Instabiz: Mobile Banking App For Self Employed Segment Customers

InstaBIZ: Mobile Banking App for
Self Employed Segment Customers
August 17, 2019

2
InstaBIZ Features
Category Existing (iBizz) New (InstaBIZ)
Transactions • Fund transfer • Cash pick up & delivery
• Bill payment and recharges • Multi modal single & bulk invoice collections
Covering all needs: • UPI Pay • Tax payments – GST, TDS, Income Tax
transaction, cross • Approvals – single payments • Cross border – Inward remittance, EEFC conversion
border, credit, • Approvals – Bulk payments, trade, tax
investment,
• Online insurance – transit
insurance &
compliance • Online MF
On-boarding NA • Digital CA opening

• Bulk payments – IMultipay, PAB
Digital & instant on- • Collections – Eazypay app & web, E-collection
boarding journeys • Order a POS
• Bulk tax
• Trade online
• Insta OD
• Apply for HL, AL, PL, LI (leads)
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InstaBIZ Features
Servicing • Login related services • Advanced account information – variant, limit details,
• Basic account information mapped RM details, sharing of account details, payment
Self servicing options • Account related services alerts to beneficiaries, etc
across products and • Track service requests • Urgent & important tasks – payments due, outstanding
services cheques, pending remittances, limit expiry
• Trade one view dashboard
• Most frequent CA service requests (debit card
block/unblock, pin generation, DD creation, multiple
cheque book request, OTP & grid activation)
• Trade service queries
• CMS service request for all solutions
• Basic BLG servicing options – limit expiry, interest rate,
interest rate calculation, etc.
4
InstaBIZ Features
Business NA • Raise bill with payment & auto reconciliation
management • Raise invoice with collect & auto reconciliation
• Daily business dashboard – cash flow, creditors, debtors,
Tools to manage & etc
grow business to • Communicate/broadcast service to vendors & customers
make business & • Online & instant promotional campaign to ICICI Bank
banking go hand in
customer base
hand
• GST management & return preparation
• Business networking platform & marketing offers
Engagement NA • Role and usage based UI

• Intuitive & contextual recommendations (cross sell)
For personalised • Customised notifications
experience & delight • Product catalogue & finder
• Expert speak – video faqs
• Finger print login
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InstaBIZ Features
Support • Call us • In-app tool tips, product information, videos and ‘how to
• Email us do’ documents
Online, real time • Phone banking support with instant document sharing
support to help • Live screen sharing support
customer ‘do it • Auto journey resume for drop cases
yourself (DIY)’
InstaBIZ for instant business needs

115 services available on both web and mobile
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ICICI Current Non ICICI Employee
Account Current Account Support &
Customer Customer Expectation
7
Guest Registration
● On the 1st flash screen select register as a guest

● After reading terms & conditions, fill in the details
● Fill in details and setup MPIN
Guest Registration
 OTP Verification
 Successful registration
 Login using mobile number and MPIN
 Change MPIN option is available on the log in screen only
 When a guest user creates a current account he can be redirected to
customer login 9
Guest Dashboard
 Collection services – upto 50K via UPI
 Business networking – manage and grow your
business with most powerful small business
solutions, connect with other businessmen
(BizCircle). Flow will be similar to flow for CA
users
 Open current account – Option given to the
customer to fill form online and block the
preferred account no. Flow will be similar to flow
for CA users
 Get instant OD – Apply for unsecured overdraft
based on current account transactions. Check
eligibility and upon sanction open current account
online
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Login – CIB Credentials
 Incase user clicks on Cancel,
 User will enter CIB credentials (corporate
ID.user ID and password,
e.g. if corporate ID is ‘icici112014’ and user ID is
‘test’, then the credential to be entered is:
icici112014.test and click on Login
 Click on Forgot Password, incase user forgets

password
 For any other query follow the SR path

 Corporate > CIB related > login and ID
password related issue
 Customer will get call back in 1 working day
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Login – MPIN Set Up
 First Login Screen: Prompts to Set Up MPIN

 Click on Proceed to Register for MPIN
 Enter BBIC/ Debit Card Number (step 1)
 Enter Grid Values (step 2)
 Enter OTAC (One Time Activation Code) received on registered mobile number (step 3)
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Login – MPIN Set Up
 Set Up MPIN (step 4)

 Login using MPIN
 Click on Forgot MPIN; incase user forgets MPIN – he needs to re-
register for MPIN (follow all the 4 steps)
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Customer Dashboard- Account Information
• Single view of all Account details - Name

& Balance,
• Statement
• Last 10 transaction
• Detailed transaction
• Know More – advanced account details

• Account variant
• Limit details
• Mapped RM details
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Dashboard – Transaction and Activation
 Customized UI basis user access role

and usage.
 Static icons for
 Fund transfer
 Accounts & deposits
 More screen
 More screen- showcases all products
under various categories
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Dashboard - Urgent & Important
This section gives visibility for the crucial and

important tasks
• Cheques in clearing – This shows status of

Cheques deposited and issued till T-3 days
for selected account number
• Inward remittance – this will display Foreign

Inward remittances received in your
account and pending for settlement
• Limit expiry date –

This feature will prompt the Sanction amount
and limit expiry date
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Dashboard – Manage your business
 Manage Your Business provides you with the

unique abilities to:
 Perform accounting and banking functions with
auto-reconciliation
 Create GST compliant invoices with payment
link and share them on e-mail.
 Option to send reminder to customer for
payments against the invoices raised by you.
 Generate purchase order and convert it into
bills.
 GST compliant bills and invoice can be exported
to GST filing application.
 Single “Business Dashboard” for entire business
i.e. cash position, account payable and
receivables.
 Create promotional campaign and host it on
ICICI Bank website offers page.
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Dashboard – Value Added features
 Open a Current Account
Option to select account number and open a new
account with minimal physical documentation
 Business Networking
Manage and grow your business with the most
powerful small business solution, by connecting with
other businessmen
 Invest and Insure
Apply for and know more about various corporate Life
Insurance policies online to protect yourself
 Knowledge Series
Hear from industry experts and leaders about the best
practices of business and business environment in
general
 Our Products
This option will take you to our Catalogue pages
explaining our different products and offerings
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More screen
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Account statement
 Customer can view
last 10 transactions
 For detailed
statement user can
select a period of
 Last month
 Last 3 months
 Last 6 months
 Last year
Or he can manually
select a period. It will
show him maximum
100 transactions
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Know more section
 Know more –
 Account balance
 Ledger balance
 Sanction limit
 Drawing power
 Renewal due date/ limit
expiry date
 Rate of interest
 Interest reset date
 Monthly avg balance
 Current account variant
 View last 5 transactions
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 Account balance – Actual account balance
 Ledger balance – shadow balance (including Cheque in clearance and
any amount in lien)
 Sanction limit – amount sanctioned by bank (applicable only for OD/CC
customer)
 Drawing power – maximum amount that customer can draw based on
last updated stock/debtor statement (applicable only for CC customer)
 Renewal due date/ limit expiry date – the date on which your existing
limit expires for renewal please contact branch / RM
 Rate of interest
 Interest reset date – the date on which rate of interest of your
overdraft/ cash credit facilities will be changed in the system. Linked
to latest MCLR
 Monthly average balance – this is calculated from 1st day of current
month till previous day end
 Current account variant
 View last 5 interest transactions – applicable only for OD/CC customer
22
Account & Deposits
• The deposit page will show all the deposit in user’s account. Open FD
option in provided at the end. By clicking on that user can open fixed
deposit.
• Go to the respective transactional pages as desired as per the access
directly from accounts page by clicking on the 3 dots ( )
• If user does not have a linked account, it will show similar error
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Fund Transfer
 Fund transfer allows you to transfer through own accounts, Within ICICI
(Own to External accounts) & Outside ICICI (NEFT, RTGS, IMPS) to registered
payees
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Fund Transfer
 Customer goes through a two-level authentication process through OTP and Grid Card
details
 On successful submission, customer is shown the reference number and given option
to download receipt. Customer can also send receipt to 25
beneficiary
Fund Transfer – Add Payee
 Customer is given an option to Add payee under

the Fund Transfer Tab
 ICICI and non ICICI bank account numbers can
be added as payees
 For ICICI Bank, account number, short name
and account name is required
 For other banks, account number, IFSC details,
beneficiary name, nick name are required.
Beneficiary bank name and branch details are
auto fetched based on IFSC code.
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Fund Transfer – Add Payee
 Customer is enter the OTP for validation of Payee

 On successful submission, payee activation after a cooling period of 30 minutes
27
Fund Transfer – View Payee
 Customer is given an option to

View payee under the Fund
Transfer Tab
 User can view the list of ICICI
and non ICICI bank payees
 Details like Account name and
account no. are visible for ICICI
Bank payees and for non ICICI
Bank payees, beneficiary
nickname and account no. are
visible.
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Fund Transfer – Delete Payee
 Customer is given an option to Delete

Payee under the Fund Transfer Tab
 Delete payee option is available for both
ICICI and non ICICI payee
 Customer can select the payee, click on
delete payee and the payee will be
deleted after OTP verification
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UPI – Create VPA
 Click on “Create VPA” to Create new Virtual Payment Address under manage on UPI page
 Select the “Account No”, ”Create New VPA” radio button, enter the VPA of your choice and
check for availability of VPA.
 Select the checkbox for Default A/C to Send and Receive payments
 VPA linked to the users account is created
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UPI – Delete VPA
 Select ‘Registered VPAs’ to view already registered VPAs under the selected account number
 Select the VPAs to delete
 Confirm the delete process
 VPA will be successfully deleted
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UPI – Pay to VPA
 Click on “Pay to VPA” for initiating a payment towards other VPA

 Fill in the details of To VPA & From VPA with the amount to be paid and remarks
 Review Page is shown to the customer
32
UPI – Pay to VPA
 Customer needs enter OTP for

authentication
 On successful submission, the
transaction is initiated
 Customer is shown the reference
number and given option to
download receipt
33
UPI – Transaction History
 Click on “History” for “Pending UPI Transactions” which are “Pending with /
Raised on the Payer” and are “Pending with Me”
 Under “Pending UPI Transactions” > “Pending with Me” user can either Accept
or Reject the collect transaction raised on him
34
UPI – Transaction History
 Customer needs enter OTP for

authentication
transaction is initiated
 Customer is shown the reference
number and given option to
download receipt
35
Recharge
 Customer is given an option of recharge
for Prepaid mobile , Data card and DTH.
The option is available to only sole users
 All the recent payments will come for
user ease.
 Customer fills all the details on recharge
page
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Recharge
 Customer is shown the confirmation
page post clicking on proceed and asked
to enter the OTP
transaction is completed
37
Quick Bill Payment
 Bill payments provides instant bill

payment options for Credit card,
postpaid, electricity, Gas, DTH,
Landline/broadband, ICICI Pru Life
Insurance, Google Pay, Water and Tax
 Customer needs to enter the details
and input the OTP
transaction will be complete
38
I-Multipay activation
• Customer can use I-Multipay for bulk disbursement of funds as instructed to their
specified beneficiaries by both physical mode and electronic mode.
• Single file upload to effect multiple modes of payments
• Scheduling of reports by clients
Steps to Apply
• Customer selects the account number and fills the
registration details
• Customer is shown the pricing for the product
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I-Multipay activation
• Customer selects the Workflow for payment. Customer is given an option of retaining the
workflow or selecting a new workflow
• On input of OTP, request for I-Multipay is placed
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Payment to Ad-hoc Beneficiary activation
• Customers can use Payment to Ad-hoc beneficiary to make bulk payment through single file upload
without registering any beneficiary.
Steps to Apply
• Customer selects the account number and inputs
the RM ID
• Post successful authentication through OTP, the
PAB service is activated for the customer
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Cash Delivery Request
Customer can avail delivery of cash to the
client’s premises, franchises or showrooms. It
offers following advantages
• Minimization of operational risk
• Reduction in Cost
• Increased Efficiency & Security
How to Use
• Customer is asked to fill the basic details
for one-time registration for DSB
• Customer can use this option to Add/
change/ delete pickup points
• Customer is also given an option to raise a
delivery request
42
Virtual Account Collection activation
Customer can use Virtual Account Collection to get payer details and credit information for
recurring inward RTGS, NEFT & IMPS in their account. The basic features are –
• Facilitates real time funds availability
• MIS towards their recurring collection received
• Frequency of MIS customizable as per requirement
Steps to Apply
• Customer selects the account number and fills
the registration details
• Customer is shown the pricing for the product
• On input of OTP, request for Virtual Account
Collection is placed
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Multiple Invoice Collection activation
Customer can use this facility to raise invoices in bulk and provide your customers option to pay
conveniently through their mode of choice - Internet Banking, Credit or Debit Card, UPI, NEFT, Cash
and Cheque
Steps to Apply
• Customer selects the account
number and PAN number
• Customer is asked to chose
the collection method
• Bill Upload (Multiple
Invoice)
• OTC (Single Invoice)
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Multiple Invoice Collection activation
• Customer fills the Business info and Promoter info.

• On input of OTP, request for Multiple Invoice Collection is placed
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Cash Pickup Request
Customer can avail collection of cash to the
client’s premises, franchises or showrooms. It
offers following advantages
• Minimization of operational risk
• Reduction in Cost
• Increased Efficiency & Security
How to Use
• Customer is asked to fill the basic details
for one-time registration for DSB
• Customer can use this option to Add/
change/ delete pickup points
• On addition of pickup point, customer can
also raise a pickup request
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Single Invoice Collection - Registration
• Customer is shown the registration page when the first time he logs in
• Customer is asked to enter the Alias Name, select Account number and create a VPA
• On successful creation of VPA, the registration is complete
47
Single Invoice Collection – Enable Cards
• To enable collection via Credit Cards and Debit cards, customer selects Order POS and selects
‘Online payment link and BharatQR’ option
• Customer is asked to fill the Business details and Address, and shown the pricing
• Collection via cards will be enabled upon approval
48
Single Invoice Collection - Collections
• Post registration, the customer can select the ‘Collect Payments’ option to begin collections
• Customer needs to enter particulars, amount and mode from which user want to collect
• On successful submission, the payment link will sent to customer’s mobile number
49
Single Invoice Collection – Transaction History
• Customer is also given options to view the transaction history and add sub merchants
50
Order POS Machine
• Customer can use a point of sale (POS) terminal to process credit or debit card payments
at retail locations.
• Choose from range of best in class terminals
• Provide your business information online with no paper work
• Terminal will be installed in 3 working days
Steps to Apply
• Customer selects the option to apply for POS by
clicking on ‘Card Reading Device’
• Customer is able to select the device from the list
of device available
51
Order POS Machine
• Customer is asked to fill the Business details and Address for delivery
• Customer is shown the pricing for acceptance
• On clicking on proceed, the request for POS as successfully placed
52
Insta Overdraft
• Customer can apply for Insta-OD offer by clicking on ‘Insta-Overdraft’ tab in the more section
• Customer is given shown a pre-approved offer for availing instant loan of upto INR 15 Lacs
53
Apply for Loans
Steps to Apply
• Customer can apply for loans by clicking on

‘Apply for Loans’ tab in the more section
• Customer is given an option of selecting
among the three available loans
• Business Loans
• Auto Loans
• Home Loans
54
Apply for Loans
• Customer is asked to fill basic details in the form

• On successful submission, a CRM lead is created and the customer is given a reference number
55
Inward remittance – Settlement
56
 Select a transaction. Click to add remittance details

 Look up for purpose code.
 It will show an error if selected purpose code requires document
submission
57
 User has the flexibility to settle part/full funds in EEFC and/or current
account
 Reference number will get generated once the transaction is initiated
 Under view details user can see the transaction details
58
User can view the status of the transaction under Inward

remittance status
59
EEFC Conversion
 Customers holding balances under EEFC account will be displayed for

conversion
60
EEFC Conversion
61
Inward remittance – EEFC Status Enquiry
user can view status of the EEFC conversion under EEFC status Enquiry
62
Trade One View dashboard
A one stop solution for all your
queries and requirements . A
platform which can be used for
resolving all your queries on the fly
at the click of a button.
Trade One view gives a complete

picture about the trade transactions
For any query call - 040 30021717
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Upon clicking Awaiting your instructions, customer can view

 Inward remittance pending for settlement
 Import/Inland collections bills received
64
Upon clicking Trade compliance need your attention, customer can view all
pending Bills/payments
65
Upon clicking Outstanding & Overdue for payment ,customer can view all
Pre/Post shipment overdue, Import bills under LC and Overdue Export
bills/LC/BG
66
Trade Online activation
• Trade online is a unique digital

platform enabling customers to
transact online without visiting
branches for document
submission
• TOL enables the customers to
track status of the transactions
through one view dashboard.
How to Apply
• Customer is asked to fill the asked to select the account number and branch
• On successful submission, TOL services are activated for the customer.
• This feature is available to only sole users
67
Pay GST
• Customer can make Payment of GST without adding the CPIN number as a beneficiary
• Customer inputs the CPIN number, Debit account number and Amount.
• Post input of Grid card details and OTP, transaction is initiated through NEFT
68
Income Tax Payment
• Customer is given an option of

making Income Tax payment
through InstaBIZ
• Customer inputs the PAN number
and other personal details
• Post that, customer is asked to
enter the Tax details
69
Income Tax Payment
1.Customer is shown the pre-

confirmation page
2.Customer is asked to select the
Rule and approver from the list
available
3.On submission, the payment is
sent to the approver, and success
page is shown
70
TDS Payment
• Customer is given an option of

making TDS/TCS payment through
InstaBIZ
• Customer inputs the TAN number
and other personal details
• Post that, customer is asked to
enter the Tax details
71
TDS Payment
1.Customer is shown the pre-

confirmation page
2.Customer is asked to select the
Rule and approver from the list
available
3.On submission, the payment is
sent to the approver, and success
page is shown
72
Bulk Tax Payment activation
• Customer can activate Bulk Tax
Payment option through CIB
• Customer clicks on the proceed
button
• The service for the customer
would be activated from the next
day onwards
73
Approvals – Fund Transfer
 Customer is given option of approving the Payments initiated via CIB or InstaBIZ
 Customer is shown all the pending list of approvals
 On input of OTP, the approval moves to the next stage and reference number is
shown to the customer
74
Approvals – CMS Payments
 Customer is given option of approving the CMS Payments initiated within 7 days
 On input of OTP, the approval moves to the next stage
75
Approvals – Trade Online
 Customer is given option of approving the TOL approvals for BG, LC, Remittances, Bills
 On successful submission, the approval moves to the next stage
76
Approvals – Connected Banking Registration
 Customer is given option of approving the Connected Banking registrations through aggregator
portal
 On input of OTP, the approval is complete
77
Approvals – Tax Payments
 Customer is given option of approving the State Tax Payments

 On input of OTP, the approval moves to the next stage
78
Urgent & Important – Cheques in clearing
This shows list of Cheques deposited and marked for payment till T-3
days for selected account number
79
Urgent and Important- Pending IRM
80
Urgent & Important – Limit Expiry
81
Manage your Business – Raise Invoice & Collect
82
Manage your Business – Raise Purchase Order & Pay
83
Manage your Business – Raise Purchase Order & Pay
84
Manage your Business – Raise Bills & Pay
85
Manage your Business – Setup Promotional Campaign
86
Manage your Business – Business Dashboard
• Get the complete overview of cash position i.e. total

pending payables and receivables
• Analytics will plot the business number graphically
• Edit, delete and update contacts and items
• Upload address and logo that will be present on all
the invoices, purchase order and bills raised
• Input GST number in order to generate GST compliant
invoices
87
Manage your Business – Send Payment Reminder
• Through this functionality you will be able

to see all the overdue invoices
• Click on “send reminder” to mail the
overdue invoice to the payer
88
Registration Page - 1
• Click here for the home page.
• Customer needs to enter basic details –

First Name, Last Name, Mobile number,
Email ID and Pincode.
• Basis Pincode, all corresponding ICICI Bank

branches under than Pincode will be
fetched, out of which customer has to
select one.
• Customer has to mandatorily agree to the

terms & conditions
89
Registration Page - 2
In case customer is already holding
another ICICI Bank, he needs to
checkmark “Are you an existing ICICI
Bank customer?” and then select the
type of account that he holds viz Savings
Account, Individual Current Account or
Non- Individual Current Account and then
enter the given ICICI Bank account
number. Mentioning the account number
will auto-fetch PAN, name, address and
other details from iCore (the validation
in this case is that mobile number
entered in this form should match the
mobile number updated in iCore for the
entered existing account number).
90
OTP verification
• OTP will be triggered on the mobile
number entered on previous
screen. If OTP is not received in
one minute, customer to click on
Resend OTP, post which a new OTP
is triggered.
Dear Customer, • As soon as OTP verification is done,

123456 is the OTP the lead ID gets created in Sales
to verify your
CRM and is assigned to a sales
phone number.
OTPs are SECRET.
officer automatically basis Sol ID
DO NOT disclose it (Pincode and Branch).
to anyone. Bank
NEVER asks for
OTP.
91
Sales CRM
Post OTP authentication, lead ID will be generated in Sales CRM and the
customer details will be assigned to branch official of the given branch
selected by customer in Sales CRM in round robin fashion. Please ensure that
customer is contacted immediately.
92
Smartform
Branch official can fetch details entered/ uploads done by customer online in
Smartform basis tracker ID or lead ID. Please ensure that your Smartform apk is
updated to the latest version v7 apk 93
Entity Selection
Application ID will be generated post OTP verification;

an SMS will also be triggered to customer mentioning
Application ID. Customer can view the “Document
Checklist” required for current account opening for
the given entity type
94
Business Profiling
• Customer to enter the required details

for business profiling – these details are
similar to what is mentioned in
Smartform for profiling. Below is sample
screen for entity selected as Individual :
• Customer will have to click on Suggest

Product to proceed further
95
Recommended Product - 1
The recommended current

account variant basis business
profiling details entered by
customer will be displayed.
Customer can view more
details of variant and
Schedule of Charges by
clicking on Explore.
96
Recommended Product - 2
• In case customer wants to view

details of another Current
Account variant, he can Select
compare product, and then
Compare button, post which the
new product details will be
displayed.
• Customer needs to click on

Choose to select the given
Current Account variant and to
proceed to next step.
97
PAN Details
Customer to enter PAN number in case of individuals

and proprietors. Here, State will be auto-populated
basis Pincode entered by the customer, but customer
can modify the same. Also, if the existing ICICI Bank
account number was entered by customer during
registration, PAN number will get auto-filled in this
screen.
98
Personal Details: Identification Information for Indiv/ Prop -
1
Customer to enter the required
details such as first name, last name,
gender, DOB, etc. All mandatory
fields are marked *. Customer has an
option to upload his photo and
document proof. The details will be
auto-filled on this page as well, if the
existing ICICI Bank account number
was entered by customer during
registration
99
Personal Details: Identification Information for Indiv/ Prop –
2
Customer to enter the communication
address, he can also upload image for
the communication proof. In case the
form is being filled up on mobile,
customer has an option to click image
through mobile camera.
100
Personal Details: Identification Information for Indiv/ Prop –
3
Individual/ Proprietorship entity is
also given option to choose to
register nominee.
101
Personal Details: Nomination for Indiv/ Prop
If the nominee is a minor (age

below 18 years), then guardian
details are additionally required.
For the address for future
communication, customer can
select “Communication Address”,
which will fetch communication
details of individual/ proprietor
entered in previous screen or
“Other” where completely new
address details need to be entered
102
PAN Details - Others
For entities other than Individual/

Proprietor, GSTIN and entity name to be
mentioned in addition to PAN details.
In case of entity name, customer has the
option to “fetch” details basis name
wherein other details of the customer
like Date of Incorporation, Certificate of
Incorporation proof number and
communication address will be
autofetched from MCA website.
103
Business Details - 1
Customer to enter the required

details as displayed on screen. All
mandatory fields are marked *.
Customer needs to verify the details
which have been autofetched from
MCA website. Additionally, customer
can also select proof as IEC code, VAT
proof number etc and also be able to
“fetch” the AS/BO details
104
AS/ BO details
AS/ BO will have same fields as

Identification Information for
Individuals. Also, Type of AS/BO would
need to be selected
105
FATCA & Other Declarations - Individuals
Customer needs to fill FATCA-CRS declaration

and for receiving promotional calls/ SMS. FATCA
declaration will show appropriate questions
basis entity type, i.e. separate questions for
individual and non-individuals. The screenshot
is for individuals.
106
FATCA & Other Declarations - Others
Customer needs to fill FATCA-CRS

declaration and for receiving promotional
calls/ SMS. FATCA declaration will show
appropriate questions basis entity type. The
screenshot is for entities other than
individuals.
107
Upload of documents
Customer needs to upload

documents (optional). The
document list will be displayed basis
the type of entity selected
(individual, company etc).
108
Review of Online Application
Customer can view the details entered by him

and can make modification by clicking on editing
icon against Personal Details or FATCA & other
declaration details. The form will take back to
the previous screens where customer had modify
the details.
Customer can also review the Current Account
product/ variant selected by him and once he
agrees with the details, can click on Save &
Proceed for next steps. In case customer wants to
make any changes anywhere, he can also click on
Back button.
109
Choosing preferred Current Account number
Customer is given an option to select

last 6 digits of his account number.
Every time customer enters value, he
has to click on Check availability.
System will thereby check if there is
any existing account with same
number or blocked by someone or if
the given PAN has already been used
for blocking some other account
110
LIVE Assistance
Customer can click on LIVE Assistance on

any of the screens between 9am – 6pm,
post which an auto-dialer call will be
triggered to customer and PBO (Phone
Banking Officer) will be able to view the
customer screens to assist customer with
the online account opening process
111
Account number selected
Customer’s preferred account number is generated.

Customer can also download account opening form to
view the entire details filled up by him online. The
lead will be assigned to executive in CRM and
customer will be assured of visitation within 1 working
day to complete other pending formalities of Current
Account opening.
In case customer does not complete the form within 1

hour, an SMS will be triggered to customer reminding
him to complete the form
112
Track Application
Customer can later track status of his

application number from the home
page wherein customer can view the
status of his application ID and check if
the current account has opened.
113
Business Networking- Sign up step 1
114
115
116
117
Business Networking- BizCircle step 5
118
119
120
121
Invest and Insure- Life Insurance
Customer can download PDF of policy and upon

clicking at “Apply now” below details will be
uploaded in campaign ids in CRM and will be
assigned to RMs
• Contact number
• Customer’s Name
• A/c number
122
Knowledge Series- Video FAQs
This option will enable us to better

understand your needs and thus be
able to recommend the best fit
product basis your requirements
123
My profile
• Customer can see and share his profile details with his contacts
124
Product Catalogue and Finder
This option will enable us to better

understand your needs and thus be
able to recommend the best fit
product basis your requirements
125
Dashboard - Services
Services –
 Trade related services
 CMS services
 Current account services
 Debit card services
Support
 Call us – 18601206699
 Mail us - corporatecare@icicibank.com
 Call RM – Name, contact number & email ID of
mapped RM for ETRG customers
 Offers
126
Trade Related Complaint- Shipping bill/BOE
related
Trade related complaints provides two services

 Shipping documents, bill of entry submitted but not regularized
 Issues related to inward remittance or outward remittance
127
Trade Related Complaint- Shipping bill/BOE
related
• Bill of entry services will only work if user has submitted export
bills for regularization/import bill of entry report for updation at
the branch and it is not updated after 3 working days.
• Once raised the SR will be processed within 3 working days
128
Trade Related Complaint- Transaction related
• Complaint to be raised for Inward / outward remittance/LC/BG, if

request was submitted at branch and is not processed beyond 1 day.
• Once raised the SR will be processed within 2 working days
129
Trade Related Complaint- Transaction related
Status of raised SR can be tracked through “Track your Request” feature
130
Raise a Service Request - CMS
• Customer are given option to raise service request related to CMS

products (Payment and Collection products)
• Customer fills the basic details and information about the issue
• On successful submission, an FCRM request is created and service
request number is shared with the customer
131
Current account services
• Cheque services
• Cheque book request
• Stop Cheque
• Cheque inquiry
• Linking of accounts
• Linking/delink of accounts
• iTrack – track your deliverables
like Cheque book, card
• Track services request – check
status of you services request
132
Cheque Services
 User can place a request for Cheque book

 User can stop single or multiple Cheque Payments
 Based on the cheque series issued to account mapped, user can check
status of cheques by entering cheque number details.
133
Linking of accounts
User can link or delink single or bulk accounts.
134
Track deliverables and service request
Track SR – User can check

status of service requests
by entering the SR number
or he can check all
open/close SRs mapped
against his account.
iTrack – User can track the

delivery of products like
Cheque book, cards, etc.
135
Debit Card Services
User can generate pin for his debit card. He can block unblock his cards
and he can apply to reissue debit card
136
Guest Dashboard - InstaOD
 Customer can instant loan sanctioned upto Rs. 10 Lacs based

on current account transactions.
 Amount will be sanctioned immediately and will be
disbursed on opening of current account
137
Guest Dashboard- Collect Invoice Registration flow
138
139
140
Guest Dashboard- Collect Invoice transaction flow
141
142
143
Employee- What’s in it for you?
• Higher AAB leading to higher operating profit

• 20% book growth in ERV active on mobile banking
• Tool for high value acquisition
• Higher cross sell (PTC) through customized

recommendations & digital cum instant fulfillment
journeys
• 8 lac+ cross sell opportunities available
• More time to cross sell owing to absence of physical setup

process and paperwork
144
Employee Assistance
• SES Microsite
Detailed PPT and Self assisted guides under below path Knowledge
Bytes
Universe > RBG> RLG> SES>InstaBIZ LINQ Application
• InstaBIZ Demo App

https://imbuat.icicibank.com/instabiz-demo.html
Branch
Branch SES MICROSITE
Resolution
Resolution
• Weekly Knowledge Bytes Desk
Desk
Refer to mails from “RBBGTRAINING” id

Self assisted
guides
• LINQ Application Demo
App
Detailed PPT will be available here
• Branch Resolution Desk

Employees can call at 022-39337900 for support
• ICICI Bank website: https://icicibank.com/instabiz/index.html

145
Expectation
• 100% participation in Capability building

exercises: webcast, reference material & e-
test
• Download of Demo app
• 100% prompt actioning on all leads in CRM

generated through various initiatives
146

Instabiz: Mobile Banking App For Self Employed Segment Customers

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Instabiz: Mobile Banking App For Self Employed Segment Customers

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InstaBIZ: Mobile Banking App for

Self Employed Segment Customers

August 17, 2019

On-boarding NA • Digital CA opening

Engagement NA • Role and usage based UI

InstaBIZ for instant business needs

● On the 1st flash screen select register as a guest

 Click on Forgot Password, incase user forgets

 For any other query follow the SR path

 First Login Screen: Prompts to Set Up MPIN

 Set Up MPIN (step 4)

• Single view of all Account details - Name

• Know More – advanced account details

 Customized UI basis user access role

This section gives visibility for the crucial and

• Cheques in clearing – This shows status of

• Inward remittance – this will display Foreign

• Limit expiry date –

 Manage Your Business provides you with the

 Customer is given an option to Add payee under

 Customer is enter the OTP for validation of Payee

 Customer is given an option to

 Customer is given an option to Delete

 Click on “Pay to VPA” for initiating a payment towards other VPA

 Customer needs enter OTP for

 Customer needs enter OTP for

 Bill payments provides instant bill

• Customer fills the Business info and Promoter info.

• Customer can apply for loans by clicking on

• Customer is asked to fill basic details in the form

 Select a transaction. Click to add remittance details

User can view the status of the transaction under Inward

 Customers holding balances under EEFC account will be displayed for

Trade One view gives a complete

For any query call - 040 30021717

Upon clicking Awaiting your instructions, customer can view

• Trade online is a unique digital

• Customer is given an option of

1.Customer is shown the pre-

• Customer is given an option of

1.Customer is shown the pre-

 Customer is given option of approving the State Tax Payments

• Get the complete overview of cash position i.e. total

• Through this functionality you will be able

• Click here for the home page.

• Customer needs to enter basic details –

• Basis Pincode, all corresponding ICICI Bank

• Customer has to mandatorily agree to the

Dear Customer, • As soon as OTP verification is done,

Application ID will be generated post OTP verification;

• Customer to enter the required details

• Customer will have to click on Suggest

The recommended current

• In case customer wants to view

• Customer needs to click on

Customer to enter PAN number in case of individuals

If the nominee is a minor (age

For entities other than Individual/

Customer to enter the required

AS/ BO will have same fields as

Customer needs to fill FATCA-CRS declaration

Customer needs to fill FATCA-CRS

Customer needs to upload