I have had bad customer experience with most banks and DCB is no exception. They launched new product – niyo app, may be it’s not that new, but the point is that if you don’t back it up with great customer service, ppl will never do business with you. With all this digitalisation, you cannot replace great customer experience just with an app. The idea of using technology is to make the process of using product simpler and convenient for the customer and not save money by having fewer call centre agents. This is the issue with almost all the banks. Kotak is slightly better than other banks.
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