Banking Lifecycle

CEO PRIORITIES Technology first Platforms for customer engagement • HDFC BANK Improve products and services HDFC BANK Reinforce CORE and infrastructure PayZapp 2.0 Xpress Car Loans Customer Experience Hub SmartHub Vyapaar Mobile and net banking re-write myCards Acquisition platform New corporate internet banking Hollow the core 1. Landing zone AI/ML - neural network Data center migration 7 HDFC Bank Presentation, May 2023 Most digitized acquisition | transaction | services Bank

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