Srinagar- Strengthening its digital footprint and reinforcing its focus on customer convenience, J&K Bank today launched a comprehensive suite of new digital products and IT services at a function held at the bank’s corporate headquarters. The rollout marks a significant enhancement of the bank’s technology ecosystem, aimed at improving transaction ease, tightening security, and creating a seamless banking experience across platforms.
The services were launched virtually from the bank’s Jammu office by MD & CEO Amitava Chatterjee. Executive Director Sudhir Gupta, CGMs Sunit Kumar and Imtiyaz Ahmad Bhat, general managers and senior officers attended the event at the Srinagar Corporate Headquarters, while divisional and zonal heads joined via video conference.
Speaking at the launch, MD & CEO Amitava Chatterjee described digital transformation as “the spine of modern banking”, emphasising that the bank is accelerating its shift from conventional branch-led operations to a full-fledged omni-channel, tech-enabled model. “With these new products and services, we are not just keeping pace with change; we are moving decisively into a future-ready ecosystem where customers can bank anywhere, anytime with complete confidence,” he said.
He appreciated the bank’s technology team for their efforts and termed the new offerings as “timely, essential and useful feathers in the bank’s digital cap.”
Highlighting key products, Chatterjee noted that the J&K Bank Voice Pod App could become a “game-changer” by offering voice-activated UPI payment notifications without requiring a physical sound box—working entirely through a mobile phone to enhance convenience.
He also praised the new RuPay Platinum Credit Card, which supports QR-based, tap-and-pay and app-enabled payments across major UPI applications such as BHIM, Google Pay and Paytm.
Urging operational heads to amplify staff engagement for product promotion, he stressed the need to educate customers about offerings like Re-KYC through mPay Delight+ and Automated Digital Fraud Management. “The success of these initiatives depends on how quickly and effectively people adopt them,” he said.
Executive Director Sudhir Gupta congratulated the teams involved and said the new digital ecosystem aligns with global banking standards. “Amid the fast-changing technology landscape, the Bank is building a long-term digital transformation framework that adapts to evolving customer expectations and increasing regulatory requirements,” he noted.
General Manager (Strategy & IT) Mohammad Muzaffar Wani elaborated on the product features, stating that embedding advanced technology into banking workflows will create a superior, secure and customer-focused digital experience.
Earlier, a detailed presentation showcased the new offerings, which include the RuPay Platinum Credit Card, Automated Digital Fraud Management, Re-KYC via mPay Delight+, Personalised Cheque Book Issuance via mPay Delight+, the J&K Bank Voice Pod App and IMPS Simplified.
The bank recently unveiled its RuPay Platinum Credit Card at the NPCI Pavilion during the Global Fintech Fest 2025 in Mumbai.
Product Highlights
RuPay Platinum Credit Card:
Provides wide acceptance across POS machines, ATMs, e-commerce platforms and small merchants. It supports UPI credit card integration for QR, tap-and-pay, and app-driven transactions, complemented by EMV chip security and OTP/UPI PIN authentication.
Automated Digital Fraud Management:
Offers real-time transaction traceability, instant account freezing and lien marking. Integrated with the National Cybercrime Reporting Portal (NCRP), it enables rapid reporting and mitigation of suspicious transactions.
Re-KYC via mPay Delight+:
Allows customers to update periodic KYC digitally. Data is auto-fetched from the bank’s CBS system or retrieved through CKYC/CERSAI APIs, eliminating branch visits in most cases.
J&K Bank Voice Pod App:
Replaces hardware sound boxes with a voice-assisted interface that provides transaction history, dashboard access, multi-language support and UPI notification alerts—enhancing accessibility for customers unfamiliar with complex app navigation.
IMPS Simplified:
Enables instant 24×7 interoperable fund transfers with an easier P2P experience. Customers can now transfer funds using only the recipient’s mobile number and bank name.
Personalised Cheque Book Issuance via mPay Delight+:
Allows customers to request personalised cheque books digitally, with delivery tracking and doorstep service options.
