HDFC Bank partners with ZineOne to provide rich digital banking experience

  • To benefit over 40 million customers of the bank

Mumbai, 2017:HDFC Bank Ltd., one of India’s premier digital banks has partnered with ZineOne to provide rich digital banking experience to its customers across all digital channels.

As part of this partnership, ZineOne, a start-up based in Silicon Valley in the US, will deploy its innovative Customer Interactions Hub (CIH) to provide personalized, seamless, and rich digital banking experiences across all digital banking channels of the bank. It will benefit over 40 million customers of the bank.

The Customer Interactions Hub will establish a single customer identity and bring real-time, contextual, and omni-channel functionality tointeractions across businesses, applications and digital properties including web applications, mobile apps, digital wallet, website, kiosks, and ATMs. This will enable a seamless customer experience across HDFC Bank’s Netbanking, Mobile Banking, and apps such as PayZapp (a complete payment solution), Loan Assist, and HDFC Securities, among others.

“Digitization for us is nothing but enhancing customer convenience and delight. All our innovations are aimed at giving them the flexibility to choose from multiple customer touch points and digital channels. With this partnership with ZineOne, the customer experience on these digital banking channels will be seamless, personalized, and richer,” said Mr.NitinChugh, Country Head – Digital Banking, HDFC Bank.

“We are excited to be working with HDFC Bank on this project,” said Debjani Deb, co-founder and CEO of ZineOne. “Our big data technology stack is designed to process the massive volumes of incoming customer activities data and provide sub-second responses within the customers’ immediate context. Additionally, our out-of-the-box use-cases enablement approach combined with dynamic events and customer segmentation will help us execute HDFC Bank’s customer engagement initiatives within minutes or hours rather than days or weeks.”


Promoted in 1995 by Housing Development Finance Corporation (HDFC), India’s leading housing finance company, HDFC Bank is one of India’s premier banks providing a wide range of financial products and services to its 37 million customers across hundreds of Indian cities using multiple distribution channels including a pan-India network of branches, ATMs, phone banking, net banking and mobile banking. Within a relatively short span of time, the bank has emerged as a leading player in retail banking, wholesale banking, and treasury operations, its three principal business segments.

The bank’s competitive strength clearly lies in the use of technology and the ability to deliver world-class service with rapid response time. Over the last 23 years, the bank has successfully gained market share in its target customer franchises while maintaining healthy profitability and asset quality.

As of March 31, 2017, the Bank had a distribution network with 4,715 branches and 12,260 ATMs in 2,657 cities/towns.Total income for the year ended March 31, 2017, was INR 816.02 billion (Rs 81,602.5 crore).Leading Indian and international publications have recognised the bank for its performance and quality.For more information please log on to:

About ZineOne

ZineOne is an activity-driven Customer Interactions Hub that powers real-time brand-to-user interactions across all digital channels. We bring the power of streaming analytics and machine learning to customer and machine interactions. Our context aware computing technology provides business users tools to rapidly develop, test and deploy new customer interaction solutions. These solutions engage their customers in every step of the buyer journey with one-on-one interactions that are powered by patterns and triggers discovered from their real-time activity stream.