing Customer eligible to avail YONO.

He can use INB credentials on the mobile application.

He can either using ATM card details or by visiting branch.

If the customer is a new connection to the bank, how he can able to access YONO?

Can start journey by initiating digital account opening.

No, new customer can not avail YONO digital application.

Only who availed INB facility are able to access YONO.

What basic infrastructure is required for a customer to download YONO?

OS requirement for Android devices version 5.0 and above.

OS requirement for Apple devices iOS 8.0 and above.

Internet : Cellular (3G/4G) or Wireless (1Mbps and above).

Y is HNI, wants to open account of his son. He is not available to sign. How to open Account?

No, there no option to open account without his presence

We can open first and take signature later as a proactive.

Acct. with welcome kit can be opened to avoid business loss.

Insta Acct. help to open by e-KYC authentication through OTP

What benefit the customer will get from Insta Digital Saving Bank Account?

No Branch visit for customers. Paperless account opening.

A basic Rupay card will be issued to the customer.

Will be able to transfer funds using NEFT, IMPS, & UPI etc.

How the user is able to login to YONO?

User can login to six digit MPIN.

Once registered, user have to login by using INB credentials

If the User is having multiple CIF's, can he/she able to access in single view?

No, as per c-KYC guidelines and one customer one CIF policy.

Yes, there are multiple CIFs linked with one username.

If CIFs of family members of Y are linked with his INB use, are they able to view in YONO ?

No, they will not able to view in Lotus application.

Yes, they will be visible in Lotus application.

What is the cap of transaction limit under Insta Digital Saving Bank Account?

The limit capped at Rs.49999/- per transaction.

The limit capped at Rs.50000/- per transaction.

The limit capped at Rs.100000/- per transaction.

The limit capped at Rs.200000/- per transaction.

For Insta Acct., is it require to complete full KYC by visiting branch in stipulated period?

If not complied in 12m, Acct. will be closed & BC issued.

If not complied in 6m, Acct. will be closed & BC issued.

Full KYC needs not be completed within 12 months.

Full KYC needs not be completed within 6 months.

Is Customer of Insta Digital Saving Bank Account will be able to open FDs, RDs etc.?

Insta Account holder cannot be able to open FDs, RDs etc.

Insta Account holder can open FDs, RDs etc., up to 50000/-

Insta Account holder can open FDs, RDs etc., up to 49999/-

Insta Account holder can open FDs, RDs etc., up to 100000/-

Is Customer of Insta Digital Saving Bank Account able to avail loans?

No loan will be given to customer until he/she completes 12M

Loan will be given until she/he completes the Full KYC.

No loan will be given until she/he completes the Full KYC.

Loan will be given to customer until he/she completes 12M

The minimum balance requirement on Insta Digital Saving Bank Account is:

There is no minimum balance requirement on this account.

Maximum Limit for Cash transaction will be allowed in the branch for Insta Account?

No Cash withdrawal transaction will be allowed in the branch

The limit capped at Rs.50000/- per transaction.

The limit capped at Rs.100000/- per transaction.

The limit capped at Rs.200000/- per transaction.

Is Cheque book facility is available in Insta Digital Saving Bank Account?

Cheque book will not be issued to the customer.

Cheque book will be issued to customer up to 10 leaves only.

Cheque book will be issued to the customer 100 leaves only.

Cheque book will be issued without any restriction.

How many types of account under Yono application is available to open by the customer?

Only two types Insta and Digital Saving Bank Account.

Only one type is Insta Digital Saving Bank Account.

Only one type is Digital Savings Bank Account

Which of the following is not purpose of DMS in YONO?

Monitoring and Control of loan documents

Storage of digital Account Opening Forms(AOF)

Storing the scanned copy of documents

All documents stored in DMS can be retrieved with the help of an identifier like ?

Any other parameter marked at the time of uploading

In Digital A/c Opening ending process, customer will get reference no. in how many characters?

6 character alpha numeric reference number.

7 character alpha numeric reference number.

8 character alpha numeric reference number.

9 character alpha numeric reference number.

Which one of the following is not true about the Digital Account Opening Process?

Paper based AOF to be filled in by the customer

AOF fields reduced from 58 to 37

Single signature is required on the newly designed T&C form.

AOF field 14 by input, 16 by Aad-QR scan, 7 auto-fill by CBS

How can a customer open recurring deposit (RD) account through SBI YONO?

Through 'My Dream' under the 'Relationship Overview'

Through 'Settings' under the 'Relationship Overview'

Through 'Profile' under the 'Relationship Overview'

Is a customer able to see spend analysis for each of his/her accounts?

Only transactional accounts mapped in Yono

Can YONO customer get his account statements older than 3 years?

No. statement for above 3 y. are through request at home br.

Yes, above 3 y, from date of request archived & be retrieved

Under e-DAC workflow who are the users in DAC?

Senior Assistant in the Archival Unit (AU)

If a customer is having different A/c & wants to keep different QR & VPA, is it possible?

A unique VPA is to be mapped to the QR code of the account

YONO

Authored by Harshad Sartape

Instructional Technology

Professional Development

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50 questions

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MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is YONO how it is helpful to customer?

You Only Need One

It is Omni channel platform

It is a mobile apps providing banking facilities

All

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

Who are the eligible customers under YONO?

Resident Individual, aged 18 years and above.

Should be literate

Only customer who are availed RINB are eligible.

Both a&b

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

How many Digital Savings Account will be permitted for a mobile number?

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

Who are the Target Customer under YONO?

Individuals possessing smartphone/ iOS devices/tablet/PC.

Individuals not having a bank account prefer to do cashless.

Aged 18 years and above, who are tech-savvy.

All

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is the significant of Funds Transfer in YONO?

Process is designed as a simple 3 clicks journey

Integration of UPI and QR Code are incorporated.

Smart search to beneficiary, IFSC available.

All

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

Which of the following is not a significance of Relationship view in YONO?

The one view of customer all existing relationships with SBI

Information related to all accounts available in one place.

All multiple CIF linked accounts are viewed at one place.

The one view of all existing relationships with SBI Group.

MULTIPLE CHOICE QUESTION

30 sec • 1 pt

What is Spend Analyzer in YONO?

Analysis and graphical representation of spending pattern.

Analysis and graphical representation of in Credit Card.

To understand, better financial planning and budgeting.

A and C

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