.........At India’s second-largest private lender HDFC Bank, for instance, a customer applying for a loan only has to submit account credentials through a smartphone using the bank’s customer-support platform. The system, which incorporates all information
pertaining to the customer, will analyse the credit background
instantly and accept the application through the touch-based screen on
the mobile phone. Using predictive analytics tools, the system also
offers new services to existing customers based on their previous credit
history. “Potentially, a man with a smartphone will have the same capabilities as an entire bank branch.........
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