Complimentary Personal Accident Insurance Cover for Blue Users

Hi everyone,

Eager to announce that we are live with the Complimentary Personal Accident Insurance Cover for Blue Users.

Here are the release notes for the same:

Product Features:

- This is an insurance product for Blue users only, in partnership with Bharti AXA

- Insurance coverage: In case of death of user, the nominee gets INR 1,00,000

- This is not valid of any partial disablement/injury

- The premium amount is being borne by NiYO (Re 1 + GST = Rs 1.18)

- The insurance will be valid for any monthly active Blue user (defined as any Blue user who has made at least one POS/Ecomm transaction in a 30 day cycle)

- MITC can be found here: https://niyo.page.link/qbvQ, detailed T&Cs are linked within this document

30 day cycle definition:

- User makes first transaction (T)

- User gets covered for next 30 days (from T to T+30)
- If user makes another transaction in the next 30 days (from T to T+30), user gets covered for the next month as well (from T+30 to T+60)
- If user does not make any transaction in the next 30 days (from T to T+30), policy does not get renewed for next month (from T+30 to T+60)
- After not transacting for the next 30 days (from T to T+30), if the user transacts again (let's say on T+40), recalibrate the start date of cycle to T+40

Claims process:

- The user's nominee needs to contact Bharti AXA support for claims on the following co-ordinates: 

• SMS - claims on 5667700
• Toll Free - 18001032292
• e-mail (e-claim intimation) - claims@bharti-axagi.co.in

- The detailed claims process can be found on this link: https://niyo.page.link/g576

SMS communication flow:

- The user would be notified at different points during the 30 day cycle based on the following flow: https://docs.google.com/document/d/1HGUViVtVdVxJibTF70JxP3A9J4GiE7wgnYRCFit5cvE/edit?usp=sharing

Detailed product document:

- In case of further details, kindly refer to this Confluence Document:  https://niyoninja.atlassian.net/wiki/spaces/LET/pages/251756620/Personal+Accident+1+Insurance+For+Blue

Next up: 

- Marketing around this feature to create buzz

- Driving behaviour to increase spends via NiYO card

For any further clarifications/queries, please contact to your supervisor.

Assisted banking for Mobile number change for Payroll customer

Explaining the Assisted banking feature:-

On the assisted app: [ This is FYI ]

1.    The customer walks up to the PRO/PRM/Sales having the assisted banking app

2.    The assistant enters the customer's email ID / mobile number / CRN in the search box

3.    The assistant taps on the customer from the list of search results and requests the customer to perform a biometric authentication

4.    Post authentication, the customer can request for Balance, Mini statement(type of txn and # of txn) (both are sent by SMS to the registered mobile number) or a mobile number change request

5.    In mobile number change request, the customer asks the assistant to enter the new mobile number

6.    Then the customer has to perform a biometric authentication

7.    Upon successful biometric authentication, the request is placed, the customer gets an SMS on the new mobile number which contains the "Reference ID". 

8.    Customers will then need to call support  1860 258 3009 to get their requests approved. They will have received an SMS on their new mobile number. If not, they can call support and ask them to resend the SMS.

As of now : 3 functionalities are going live: [ FYI ]

1. Send Balance [ will be sent directly to the customer's registered # ]

2. Send statement  [ will be sent directly to the customer's registered # ]

3. Change mobile number [ support will receive these requests for validation & approval ]

Actionable for Customer Support team - on WB : [ Please take note of this ]

Support team needs to log on to workbench, go to Assisted banking requests tab and approve using a code the customer provides - then verify the user details and the new mobile number before approving. Alternatively [ if the ref # is not available or expired ] , they can enter the CRN and click on resend SMS and follow the steps explained below:  

Steps for 

Personal Data change [ Mobile #] using Assisted banking tab on WB :

Scenario 1 : With Ref # 

Step 1 : WB > Assisted Banking > Reference # &  Click on ' Next '

Step 2 : Validate the customer [ Ref customer Validation Process ] & Click on 'Confirm' 

Step 3 :  Number will be updated.  Re-confirm on WB 

Scenario 2 : With CRN [ when ref # is not available , re-generate ref # with CRN ]

Step 1 : WB > Assisted Banking > CRN > Resend SMS  [ a 4 digit numeric code will be generated] 

Step 2 : Enter Ref # > ' Click on ' Next '

Step 3 : Validate customer [Ref Customer Validation Process ] & click on ' confirm'

Step 4 : Number will be updated.  Re-confirm on WB 

If still have any query, ask the supervisor or leave the comment in this post. 

Calls from Unregistered Numbers

Hi Team,

Whenever we receive calls from unregistered Numbers, I would suggest the following to be incorporated as a healthy practice to encourage callers to call from the registered numbers and use the IVR wherever possible. 

Check with the caller if the old registered number belongs to the respective customer and if it’s functional:- 

If the number is operational, then encourage the customer to call from the registered number.

If the number is not operational, the customer needs to register the new number and start using the register number. 

If the old number does not belong to the customer, inform him on the chances of misuse/fraud and request the customer to update his new number. 

If still have any query, ask the supervisor or leave the comment in this post. 

NIYO BHARAT APP

HI TEAM,

NIYO HAS PUBLISHED  NIYO BHARAT APP FOR NIYO ACCOUNT HOLDERS IN HINDI.

BELOW IS THE DETAILS AND SCREENSHOTS:

On NIYO Bharat App, you can see the balance of your NIYO card and the transactions done by the card. When you are not using your NIYO card, you can lock it by the app and unlock it before using it. This way your card and the money you have in it will always be safe. If you forget your ATM PIN this app can change your ATM PIN. Request any other service through written or oral medium within the app.

For the best experience, please download Google Voices in your mobile and keep the volume high. 

***** This feature can only be used by NIYO customers *******

ADDITIONAL INFORMATION

Updated: 10 September 2018

Size: 4.3M

Current Version: 1.0.1

Requires Android: 4.1 and up

KINDLY EDUCATE CUSTOMERS TO USE  NIYO BHARAT APP.

ADVANCE SALARY

1.      Employee calls our IVR (1800-258-3009) to register his/her request for a salary advance by selecting an amount and keying in the last 4 digits of the card to confirm.

2.      After the deadline for the month, the list of eligible requests is consolidated by NiYO and shared with the corporate.

3.      Corporate gives us their attendance data and approves/reduces the amount to be disbursed as advance on their behalf.

4.      Advance Salary will be credited between 20^th to 25^th of every month.

5.      Corporate gives out salary on regular date next month

6.      NiYO recovers the advance given along with a processing fee of 2% in an automated manner.

7.      Next month, when salary is disbursed, NIYO recovers loaned amount + fees automatically.

CHARGES:

Advance Amount	Charges
Rs. 1000/-	Rs.20
Rs. 2000/-	Rs.40
Rs. 3000/-	Rs.60

In case of disputes or non-utilization, the charges will be reversed on a case-to-case basis

  

EXAMPLE:

Opening Balance: Rs.500

DATE	DESCRIPTION	DEPOSIT	WITHDRAWAL	BALANCE
25/2/18	Salary Advance Loan	Rs. 1000		Rs.1500
25/2/18	Withdrawal		Rs.600	Rs.900
7/3/18	Salary	Rs.5000		Rs.5900
7/3/18	Loan Recovery		Rs.1000	Rs.4900
7/3/18	Loan Fee		Rs.20*	Rs.4880

   

*Included GST

UPDATE ON NIYO-MYNTRA CAMPAIN

Hi Team,

The campaign for Benefits customers from Myntra is now live today (11th Sep'18).

PFB offer details:

• Flat Rs.500 Off on purchase at Myntra

• Min. txn amount Rs.1799/- to avail the discount

• Offer valid on products from "Myntra Special Catalogue" only

• Offer valid till 28th Feb'19

• Unique code for each user

• Unique code pushed via Emailer & SMS

• Target audience - 5000 only for today (list attached)

List link : Customer list

These are the Terms and Conditions for the offer:

·  Get Rs 500 off on the Myntra app or website on spends of Rs 1799 or more valid till 28 Feb 2019

·  Valid only on a selected catalogue for Niyo customers -https://www.myntra.com/myntra-special?utm_source=niyo&utm_medium=niyo

·  Search “myntra-special” on the app to access catalogue

·  The code can be used once per Customer

·  Maximum discounts, ie, product discount and coupon discount, are subjected to product level cap enforced by seller

·  This offer is not valid at any of the alliance partner retail outlets/stores

·  Multiple coupons cannot be clubbed in a single order

·  The balance amount, after the discount is availed, will have to be paid by the customer at the time of purchase

·  In no case, whatsoever, can the discount amount be refunded, encashed or partly encashed

·  Myntra's Return and Exchange Policy offers you the option to return or exchange items purchased on Myntra's application within 30 days of the receipt. In case of return of the purchased item, please refer to the “Return Policy” on the website/app or call Myntra Customer care

·  All orders would be subject to availability at the time of purchase and will be governed by the standard terms and conditions listed on the App
All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Bangalore only

·  Disclaimers: Company is not responsible for any typographical error leading to an invalid coupon

Changes in Paper KYC Process- DCB NiYO Cards

Dear All,

There has been a change in Paper KYC process by RBI where they have mandated Aadhar OTP verification.

To avoid the above, DCB is asking for an extra OVD in addition to Aadhar and PAN as a requirement to approve Paper KYC.

Below is the link of process details which has to be followed where we are accepting paper KYC for the issuance of DCB NiYO Card. 

https://drive.google.com/file/d/1NLKvlBiXceya0OzL3y5rZWO6jOE4660y/view?usp=sharing

NIYO URBAN TRIBE OFFER

Hi,

Kindly refer below offer which is released by NiYO.

Every great trip starts with the essentials and something to put them in. To get the most out of your trip, you need durability, style, and space, all in one place - you need something hyperfunctional.

NiYO has joined hands with hyperfunctional bag pioneers, UrbanTribe, to give YOU Rs. 250/- off on your next travel bag.

NiYO UrbanTribe Coupon Code: NIYO250

 How do you redeem the coupon?

1. Go to www.urbantribe.in

2. Use your NiYO card to make your purchase

3. Enter coupon code while checking out

Note :

Offers cannot be merged ie. Only one offer is applicable at a time, NIYO250 is a special offer for our users. 

NiYO Myntra Coupon For Global Card Holder

Hi,

Kindly refer below offer which will get released shortly on NiYO. 

Dear Global Card Holder, Every travel destination demands something different, but fashion is universal. Whether you're on the beaches of Phuket, or on the streets of Rome - we want to help you look your best, at the best price. To get you ready for your next trip, NiYO and Myntra are giving you ₹500/- off on any purchase above ₹1799/- on Myntra.com purchases until 28th February 2019.

To avail this NiYO exclusive offer, visit the Myntra Special Catalogue on the Myntra website or the “myntra-special” catalog on the app, and use the following coupon code while checking out:

NiYO Myntra Coupon Code: XXXXXXXXXXXXXXX These are the Terms and Conditions for the offer:

Get Rs 500 off on the Myntra app or website on spends of Rs 1799 or more valid till 28 Feb 2019

Valid only on a selected catalog for Niyo customers -https://www.myntra.com/myntra-special?utm_source=niyo&utm_medium=niyo Search “myntra-special” on the app to access catalog The code can be used once per Customer Maximum discounts, ie, product discount and coupon discount, are subjected to product level cap enforced by the seller This offer is not valid at any of the alliance partner retail outlets/stores Multiple coupons cannot be clubbed in a single order The balance amount, after the discount is availed, will have to be paid by the customer at the time of purchase In no case, whatsoever, can the discount amount be refunded, encashed or partly encashed Myntra's Return and Exchange Policy offers you the option to return or exchange items purchased on Myntra's application within 30 days of the receipt. In case of return of the purchased item, please refer to the “Return Policy” on the website/app or call Myntra Customer care All orders would be subject to availability at the time of purchase and will be governed by the standard terms and conditions listed on the App All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Bangalore only Disclaimers: Company is not responsible for any typographical error leading to an invalid coupon

So, what are YOU wearing on your next trip? Happy Travels! Team NiYO

For any questions or queries please drop an email to global@goniyo.com or call +91 755 617 0333

 In case of any query pls contact Saurabh (saurabhd@goniyo.com).