Tag Archives: icici

Wake Up call for Indian Consumers

CERC has started consumer grievance helpline – 1800-233-0222. This helpline is toll free for BSNL Gujarat users.

This is really a welcome step by CERC in association with Consumer Affairs, Government of Gujarat. This helpline is available from 10.30 AM to 5.30 PM as per IST. (GMT +530)

CERC is very reputed non profit NGO serving and solving sonsumer complaints / grievance for its members. Its membership detail is here. You can become member by paying online instead.

To add few lines about the organisation’s prestigeous standing I can summarise few of my experiences:

  • When Vodafone Essar was Hutch, in undisclosed billed amount about Rs.500 for my postpaid mobile connection, I requested for justification and company ignored. I stopped using mobile services by paying genuine amount along with accounting statement which was genuine. Later, the company sent a legal notice that drove me to CERC. I have been member since then. CERC did some correspondance on my behalf. Company failed to respond and that proved the legal notice was no more legally valid or important!

  • HP refused to replace damaged front panel, damaged due to its design defect. Legally and as per company’s terms it is possible to replace such parts under cosmetic damaged parts category. Again, approaching CERC solved, front panel get replaced without any legal procedure.

  • In the matter of unsolicited call from ICICI Bank, I did some correspondence with bank and just by sending copy of the same to CERC taught the bank. The bank sent letter of forgiveness through courier!

Some points about CERC:

  • Complaint department listens and guides to complaint very genuinly. Consumer can feel free to express whatever his / her experience is / was.

  • Complaint department has very systemetic approach from receiving and registering complaints from its members to dealing with associated parties / business houses.

  • Genuine complaint can be registered through email to CERC as well. CERC’s method for dealing with non local complaint is really appreciative.

  • Insight, a bimonthly magazine from CERC is really worth to read. It is a leading publication in India for consumer awareness.

  • One membership serves complaint registered by his / her family members. (of course, not a joint family! :P)

  • Membership fees are normal or perhaps nominal for the kind of activities CERC does.

  • Most importantly, an Indian can be a member, get free Insight magazine and register for grievance too.

  • Different consumer product surveys carried & published by CERC are added advantage for consumers.

I highly recommend to become member of CERC, to boost its activities, to have Insight knowledge of consumer laws and if required to solve your complaints being a consumer.

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.
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