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Ramesh Ramakrishnan

Consultant – Banking Operations, BFSI, TCS


  • To drive the shift toward digital transactions, banks must design innovative products – one such is where a certain portion of an incoming remittance will be automatically moved into a digital segment.
  • Financial transactions and other services like ordering cheque books and enabling account statements and double-layer authentication of transactions can be done through voice recognition (first layer) and one-time password (OTP) verification (second layer).
  • Digital accounts and voice-based transactions are not merely new banking products but offer a completely different banking experience for the digital-native millennial customers.