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A comprehensive banking solution for young people between the ages of 14 to 25.
Customer Onboarding procedure is carried out by the bank representative, involving the below steps:
On completion of the customer onboarding, the youth becomes a youth banking user and can start
managing the expenses using the application.
The Login screen also presents an option to reset the password, in case the user forgets the credentials. There will be 2 level authentication and authorization for Youth users and single level authentication for Guardian users.
Force change password screen will appear to user once user password has expired as per the password policy of the bank. Upon Login, Force Change Password screen will appear to user and user needs to change the password. After successful password change, user will be navigated to respective welcome screen.
Customer Login to the Youth Banking application happens via the Youth Banking credentials received by the youth and guardian during the online registration process. There are two types of user logins supported in the application:
The login type decides the dashboard that will be presented to the logged in user. The Guardian and Youth have separate dashboards that provide a comprehensive view of all activities on the account. The dashboards are role based and the functionalities displayed for the child and the guardian are different.
The youth login presents a set of banking and other fun features to the youth that helps him manage his own savings and expenses. The youth login procedure can be summarized as below:
On successful login, user will navigated to welcome screen. User can go inside the application menus by clicking on the hamburger icon on top left corner. User will also see the below icons on the top right corner of the app.
Additionally, a Hamburger icon is present for the following modules:
The Youth Dashboard presents a comprehensive view of all the activities on his profile. Youth
Dashboard comprises of features like:
Pocket Money Tab displays the details of the youngster’s Primary Savings Account that is termed as Pocket Money Account. It has provisions to display the Current Balance and Mini Statement for the pocket money account, along with the user image uploaded by the youth.
The Mini Statement will display the recent transactions performed in the pocket money account, with Spent and Received operations marked and indicated appropriately. Total of 10 latest transactions will be displayed on the Pocket Money tab.
The Recent Activities tab displays a list of activities performed by the youth in Finacle Youth
Banking Application. This can be banking operations or fun activities like earning reward points etc.
The Recent activities can be classified into two categories:
Recent Activities – Activities performed in Youth Banking application
Recent Activities-Activities performed in Gamification
My Dzire widget displays the details of Dzire created by the Youth for his desires in Youth Banking application. Finacle Youth Banking has provisions to create a Dzire for the youth and save for it by means of a fixed deposit or a Recurring deposit.
My Dzire widget displays the below set of activities:
Accounts menu provides options to view the list of all accounts created by the youngster in Youth Banking application. This is facilitated by the “My Savings” tab in the Accounts menu. It also provides options to create and maintain Dzires, perform transactions and check the transaction limits.
My Savings tab displays all the accounts created by the user, such as: Pocket Money Savings account, Dzire accounts (Fixed Deposit/Recurring Deposit), Goal Accounts (Savings Accounts), along with the current available balance. Each account entry in the table will provide additional information, on click, such as: Account Name, Available Balance, Account Number, Account Opening Date etc.
Manage Dzire tab allows the youngster to create and maintain his Dzires in Youth Banking application. This is accomplished via creation of Fixed/Recurring deposits in Core for the youngster. Manage Dzire helps the youngster to plan his savings towards a desire that he creates in Youth Banking application. With the My Dzire account, the youngster can:
‘Save for My Dzire’ feature enables the youngster to create a new Dzire in Youth Banking application. Provision for entering the Dzire Name and Dzire Amount will be provided to the user. Money may be collected from the Pocket Money account of the youngster in the below fashion:
‘Collect the entire amount now’ feature presents a Fixed Deposit account opening procedure to the youngster in order to fulfil his Dzire. Provision for entering the Deposit Amount and Time Period for the deposit will be provided to the user. On submission, a Service Request will be created at eBanking in order to track this activity. The account opening procedure is handled as below:
‘Collect a fixed amount every month’ feature presents a Recurring Deposit account opening procedure to the youngster in order to fulfil his Dzire. Provision for entering the Monthly Deposit Amount and Time Period for the deposit will be provided to the user. By default, the amount will be debited every month from the Pocket Money account. The account opening procedure is handled as below:
On click of the ‘Close My Dzire’ button on Manage Dzire page, youth will be navigated to select Dzire account (only FD accounts) for closure. Youth can select from the list of Dzire accounts and click continue to confirm the closure. Youth will be asked to key in OTP (one time password) sent on the registered mobile number. On confirmation, the Dzire account will be closed and money will be added to the pocket money account of the youth.
If an attempt is made to close Dzire during business hours, success message will be shown to user
and the money will be transferred to Youth’s pocket money account. If anattempt is made to close the Dzire during off business hours, User will be shown a message to try during the business hours on the next working day.
‘Do Transactions’ section allows the youngster to perform fund transactions and to track the transactions performed in his Finacle Youth Banking accounts.
Following provisions are provided to the youngster in order to accomplish this:
‘Send MoneyWithin Bank’ option empowers the youngster to transfer funds and manage payments for home bank. This is accomplished by adding new Recipients to his account. The Recipients can be his friends from the home bank-Youth Banking.
Following features will be supported by Youth Banking application:
‘Send Money Other Bank’ option empowers the youngster to transfer funds and manage payments for banks other than user’s home bank. This is accomplished by adding new Recipients from other banks to his account.
‘My Limits’ option enables the youngster to view the Transaction Limits set by the bank admin on his Pocket Money account. Limits are set for all financial transactions for the primary account.
Limits can be set for the below criteria:
‘My Transactions’ option empowers the youngster to view the account statement for the transactions performed on his account. Transaction statement can be generated for the Pocket Money account of the youngster. Statement can be generated based on the below criteria:
Transaction statement will be generated based on the provided criteria. Statement will contain the below information:
Youth can request money from the friends by sending mail to their respective Ids. Youth need to enter Friend’s Name, Email Id and Amount to be requested. A mail will be sent to his friend from the Youth Banking app requesting for the money asked by youth. Youth first name will be pre-populated into the Your Name field.
My Rewards/Fun Zone
My Rewards/Fun Zone presents an integrated gamification experience for the youngster that features fun activities through which the youngster can learn financial concepts and earn rewards. This platform supports fun activities like Quizzes, earning Levels, Badges and Reward points based on the activities performed by the youngster in Youth Banking application.
The youngster is presented with a comprehensive list of features like:
Fun Zone Group Creation
Groups for Users can be created in Fun Zone using the Gamification Groups feature. A user can be linked to one Fun Zone Group only.
Groups can be used for supporting the below Fun Zone features:
Fun Zone User Creation
User creation will be performed for the Youth in Gamification (My Rewards/Fun Zone), as part of customer onboarding. The user ID in Gamification needs to be the same as provided for the eBanking profile. The user can be linked to a Group in Fun Zone. Same user cannot be part of multiple groups.
Fun Zone Activities
Activities can be defined in Fun Zone in order to support Reward point calculation and Fun Zone badges. These activities can be both Financial/Non-Financial activities such as: Created a new Goal,
Created a Dzire account etc. These can be an action performed in Finacle Youth Banking or in Fun
Typical set of activities that can be configured in Fun Zone are as below:
Fun Zone Badges
Badges can be configured in Fun Zone. These are awarded to the users based on the rules set in
Gamification. Typical set of badges that can be configured in Fun Zone are as below:
Fun Zone Rules for Points
Rules for Points are configured for a particular Group in Fun Zone/Gamification. Points are awarded to a user, based on the activities performed by him.
Typical rule created for reward points can be as under:
‘IF Activity Name Equal< activity name> Then GivePoints 50’.
Fun Zone Rules for Badges
Rules for Badges are configured for a particular Group in Fun Zone/Gamification. Badges are awarded to a user, based on the Points accrued by him.
Typical rule created for badges can be as under:
‘IF Points Greater Than Equal 70 Then GiveBadge My initial steps in Finances’.
My Rewards/Fun Zone-Leaderboard
Leaderboard provides a comprehensive view of the Youth’s current standing based on the reward points accrued in Youth Banking application, in comparison with the fellow friends in the
gamification group. This instills a sense of competitive spirit in the youth to perform gamification or banking activities, hence earning more points and furthering the standing in the group.
My Rewards/Fun Zone-My Profile
My Profile presents the complete details of the Youth and the activities performed in an attractive user interface, with provision for showing the below:
My Rewards/Fun Zone-Content Set
Content set help the youth in furthering the banking knowledge by taking part in various quizzes, in order to help him better understand his financial aspects. This makes the Gamification platform more interactive. The bank can also suggest various pending activities and titles/rewards that can be won by the youth. Also the youth can attempt various quizzes in this section set up by the bank. The bank can assign levels based on completing each quizzes.
Youth Banking application provides an exciting platform for kids to set and manage long-term goals. The comprehensive Goals management module supports:
The youth can create his goals from the Goals tab. Set Goal option can be used to create a new goal in Youth Banking application. The youth can customize his goals by providing:
On entering all the required information, the goal can be saved. Subsequently, a goal will get created in Finacle eBanking. Once a goal is created, it will be displayed in the ‘My Goals’ listing section.
My Goals section will provide the list of goals created by the youth. Each goal is a hyperlink, which will provide additional options on:
Goals – Link the Account
Once a goal is created, the youth can start saving towards his goal using the ‘Link the Account’ option in goals. This enables the youth to create a saving bank account to be linked with the goal so that user can set aside a portion of the pocket money and start saving for the goal.
Finacle uses the Savings Bank Account creation feature to realize this functionality. The youth can save any amount at any time and progress to goal completion. On clicking ‘Link the Account’, following operations happen at the bank end:
Once a goal is linked to a savings bank account, the youth can track the goal progress with respect to
the current saved amount and the total goal amount. This is presented to the youth with the help of a graphical representation.
Goal-Save more for my goal
The youth can contribute to the goal anytime. This can be performed using the ‘Save more for My Goal’ option. A Fund your Goal screen will be presented to the youth. The youth may choose the amount to be transferred from the pocket money account to the goal account and set up a transaction. The goal account will be credited immediately. Authorization is achieved by sending One time password (OTP) to linked mobile.
Goal - Update Goal
After goal creation and linking of a saving account with the goal, the youth may decide to update the goal details i.e. Update Goal Name, Amount or Period. The user can update the goal using ‘Update Goal’ option if there is an account linked with the goal and Goal achieved amount is 0 (zero). Following activities will be conducted in order to complete the process:
Goal – Fund Pocket Money Account
After goal creation and account linking, user can fund the goal account from his primary account. In case required, user can fund the money back to Primary account from the goal account using the
‘Fund Pocket Money Account’ button. This option would be visible to user if the goal achieved amount is greater than 0 (zero). On clicking this button, user will be shown Fund transfer screen with From Account as Goal Account and To Account as Pocket Money account.
Goal – Delete Goal
On creation of a goal, the youth may decide to delete the goal. The goal can only be deleted if there is no account linked with the goal. This is realized using the ‘Delete your Goal’ option. Following activities will be conducted in order to complete the process:
Finacle Youth Banking provides integration to social networking platforms in order to create more user engagement in the banking platform.JoinMe presents various options to the youth such as:
Invite a friend
Invite a friend option is provided inside the application, so that the youth can invite their friends or acquaintances into Youth Banking application. This provides an opportunity to the youth to bring in friends into the youth banking network so that they can also manage their finances better using Youth Banking application . This also facilitates the bank to get prospective customers and hence expand its customer base and develop new relations.
Invite a friend is realized in the below fashion:
Broadcast to social networking sites
Finacle Youth Banking application is integrated with social networking sites, so that the youth can share the non-financial information with the friends and acquaintances via various sites like: Facebook. This feature is tightly integrated with the app. Following activities can be shared to the social networking sites:
Broadcast Option in JoinMe
JoinMe presents an option to broadcast about the Finacle Youth Banking application and its features on social networking site like Facebook. This will enable the youth to share about the cool features in the application with their friends.
Following default template message is configured for sharing:
“I am using a cool application called Finacle Youth Banking in order to manage my expenses. It has cool features like creating Goals, Dzires, play and earn Rewards, as well as share the details with my friends”.
Option for editing the default message is also provided to the youth. The Location and Audience to which the post should be shared to can be selected by the youth.
Share options on saving a new Dzire
Share options are provided to the youth on saving a new dzire in Youth Banking application. This will enable the youth to share about the Dzire creation with their friends. Following default template message is configured for sharing:
“I have saved for My Dzire: < dzire name>, using Finacle Youth Banking application”
Share options on saving a new Goal
Share options are provided to the youth on saving a new Goal in Youth Banking application. This will enable the youth to share about the Goal creation with their friends. Following default template message is configured for sharing:
“I have created a Goal: < goal name>, using Finacle Youth Banking application”
Provision to compose and send mails is provided in the application. Youth can send the query mails to the bank relationship manager using this feature.
Following mailbox features are available:
The user can provide appropriate subject and mailbox content and send it to the RM.
Mails from the relationship manager will appear in the user inbox. On clicking the individual mail, the mail contents will be displayed.
Youth Banking application Shopping cart assists the youth in buying products from online stores. It facilitates responsible expenditure by ensuring that the guardian is aware of the youth’s expenses. One Time Password (OTP) will be shared to the guardian for any payments done by the youth from the pocket money account. In order to make the shopping experience easy, Youth Banking application displays relevant shopping websites only .
While doing the payments for the shopping, Youth will see “PNB Yuva” payee in the list of banks. When youth will select PNB Yuva, youth will be taken to the Youth banking payment page. User should enter youth banking user id and password, if the credentials are correct, user will be shown the payment page followed by OTP validation page.
After the OTP validation is successful, youth will be shown the success page and take back to the shopping page from where the transaction was initiated.
Finacle Youth Banking application presents options to view and configure the user details like:
‘View Profile’ displays the customer information stored in the youth’s CIF ID in Finacle CRM. Following user information is presented to the youth:
Finacle Youth Banking provides an option to change the password credentials of the youth. The request will update the eBanking password for the youth’s login id. Following inputs need to be provided by the youth:
On submitting the request for password change, the user credentials will be updated in eBanking.
Finacle Youth Banking provides an excellent personalization/customization option to change the profile picture of the youth in the application. The user can use a new photo or an existing photo from the gallery. Once a photo is set for a particular login, the photo will start appearing in the login screen, adding a personal touch for the user.
Settings-Change/Update Photo: Take a new photo
User can make use of the Camera on the device to directly click a new picture and use it to update the profile picture in the application. The new picture will be updated as the profile picture, which will start appearing in the login screen.
Settings-Change/Update Photo: Pick image from Gallery
User can upload an image from the Gallery on the device as the profile picture in the application. The new picture will be updated as the profile picture, which will start appearing in the login screen.
The guardian login presents a set of features in order to track the financial activities performed by the youth in Youth Banking application.
The guardian login procedure can be summarised as below:
The Guardian’s dashboard provides an aggregated view of all accounts held by the youth, including the Pocket Money Account, Dzire Accounts and Goal Accounts. In addition to this, the dashboard enables guardian to view the expense analysis based on transaction history.
Guardian dashboard will present a tabbed layout, which is presented based on the youth names linked to the guardian. As a guardian CIF can be linked to multiple youth CIF IDs in eBanking, this option in Finacle Youth Banking enables the guardian to maintain and track the financial operations of multiple youths’ linked to the guardian.
On selecting a particular youth name in the dashboard, it presents the guardian view for the financial information for the selected youth. Following information will be available in the guardian dashboard for the selected youth:
Guardian Dashboard- Investment tab
Investment tab displays all the accounts created by the selected youth, such as: Pocket Money Savings account, Dzire accounts (Fixed Deposit/Recurring Deposit), Goal Accounts (Savings Accounts), along with the current available balance. Each account entry in the widget will provide
additional information, on click, such as: Account Name, Available Balance, Account Number, Account Opening Date etc.
‘Transaction’ option empowers the guardian to view the account statement for the transactions performed on the youth’s account. Transaction statement can be generated for the Pocket Money account of the youngster. Statement can be generated based on the below criteria:
Earn reward points on transactions made at POS and e-commerce outlets
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