B Raj Kumar, Deputy Chief Executive Officer, Indian Banks’ Association at 3rd BFSI CTO Summit, Goa

“Earlier we used to define eras into BC and AD but in recent times we now perceive it as BT (Before Technology) and AD (After Technology). I represent the BT era and I am privileged to witness this entire transformation in banking in alignment with technology in India. Today, we cannot imagine a human being without a smart phone. This change is huge and I am thankful that I could witness both the eras. Technology has now given you the power of convenience. It also helps you in controlling the number of frauds associated with your cards and bank accounts. You can choose to maintain low balance in your particular card and then transfer the required amount to it through mobile banking whenever you need it.”

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