AXIS Bank website & services – reviews & suggestions

www.axisbank.com is official website of AXIS (formerly UTI Bank). The bank brands their Internet enabled services as iConnect. I eventually came through and accessed the website some time back.

Here is what I felt…

  • The website is simple, and belongs to the professional look. However according to the footnote, it’s friendly with IE only. Where did firefox & safari go?

    Home Page

    Home Page

  • The login window does not have virtual keyboard which is very important shield to fraud cases, when user keystrokes are being recorded. ICICI Bank and Bank of India provides this.

    Virtual Keyboard

    Virtual Keyboard

  • In any case, the script should be written so that browser cannot store username and / or password even if user forces. Again, ICICI Bank takes care of this. Disabling ctrl + C & ctrl + V is added advantage, that can be provided!

    Storing private data

    Storing private data

  • Once user successfully logs in, welcome page has menu bar on left. But, again, a usability suggestion When user selects anything from drop right menu (menu to be displayed after selecting main menu item) item, it should be closed. It gets hidden only when user mouse focus is lost! So few user might not feel, whether he / she has clicked to menu item or not.

    Drop Right Menu

    Drop Right Menu

  • Account bifurcation is simply good.

  • The eMail section is not so good. The email text is given less importance in user interface design. The eMail body text is shown in 8 or 9 lines only, user need the help of scrollbars. Better UI design is required.

    eMail Section

    eMail Section

  • Mobile banking service can only be enabled, there is no option to either disable or change number! The Input Area to mention mobile number is non editable! Also, the bank is charging for this services a sum of amount which is higher compared to its accuracy and conditions for SMS alerts etc.

    Mobile Banking - no second chance

    Mobile Banking - no second chance

  • Session management seems handled with respect to time & browser activities such as back and forward button clicks, which is good way to prevent misuse. However, if you click multiple menu items before the respective page being actually loaded, the last clicked item will load, and session will not be lost – this seems unusual!

These points are just to save the bank from future online fraud and legal procedures. Banks have always been soft target of attackers.

This bank belongs India’s one of the well reputed and old established and recently converted to private bank. Of course, banking services are poorer than an Indian nationalise (so called Government!!! :P) bank, charges are like normal private bank!

Few highlights of the banks’ unprofessional approach!

  • Irregular & sometimes irrelevant response.

  • Rare response to queries / request via authentic emails.

  • SMS server is less dependable in terms of timely delivery or acknowledgment to request SMSes. No error message for wrong SMS / inappropriate SMS sent to the bank!

  • Response from bank via email lacks proper formation of text. Just ctrl+C and ctrl+V.

By the time I am posting this, I received one simple screenshot of a duplicate website of ICIC Bank via alert email.

This is not ICICI Bank's official website - beware before you log in!

This is not ICICI Bank's official website - beware before you log in!

Security tips – mostly generic for all banks.

  • Never give your PIN, Card No., Internet banking username, passwords (login and transaction), etc. to anybody.
  • Changing login & transaction password regularly is good practise.
  • Never keep login and transaction password similar.
  • Keep an eye over URL of bank’s login page. It must be the bank’s original one. Someone may easily prank you by similar name. (as shown in ICICI Bank’s duplicate site – above)
  • No bank asks for whole 16 digit debit card number especially for any online purchase. It might ask very few randomly selected numbers for authentication, which is acceptable. ICICI Bank has introduced GRID Card which is really unique and addition to its security features.
  • In most cases, user ID will be required to log in, no account number or card number will help.
  • Avoid accessing net banking like services from public / shared computer.
  • Use virtual keyboard, on screen keyboard etc. utilities to enter username / password or any confidential information, especially if accessing website from someone else’s computer. In short avoide keystrokes, use mouse clicks!!
  • Last but not least, clear all URL, access history, form details from Browser Settings when you are done.
  • Close browser. All instances / tabs of the browser, if multiple are running.
  • And yet many more…. that you can contribute by comments. 🙂 Thanks in advance.
  1. Thanks for the information Harit, If I’m only a user without knowledge on internet banking maybe I have been attacked by hackers. Your views and comments is okay to let the people know how to prevent internet fraud and to let the bank knows their weaknesses.

  2. Amazing to find so much information about axis bank website and services..This is actually a nice topic..I like the valuable info you provide here..

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