Digital Banking: Here’s how digital banking helped me manage my money better

Digital Banking: Here’s how digital banking helped me manage my money better


We are living in a world that keeps changing with every passing second. There are decisions and choices to be made. Dynamic is the keyword. The ‘9 to 5’ work culture is practically non-existent. My name is Niharika, and my herculean task is to establish a work-life balance because of so many other responsibilities. In the current climate, financial security and independence is my top priority.

While I have always gravitated towards saving and investing my money, the traditional banking experience has posed certain inconveniences. For instance, I have a video call to attend, and then I have to go to the bank for some formality. That does take some time, and more minutes get added to my daily routine.

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Now with digitisation being the way forward, I have also tried my banks’ apps. But these lack the nimbleness of a digital-first world. The interface and experience of using the apps do not revolve around consumer needs. The lags, security concerns, multiple apps for varied functionalities, etc., just add to the discomfort of manoeuvring through these apps.
However, my finance management has become a lot better with the convenience and security of the Airtel Payments Bank. Due to this offering from Airtel, my banking is on a single app, and with features like Safe Pay, my confidence in digital banking has boosted. The app’s functionality is smooth, and I don’t have to worry about hung transactions, whether any amount of money has been debited twice, etc. It is convenient now. And I don’t have to shuttle between my work and trips to the bank.

All I did a video verification call through Airtel Thanks App to get an Account. After verifying my PAN and Aadhaar card, my account was ready, along with a digital debit card. Now stagnant money does no good to anyone’s investment game. And with the Airtel Payments Bank, I will get up to a 6% interest rate on saving deposits of over Rs. 1 lakh.
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The digital way of life is here to stay, and with that, security is a growing concern. But not with Airtel Payments Bank! We can link our Airtel number to our savings account and activate Airtel Safe Pay. Now no money won’t leave my account without my approval. It is safe because Airtel Network Intelligence sends real-time alerts to me. The 3rd-factor authentication is a life-saver.
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With the Airtel Payments Bank, I have also diversified my investment portfolio. Through ‘DigiGold’, I had the opportunity to invest in 24K gold using the app. I can also gift DigiGold to my loved ones. I can also sell this gold through the app in just a few clicks, and there is no minimum investment value requirement.
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While digital banking has upped the game, it is also nice to be rewarded for saving. And Airtel Payments Bank has brought in the Rewards123 program. Rather than searching for the next best deal, I get more out of my transactions and payments.
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The Airtel Thanks app puts my bank at my fingertips. My virtual debit card helps me pay off my bills, EMI, and even insurance premiums. This offering from Airtel has eased my security concerns and empowered me to move my money with confidence and ease.

(Niharika’s story is a fictionalised account is based on the multiple testimonials of people who have used Airtel Payments Bank)



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