eDCI enables streamlining of banks’ multiple delivery channels such as ATM (automated teller machine) and POS (point of sales), e-purse and kiosks. It will also enable banks to have single-customer identification across all delivery channels, says HMA chairman and managing director Harish K Murthy.

Murthy says through eDCI, HMA plans to have a major market presence in the retail delivery segment. “While multi-channel banking is becoming a necessity in Indian banking, providing customers with common banking services across all touch-points has become critical.”

eDCI helps banks in tracking a complete single view of customer profile information when transactions are performed by the end-customer through any delivery channel, he adds. “This, in turn, promotes retention strategy, superior customer services and effective opportunity to increase customer base.”

HMA vice-president (marketing) S V Krishnamurthi says IDBI and Bank of Punjab already have implemented eDCI.