Mobile banking has become an integral part of the banking experience and is one of the major factors for customers when evaluating a bank. But still, some people prefer savings account over digital banking channels for performing transactions as they are concerned with the safety of their money. These non-tech savvy customers are quite apprehensive to use the mobile app for even accessing the e-passbook services. They still prefer standing in long queues at the banks to access and view their transactions. Mobile passbook app is the first step to encourage this category of customers to opt for digital channels.
ModeFinServer’s ePassbook is a smartphone application available on both Android and iOS to access and explore account transactions instantly. It is more than a conventional passbook. It allows customers to view transactions of all (multiple) operative accounts at a single window. ePassbook application can run as an independent app or can be clubbed with the bank’s mobile banking application.


Share account/transaction details with others as proof of payment via SMS or e-mail
Facilitates easy registration for new products/services
Personalize the app as per the needs of the customers
Provision for searching & filtering the transactions and allows for tagging of transactions
Infinite scrolling for better customer experience
Sensors help to secure confidential information
The app also works in the offline mode
Inbox for receiving the important messages from Bank
Provision to add transactions to the expense tracker or personal ledger


Customers need not stand in those big queues at branches just to know their balance/statements. This helps banks to create positive customer experiences.
For banks, ePassbook acts as a first step to encourage their customers in using other digital channels like mobile banking and internet banking.
Customers need not fear for hacking/phishing as transactional services are included. It helps the banks to build trust with the customers and attract the non-tech savvy customers to explore the digital banking channels.
Banks can use the app to market their products and services through customized alerts.
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