eCircular

Department: STRATEGY & DIGITAL BANKING

Sl.No.: 421/2021 - 22
Circular No.: R&DB/S&DB-YONO/1/2021 - 22
Date: Wed 28 Jul 2021

All Offices / Branches

State Bank of India

Madam / Dear Sir,

YONO SBI App Registration: SIM Binding

As an enhanced security feature and for regulatory compliance, the registration process
for YONO mobile application has been modified as under:

a. Existing Process (Device Binding): Device (Mobile Phone) binding is done along
with the INB user ID and MPIN by creating an encrypted value, which is validated
during login into the YONO application.

b. Revised Process (Device and SIM Binding): Along with the device, INB User ID
and MPIN, the SIM identification value will also be used while creating the
encrypted value, which will be validated during log in. Further, the registration will
be allowed only on the device where the SIM of the mobile number of CBS (RMN)
is present. Post login, YONO will match the mobile number in CBS for the user with
the mobile number by which the registration has been done and if there is a
mismatch it will guide the customer for re-registration.

2. A few important details on the new registration process are mentioned below:
a) All new registration will take place with device and SIM binding feature.
b) Existing users will be migrated to new version. They need to download and do
the registration by using new version of YONO app.
c) After giving reasonable time to update / migrate to new version, all old versions
will be discontinued.
d) If the mobile device does not have the ‘SIM of CBS RMN’ or ‘No SIM’, the
registration process will be aborted.

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 e) If one mobile number is linked with multiple CIFs in CBS, at any point of time
one of the customers will be able to register YONO on the device where the
RMN SIM is present.
f) There will be no separate process for de-registration for YONO app. If the app is
deleted and registration is done by any new user with SIM validation, the
existing user’s registration information will be deleted automatically.
3. Existing YONO Customers are to be guided as under:
S.No. Scenario Process to follow

1. If an user is using YONO in the mobile  Download the new version from Play
phone where the SIM of CBS RMN is Store / App Store (if warranted).
there.  Do the registration by using your INB
credentials.
 Start using YONO as before.

2. If the SIM of CBS RMN of the user is
not there in the phone.
Or,
The device is having the SIM of some
other customer of the Bank.
 As the new registration will work when
the device will have the SIM of the
RMN of the user, please guide the
customer to –
 Use another phone where the
SIM of CBS RMN is there.
 Insert the SIM of CBS RMN in
the phone and continue
 Do the registration by using your INB
credentials.
 Start using YONO as before.

4. As SIM Binding is a security feature, all existing YONO users will be notified
suitably to migrate and register again with the new version of YONO application. A rollout
plan, in phased manner is designed in consultation with IT team. After providing
reasonable time and notifications (in APP, SMS, e-mail, social media etc.), the old version
will be disabled for users, in phases, basis the Mobile O.S. they are using.
5. The detailed process flow and possible error scenarios along with resolution is
mentioned in Annexure.

6. Please bring the contents of this circular to the knowledge of all officials / staff
members working in branches / offices under your control for effective roll out of the new
security feature.

Yours faithfully,

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(Sandeep P Ubale)
Chief General Manager
(Digital Transformation & e-Commerce)

Annexure

Process flow and Possible error scenarios

Functionality
S.No. Function Process
1. During The new version of YONO app will work with the rule –
Registration
One CBS RMN (Registered Mobile Number) -> One YONO User &
One Mobile Device.
YONO will check and confirm the presence of the SIM of the CBS
RMN on the mobile device, from where the registration process is
originated.
If YONO does not find any CIF by the mobile number selected by
the User, it will provide the facility to open a new account from the
registration process flow.
If no SIM is present in the device, registration process will be
aborted. (Both Android and IOS).
2. During YONOAndroid Phones- YONO will check the presence of the SIM by
app Login -which the registration was done. In absence of SIM, login will not be
(Post allowed.
registration)
iOS Phones- This validation will not be done due to technical
challenges.

3. Post LoginYONO will get the mobile number from CBS and check that it
(Android &matches with the mobile number by which registration was done. If it
IOS) does not match, YONO will guide the customer for new registration.
Therefore, if customer changes his mobile number in CBS, he has
to register YONO again.

Registration Process flow:

a) Install/Update new version of App from Play/App Store and open.

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b) Allow all required permission (location, make/manage phone calls).
c) Select SIM of CBS Registered Mobile Number (RMN) and allow for SMS
permission and submit NEXT.
d) An encrypted SMS will be sent by YONO to get the Mobile number of the SIM. After
receiving by mobile number YONO will check availability of CIF by the mobile
number in CBS. The SIM should have outgoing SMS facility. In some devices, the
user may have to allow sending the SMS from the outbox.

e) If there are multiple CIFs attached with same mobile number, system will prompt
for the account number and DOB for finding out a unique customer by the mobile
number. For Joint accounts, if different mobile numbers are registered with both
customers, both of them will be able to register YONO by using the SIM of their
Mobile number.

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f) If the customer is already having online banking facility, App will automatically
prompt to proceed to Register on YONO with existing user credentials.

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g) If the customer is not having Online banking credentials, App will prompt to proceed
to create INB credential using “Account Details” and “ATM Card” based registration
process.

h) Existing users who may face challenges with new app:

 who were using YONO in a mobile where CBS (RMN) SIM was not present.

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  User having old OS version did not support the product owner e.g. Android 5
& below.
i) One SIM-Multiple CIFs - CBS allows linking of one mobile number with 4 CIFs and
all users were able to use YONO in different mobiles. But post SIM binding
implementation, YONO app can be used by only one user at a time. Second user
can use YONO after deleting/uninstalling existing app from mobile and registering
fresh with his/her own ID and Password.

j) Multiple SIMs in Handset - In case the mobile device is having multiple SIM, user
needs to select only one SIM for registration which is registered in the bank. Also,
at any point of time YONO will be available for only one user in one handset.

k) SIM Slot Changed- User will be able to log in.

l) For e-SlM enabled mobile devices, customer would be able to select e-SIM.

m) No SIM in Handset - If there is no SIM in the mobile device, customer will be

shown error messages (both during registration and login “in case of Android”)
<<There is no SIM card in your device. Please insert the SIM before proceeding
further>>

n) Duplicate SIM/SIM porting Done- User will be prompted for re-registration after
deletion/reinstallation of app.

o) Mobile number changed in CBS- User will be prompted for re-registration.

p) Delete/Uninstall App: User has to re-register the app selecting CBS(RMN) SIM.

q) Mobile Handset Changed: User has to re-register the app selecting CBS(RMN)
SIM.

r) If Non-CBS RMN SIM selected: User will land on NTB (New to Bank) landing
screen i.e., account opening page. If customer claims that he is already an account
holder of SBI, branch to update mobile number in CBS and get validated by
customer.
s) Device Deregistration: There will not be any separate de-registration process with
new SIM Binding registration process. If there is any mismatch in combination of
SIM number, Device ID, User ID/MPIN, app will prompt for deleting/uninstalling the
app for fresh registration.

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SCREEN-SHOTS OF VARIOUS SCENARIOS

I. The user is a SBI customer without having Online Banking Facility.

I. The user is already having active activation code (generated during registration
through Account details).

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Common Errors and Solutions:
I. “Technical error, please try later” or “Cannot process now, please try after
some time” error message after SIM selection: Please ask user to check
whether SIM is active for outgoing SMS facility with proper data connectivity.

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II. “The device /SIM / user combination used is not matching with the one which
has been used for registering the app. Please delete / un-install the YONO
application and reinstall it” error message after providing INB credentials:

Please ask user to uninstall / reinstall and retry.

If issue persists,
 For the case User ID is not mapped to any CIF- branch to rectify mapping
issues and INC request and update account details in INB Branch interface
and raise SCORE Request in INB category.

 For deactivated user/multiple users’ case- branch to raise SCORE request

for deletion of deactivated USER ID from YONO data base. (IDs can be
checked on INB Branch Interface). Required Data for SCORE request are

i. Old/Deactivated user ID
ii. CIF No.
iii. Customer Mobile No.
iv. Account No
v. Customer Name.

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