City Union Bank ne Mastercard ke saath haath milaya hai aur 'One Credential' platform ka pilot test shuru kiya hai. Iska maqsad Indian SMEs ke digital payments aur kharchon ko ek jagah manage karna hai, kyunki **63%** SMEs real-time payment solutions chahte hain.
SMEs ki pareshani ka solution?
Aaj kal ke SME owners ke liye apne business ka hisaab-kitaab rakhna kisi headache se kam nahi hai. Data ke mutabik, ek average SME owner apni finance manage karne ke liye lagbhag 5 alag-alag tools aur 4 tarah ke payment methods ka use karta hai. Isi bheed-bhaad ko kam karne ke liye City Union Bank aur Mastercard ne 'One Credential' platform ko test karna shuru kiya hai.
Bank ke liye kya fayda hai?
MSME lending market mein competition bahut tight hai. Is feature ke zariye bank chahta hai ki clients unke saath zyada time tak jude rahein (customer stickiness). Agar sab kuch automate ho gaya, toh bank ka cost-to-income ratio bhi sudhar sakta hai kyunki manual kaam kam ho jayega.
Kuch Risks bhi hain
Risks ko nazar-andaz nahi kar sakte. Jaise-jaise digital adoption badhega, waise-waise cyber threats ka khatra bhi badhega. RBI bhi banking sector ki IT security ko lekar kafi strict hai. Agar yeh pilot project flop hota hai ya integration mein koi badi dikkat aati hai, toh bank ka digital budget bina kisi khas fayde ke waste ho sakta hai.
Investors ko ab sirf yeh dekhna hai ki kitne SMEs asliyat mein is 'One Credential' platform par shift hote hain. Agle kuch quarters mein bank ke operational efficiency metrics par nazar rakhna zaroori hoga.