Au bank VKYC weird experience

[asahi]

Normally vkyc I got accustomed was: ask dob mail etc for verification & then show pan & aadhar then sign that’s it.
Au bank:
1.no matter what I’m not allowed to show Aadhar,
2.multiple times she keeps on repeating same questions even though i answered at the very 1st time, still she keep on asking same questions & i’ve to answer the same again & again
3.i’ve to explain clearly for What purpose I’m opening this account, i’ve to explain crystal clearly
4. She asked do i have any other bank accounts then i’ve to explain about them
5. She asked, me to show my house around for some reason
6. Biggest shocker: she questioned why I’m using iCloud mail instead of gmail. So i’ve to explain why I’m using iCloud mail to her instead of gmail, what the hell man.
7. She asked me where I’m working my salary my designation & also nature of work & my company field of work(it’s just savings account man)
8. Idk why but for some reason she keep on repeating don’t use this account for other reasons

9. She enquired whether i read terms & conditions of bank, how i got to know about Au bank
10. At last she shared a mail & asked me to give feedback about our interaction. I’ll definitely give once my account is opened


Believe it or not at no point its seemed like a account opening call, it seemed like i was being questioned for my life choices it’s seems more like a grilling

 

[SSV]

@deep@vie FINALLY, after a roller coster for about a week

View attachment 46373
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Congratulations!! You the AU warrior !!

 

[hedgehog2122]

Congratulations!! You the AU warrior !!

Just avoided my first ever refusal

 

[SSV]

Just avoided my first ever refusal

near miss incident though .. will be reported to NTSB ( AAIB in India) !!

 

[HumorSimpson]

Congratulations!! You the AU warrior !!

With lot of devals in AU, he might have won the war but lost the battle ?

 

[SSV]

Just avoided my first ever refusal

With lot of devals in AU, he might have won the war but lost the battle ?

here that is not the point ..
He continued his unprecendent run in the quest for CC acquisition without a single setback !!
Well done mate ..

 

[hedgehog2122]

here that is not the point ..
He continued his unprecendent run in the quest for CC acquisition !!
Well done mate ..

First time realised the importance of work from office

 

[SpaceBar]

My application for their CC was rejected twice , on office verification even without visiting the office!!

I can only imagine why they are doing this…like below:

As they are very small bank and they want to sustain for longer period in the business and hence can’t afford even a small failure in any type of relationship.. they want to take very cautious approach in everything they do and be conservative… this is their way of doing business irrespective of its consequences..
I don’t find any fault with them.. it’s their philosophy, if we like it we will continue our journey with them if not it’s up to us..
At least they have demonstrated their consistency in their approach…

This is my take on them

Just send a mail. They also did the same. I sent them a mail asking for the reason and they issue the same credit card.

 

[SSV]

Just send a mail. They also did the same. I sent them a mail asking for the reason and they issue the same credit card.

This was a long time back mate, anyway these cards are now not that useful.
Thanks for the tip though

 

[deep@vie]

@deep@vie FINALLY, after a roller coster for about a week

View attachment 46373
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Congratulations

 

[its_karan]

Bilkul Riks nahi lene ka iss Bank ke sath

One Card etc using Google GMAIL API to data mine legally

Could you share how this is happening, a explainer or anything

Believe it or not at no point its seemed like a account opening call, it seemed like i was being questioned for my life choices it’s seems more like a grilling

@Anil_Singh Did you had a similar experience like @asahi had when you opened

If I was in your place and she would have asked me such uncomfortable questions, my reply would surely have been:

Account open nahi hoga na bhai fir

Got good punjabi abuses hurled from my father

A good father can take care of mostly all your conflicts

 

[RAMESH BABU N]

....
Believe it or not at no point its seemed like a account opening call, it seemed like i was being questioned for my life choices it’s seems more like a grilling...

To avoid such VKYC meetings, all eligible candidates/applicants must remember :
1. Avoid submitting Aadhaar/PAN/DL with super clear, HD photos with milk-boy features.
2. To mark your status as Married.
3. To indicate at least a dozen dependants on you.

Then those call centre girls will not spend much time in exploring all n sundry details from you.

 

[Anil_Singh]

Bilkul Riks nahi lene ka iss Bank ke sath


Could you share how this is happening, a explainer or anything


@Anil_Singh Did you had a similar experience like @asahi had when you opened


Account open nahi hoga na bhai fir


A good father can take care of mostly all your conflicts

I also got call. I was asked only 2 questions.
1. Purpose
2. Other bank accounts

 

[its_karan]

I also got call. I was asked only 2 questions.
1. Purpose
2. Other bank accounts

Thanks bro .

 

[paxauquabriba-4876]

Bilkul Riks nahi lene ka iss Bank ke sath


Could you share how this is happening, a explainer or anything


@Anil_Singh Did you had a similar experience like @asahi had when you opened


Account open nahi hoga na bhai fir


A good father can take care of mostly all your conflicts

Neo bank essentially offer banking products and services by piggyback on the partner bank via APIs (API Banking) & Google helps in data pipeline

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[its_karan]

Neo bank essentially offer banking products and services by piggyback on the partner bank via APIs (API Banking) & Google helps in data pipeline

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Never understood the Unit Economics of these

Still Thanks Buddy

 

[paxauquabriba-4876]

Never understood the Unit Economics of these

Still Thanks Buddy

same here as nobody understands & nothing to understand other than its purely public auction of personal data by govt & banks.

in layman terms neo banks are basically in pimpin business & mandatorily need access to sms, storage, email that so they can wh0re out your Personally identifiable data to other financial partners, aggregators, insurance, etc for a fee./ commission

Traditional banks provide the old/existing database that fulfils the requirements of legal compliance & sell them to neobanks for a fee while neobanks pay a fee to piggback on the traditional banking system.

Neobanks do cross device datapoints triangulation & match it with data from traditional banks & sell them to anyone legally by charging fee & at the same time neobanks themselves become new owners of their own customer database that again can be sold

Lastly, data pipeline, ML, analytics etc from various sources aka data science technology is facilitated by american giant Google by which neobanks can exist & operate by paying fees to google

 

[falcon007]

To avoid such VKYC meetings, all eligible candidates/applicants must remember :
1. Avoid submitting Aadhaar/PAN/DL with super clear, HD photos with milk-boy features.
2. To mark your status as Married.
3. To indicate at least a dozen dependants on you.

Then those call centre girls will not spend much time in exploring all n sundry details from you.

I had a photo of my childhood on Aadhar and PAN.

AU Bank VKYC girl asked me to update photo on Aadhar and PAN.

Hence, your advice won't work.

 

[RAMESH BABU N]

I had a photo of my childhood on Aadhar and PAN.

AU Bank VKYC girl asked me to update photo on Aadhar and PAN.

Hence, your advice won't work.

Agree and change photo to a current iteration of yourself.
But, NOT as smart as a Baahubali or a Thangabali.

 

[its_karan]

same here as nobody understands & nothing to understand other than its purely public auction of personal data by govt & banks.

in layman terms neo banks are basically in pimpin business & mandatorily need access to sms, storage, email that so they can wh0re out your Personally identifiable data to other financial partners, aggregators, insurance, etc for a fee./ commission

Interesting

 

[Richie Rich]

in kotak 811 vkyc I was asked my favorite animal. is it unusual ?