Sandeep Indurkar

 Launched and scaled Unified Payment Interface (UPI) on ICICI’s iMobile and Pockets to scale digital payments. Developed strategic partnerships with Google “Tez”, WhatsApp and Truecaller to build scale. So far, ICICI has acquired over 10 million VPAs. Acquired three hundred thousand merchants on UPI by introducing new online and offline solutions leveraging QR code, and sound.  Introduced CMS solutions on UPI which is being used by Delivery executives of Swiggy and more than 50% of their collections are through UPI.  Launched Aadhaar Pay by integrating it on ICICI’s Eazypay Application and also created independent solutions for large Merchants to enable collections using Aadhaar based payments. Pilots underway with the State Government of Rajasthan for PDS, HPCL for LPG collections, EMI collection for microfinance institutions.

 In-App payments solutions for Merchants Apps where the Merchant can embed bank payment sdk in their App, giving customer in-line payment experience.  Launched Bharat Bill payment system (BPPS) on Internet Banking portal of the Bank.  Introduced API based services for Corporate clients which are currently being used for COD refunds, Loan disbursement, Incentive payments, salary payments, subsidy disbursals etc.  Provided innovative payments solutions to eCom companies, NBFCs, MFs etc to brings efficiency in the system and in turn increase business and customer experience.  Eazypay services for Merchants: provides merchants one platform for all payments modes and with a consolidated view of collections received across multiple modes – cash, cheques, NEFT, cards, net-banking, UPI.  Eazypay Mobile application for offline Merchants, a one-stop solution for all merchants to collect payments from their customers. It is an alternate POS solution and also includes Aadhaar pay.

 Led strategic partnership with key telecom operators in the country, such as Mobile Money with Vodafone m-pesa, Tata Teleservices mRupee and Aircel, to drive financial inclusion by providing mobile based financial services.  Launched and scaled IMPS services which resulted ICICI Bank to be winner of NPCI award in large bank category for the year 2014 and 2016. 2017 winner is not yet announced.  Introduced various solutions to create an ecosystem for Offline Merchant acquiring - a solution for proximity payment.

Mobile  Launched iMobile, India’s First Mobile Banking application, India’s largest mobile banking app  Mobile Banking solution through USSD route enabling reach of Mobile Banking to all the Registered Customers.  IMPS services on iMobile, SMS and USSD  Mobile Banking for payment to OTC Merchants and Bill Payment through IMPS Internet  Grew to lead products since April 2007  Set-up the complete investment and insurance suite on-line which include sourcing of Gold, Mutual Fund, forex, General Insurance & Life Insurance on-line  Revamped the ICICI Bank website based on best practices of usability & benchmarking competitive environment.  Increased efficiency and customer Satisfaction by migrating transactions from Phone Banking to on-line through “Customer Self-help and Process automation” approach.  Launched quick check-out solutions for Internet Banking Payment gateway (Internet PG)  eMandate on Internet PG.  Designed Money Manager, a secure personal finance management tool that give customer a single access view of all accounts, track expense and sets budgets.  Introduced various services on Internet banking like Postal Money Order, Receive funds, Message Center, Convert to EMI, Balance Transfer, Fixed Deposits, Demand Draft and many more. ATM  Launched “smsNcash”- a unique facility to enable cash withdrawal from ATM by 3rd party without requiring use of ATM Card.  Enabling VAS services through ATM.  Working to enable Cash withdrawal for any bank customer on ICICI Bank ATM without using Card. IVR  Facility of generating Internet Banking password on-line or to know your Internet Banking User-ID on IVR  introduced Merchant Payment and Bill Payment on IVR.