To make this service readily accessible, RBI has asked the banks to simplify the process of mobile banking registration. It said that banks can reduce the time span between registration and activation of the process, in order to ensure hassle free operation for customers.
RBI further adds the mobile pin (MPIN) generation process can be made easier by providing the facility to change MPIN at their respective ATMs. This process can be facilitated by the means of MPIN mailers (like PIN mailers for cards). Alternatively, banks can also set up a website specifically for carrying out this function. RBI also encouraged the banks to conduct multilingual education and awareness programs for customers across India, through diverse communication mediums.
Mobile banking registration, activation and usage can be further enhanced through the banks' respective Interactive Voice Response (IVR) system and phone banking channels, mails, SMS, website, kiosks, social media.
RBI further suggested that whenever a customer performs any transaction at the ATM, an SMS alert can be instantly sent to his/her mobile number, as a reminder to activate mobile banking on his/her number.
Digitalization is the need of the hour, hence activating mobile banking services would prove to be mutually functional. The implementation of this rule as mentioned by the RBI, should notably optimize the banking operations in the country.