Case Study

Our concerted efforts at providing convenient banking solutions to rural customers led us to launch Mera iMobile, a comprehensive, first-of-its-kind, multilingual mobile application in 2017. The application was conceptualised and designed to meet the banking requirements of rural and semi-urban customers. Even non-customers of ICICI Bank can use this innovative app. We have been continuously enhancing the app over the past three years by adding new features, services and languages, on the basis of customer preferences and feedback.

Mera iMobile’s proposition for our customers can be summarised as:

‘Your bank with you always, in your mobile, in your language’.

The app is used by more than five lakh individuals - customers and even non-customers of ICICI Bank. Nearly 1.68 crore financial and non-financial transactions have been processed on Mera iMobile in fiscal 2020.

The unique features of Mera iMobile are:

  • The app can be used with or without internet
  • It is an independent app; a customer can have it installed on his handset along with the Bank’s mobile banking app, iMobile
  • It is available in 12 languages including English and 11 Indian languages - Assamese, Bengali, Gujarati, Hindi, Kannada, Malayalam, Marathi, Odia, Punjabi, Tamil and Telugu
  • It offers more than 135 services across categories, including over 100 regular financial and non-financial banking services like fund transfer, recharges, bill payment and general insurance
  • The app offers SMS-based services such as balance enquiry, last three transactions, send money, credit card payment related services and mobile recharges
  • Various farmer and agri loan services like Kisan Credit Card, Gold Loans, Tractor Loans, and Self Help Group Loans are offered through this app
  • Special calculators for Gold Loan and Kisan Credit Card are available on this app
  • The app also offers rural advisory services such as current prices at the nearby mandi and real-time weather information