The invention of the internet has brought a remarkable transformation of the financial industry in the digital age. With the advent of mobile banking apps, individuals now carry the power of their entire financial world in their pockets. This revolutionary concept has redefined convenience and accessibility, enabling users to check balances, transfer funds, pay bills, and even apply for loans, all with a few taps on their smartphones. Gone are the days of waiting in long queues at brick-and-mortar banks; now, banking services are available 24/7, providing users with the flexibility to manage their finances on their own terms. Banking in your pocket represents a paradigm shift, where financial empowerment and control are just a few clicks away, making managing money more accessible and efficient than ever before.
Most of the banks have their own mobile banking apps. Some of them are listed below:
- Bob world
- IPPB Mobile banking
- Candi mobile banking app
- YONO lite SBI
- AXIS mobile
- IDBI bank GO mobile plus+
- PNB one
Let’s pick up some of them and see how they function.
IPPB mobile banking: features
IPPB helps its customers especially those who live in small towns and villages, to open bank accounts and do banking things like saving money, sending money, and paying bills. You can have your bank in your pocket by using your mobile phone to do banking activities wherever you are. You don’t have to visit the bank for every single task. Through IPPB, you can pay your electricity, water, and other bills at your convenience without going to a bank or an office. You don’t have to worry about sending money to a family or friend who lives far away.
You can easily send it regardless of the distance. IPPB helps the government send money and benefits to people who need them, like pensions and subsidies. They also offer things like insurance and pension schemes to help people have a financially secure future. Likewise, BOB World has the same benefits and features.
How to log in to IPPB Mobile Banking?
Logging into IPPB mobile banking is not a difficult task. You just have to open the app and enter your customer ID and pin code. These credentials are provided when you register for IPPB mobile banking. If you haven’t registered for the IPPB mobile banking yet, follow these simple steps:
- Go to a nearby post office where IPPB services are available.
- Make an inquiry at the front desk about registering for mobile banking.
- You will be asked for details like your name, address, and identity proof. The identity proof can be your Aadhaar card, driving license, or any other government-issued identity card.
- They will help you throughout the process of setting up. You have to create a secure PIN, which is a secret number that you’ll use for banking on your phone.
- Sometimes, you have to provide your fingerprint or other biometric information to maintain authenticity.
- After everything is set up, you’ll get a confirmation SMS or message on your phone. Now, you are ready to use IPPB mobile banking.
Steps for BOB World login
Following are the simple steps for BOB World login.
- First, open the Bob World App on your mobile device. If you haven’t already installed the app, you can do so by downloading it from your device’s app store whether iOS or Android.
- On the login screen, you will typically find two fields: one for your Username or Customer ID and another for your Password.
- Enter your Username or Customer ID in the first field.
- Enter your Password in the second field. Make sure to enter it accurately and confidentially. Do not disclose your credentials to anyone. People can misuse it.
- After entering your credentials, click or tap the “Login” or “Sign In” button.
- If your credentials are correct, you will gain access to your Bob World App account, where you can perform various banking activities and access account information.
Internet banking vs Mobile banking
|Accessed via web browser on a computer, laptop, or mobile phone
|Accessed through a dedicated app on a smartphone
|Offers a wide range of banking services including checking balances, transferring funds, bill payments, and investment management
|Focuses on core banking functions for quick use on mobile devices
|Can be used on a computer, laptop, or mobile phone with an internet connection
|Tailored for smartphones and tablets, ideal for on-the-go banking
|Relies on strong encryption and security measures; computer security is important
|Mobile banking apps often have robust security features including biometrics and encryption
|May take more time and may not be as convenient for quick transactions
|Designed for quick and easy access, ideal for managing finances on the go
What to do if you forget your password or PIN for IPPB mobile banking?
If you forget your password for IPPB mobile banking, do not worry! You can always reset or change your password by following the steps below
- Open the IPPB Mobile Banking app select the “Forgot Password” or “Reset Password” Option on the login screen and tap on it. Or when you type the wrong password you will be given these options.
- Then, you have to enter some of your personal information to verify your identity. This information includes your account number, mobile number, date of birth, or other details as required by IPPB. Sometimes, there are security questions that are set at the time of registration. You should remember that question and the answer you provided. You will be given access to change your password by providing the answer.
- You have to go through a series of steps to verify your identity. You will receive a one-time password (OTP) on the mobile number or email that you have registered.
- Once your identity is verified, you will have the option to set a new password for your IPPB mobile banking account. It is always advisable to create a strong and secure password.
- Then, enter your password again and confirm it.
- After successfully setting the new password, you should be able to log in to your IPPB mobile banking account with the updated credentials.
Precautions to take up while using Mobile banking apps
- Use official app sources.
- Enable security features (e.g., biometrics).
- Create strong, unique passwords/PINs.
- Keep the app and device updated.
- Secure and protect your device with a lock screen.
- Be cautious with public Wi-Fi.
- Always log out after use.
- Review app permissions.
- Beware of phishing attempts.
- Monitor account statements.
- Use Two-Factor Authentication (2FA).
- Keep your phone and apps updated.
- Avoid jailbreaking/rooting.
- Stay informed about common scams.
- Contact your bank if you suspect issues.