Our pillars of innovation

Product Innovation

Addressing the marginalized elements through development of new tools. Through product innovation, we wish to cater to the financial needs of India’s untapped market segments aiding India’s GDP growth.

Illustrative example:

RBIH aims to speed up the issue and disbursement of agriculture loans to farmers under the Kisan Credit Card (KCC) scheme. It would target to solve twin goals of digitizing the farmer’s application process and the bank’s sanctioning process. By taking the current loan process offline to online, we aim to improve institutional credit facilities in the agriculture sector.

Process Innovation

Addressing the financial and banking process by introducing new tools to diversify the systems.

Illustrative example:

Banking Industry across the globe is closely observing the developments in Distributed Ledger Technology (DLT). Therefore, RBIH  aims to conduct a feasibility study of using DLT and leveraging its capabilities for value addition in existing systems or replacing old processes in the Indian banking industry.

Policy Innovation

Adopting a proactive approach in policy development and implementation to provide the impetus to the financial systems.

Illustrative example:

RBIH aims to work on identified high priority emerging technology use cases in consultation with relevant stakeholders and design projects related to trust stack such as data privacy, consumer finance dispute resolution and cybersecurity, enabling concurrent policy development.

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Ms. Shalini Sahay, Head – Corporate Communication & Marketing