டிஜிட்டல் பேங்கிங் இனி இப்படி தான் இருக்கும் ஜனவரி 1 முதல் புது ரூல்ஸ்

🇮🇳 New Digital Banking Rules from RBI (Effective January 1, 2026)
The new Digital Banking guidelines issued by the Reserve Bank of India (RBI) are set to come into effect from January 1, 2026. This is expected to bring some key changes in how banks provide digital services and enhance customer protection.
Here are the key features of the new rules:
Mandatory Customer Consent:
Banks must obtain Explicit Consent from the customer to avail Digital Banking services. This consent must be recorded and documented.
Linking enrollment in digital banking services to the procurement of any other facility (for example, a Debit Card) should not be made mandatory.
Transaction Alerts:
It is mandatory to send information regarding all financial and non-financial transactions to the customer's registered mobile number/email address via SMS or email.
Third-Party Products:
After the customer logs in, the bank should not display third-party products or services (including those of the bank’s group entities) on its digital platforms, unless specifically permitted by the RBI.
Transparent Information:
The Terms and Conditions for digital services must be clearly provided in a simple language (English, Hindi, and the local language).
This must clearly specify charges, procedures for freezing funds, contact details for the help center, and grievance redressal mechanisms.
New Digital Services:
For providing 'View-only' facilities (such as checking balances), banks only need to have specific IT infrastructure in place.
However, to launch Transactional Digital Banking Services, banks must obtain prior approval from the RBI.
All these changes aim to improve security, transparency, and customer control in digital banking operations.