1. EASE - Enhanced Access and Service Excellence
Six Themes of Indian PSB Reforms
Indian PSBs
ReCap and
Reform Plan
Customer
Responsiveness
Responsible
Banking
Credit Take Off
PSBs as
Udyami Mitra
Deepening
Financial
Inclusion
Digitalization &
Developing
personnel for
PSB brand
Rs.80,000
crore
through
Recap
Bonds
(2017-
2018)
Rs.8,139
crore as
Budgetary
Support
Responsible
and
Responsive
PSBs
2. EASE - Enhanced Access and Service Excellence
Guidelines For Implementation
• Key Performance Indicators for Services for e.g.
10 days to resolve online payment customer
complain
Customer Responsiveness
• Banking Services within 5 km Radius of the
Village
Responsible Banking
• Control and Manage NPA
• Monitor, Handle and Close NPA Defaulters
Credit Take Off
• Promote Lending
• Make Lending Easier to MSME and Retail
Customers.
PSBs as Udyami Mitra
• Increase MSME and Retail Lending.
Deepening Financial
Inclusion
• Mobile Banking mobile app to transact, locate
branches etc.
• Operate Mobile ATM services in Rural areas
Digitalization &
Developing personnel for
PSB brand
Mobile Banking Services
Mobile ATM Services
3. Business opportunities
Technology Companies, FinTech Startups, Aggregators
• Lead Generation for lending and card products
• Process Personal Loan, Business loan from banks
FinTech Aggregators
• Biometric POS Machines for Field personnel
• Mobile ATM, Cash Management, Back office
Transaction services
Self Service Technology
Companies
• 3G/4G based SDN Router cum switches
• Wi-Fi based Internet Access with security on cloud
Network Providers
• Existing and New Micro Finance players can
collaborate with PSB to cross sale retail products
and financial products on existing spread.
Financial Inclusion Players
• Mobile app based banking services will be
prominent as per EASE framework and guidelines.
Mobile Application
Developers
• This time audit and survey will be carried out to
reconfirm the agenda, execution and effectiveness
as Survey, customer feedback.
Audit and Survey
Companies
