Digital payments issues
1. Some banks like HDFC insurance policies work one way. They do not respond to our communications satisfactorily at all. All replies are automated, IVR call numbers provide little relief because they are interested more in new deposits and anything else like a change of address or correction of mistakes in policy they direct to go to local branches and fill forms. Local branches mainly interested in new deposits. Young recruits are poorly informed. No senior officers are available there. Filled forms evoke little response for many queries and requests and are sometimes even returned.
2. Various Payments like arrears and reimbursements made by some employers are not notified to employees routinely by e-communications due to shortage of staff. So employees mostly trust the employers to get all their dues paid in meticulously. Difficulty in monitoring since no automated emailing or texting when payments are made except when bank is equipped for same and is authorized by customer to do so.
3. Due to various schemes difficult to understand calculations of bills by service providers like BSNL. Too complex for a customer who has hardly any contact other than through e-payments or opting e-schemes more
2. Various Payments like arrears and reimbursements made by some employers are not notified to employees routinely by e-communications due to shortage of staff. So employees mostly trust the employers to get all their dues paid in meticulously. Difficulty in monitoring since no automated emailing or texting when payments are made except when bank is equipped for same and is authorized by customer to do so.
3. Due to various schemes difficult to understand calculations of bills by service providers like BSNL. Too complex for a customer who has hardly any contact other than through e-payments or opting e-schemes more
Viewed by 1389
View all 24 comments Below 24 comments
[ ]( # ) [ ]( # )  [ ]( http://r.sigma-institute.website/mk/cl/f/ntjFM9lF7mgUB_54VCS4x4ARovNHGlttuOuAK9YIEEr0zaoIAmr9xFI284WtLgwYUBJvHkjUOJByClA4CItn2L5N4Vwh-af9iRfm_9loVAUq7P6xYqn5V8yJaqTRMh33tQIt4UXWjMkaJv3Fc8Oamx-Gixy1h4vxTDLCmgJa3hdGRhrY76PSEEF4abT5AlO4Z38sj3HAxjLTI1n6lPKzp_Tqf2_ht-a1P7P_0qy5ke541velt6II_U8VvQBZqDNRYFP0koRnhtJreHanvRZs4BePNDkvNMTwyFpj6GFiaiBHCQNj0mdgMFD27ZPEte7YDIoZr8hThMBNbEMMHSMl0yu-lwXGuHSTZoBbNg5XYhyczKb13w )  [ ]( # ) COMPUTER FOR ONLINE CLASSES [ ]( # ) [ ]( http://r.sigma-institute.website/mk/cl/f/kxdvB-Q15mfSmFPkoP6LZLVqBl3UTEU92xweKqvXmHWuQFhWIa9NEHdfr_2nb4cgFJV00LilAEmHwpTf_YCwpv1HghRBPELoY61ZqveO7k9fDIPoinBqjDdcv8rF1ApGA0qVBwhZDBsOTcBay6INQ99s0n-DS04llWO5nIC5pKs-iqBff4uhwY9KsrLC-8r6HoHtF_GCF0kUs9Yiiq9JscExSiIDxfhmOkMktVnPP3wwE_yxO-LJCPurYOjDsmjEDyJAFfUx7Ljl1edrVzW51dET9TovpoJA9N8wI3PDmkvqE6DhT0HcGY4l53A3OO6PyPIeFyAlk-m9e8A4zoIrg-bFivHZGuOEPOpshD-1nmYtP2XH-g ) [ ]( # )  For online classes we are providing a complete set of computer with UPS in following specifications: Monitor 15"; Camera & headphone CPU: 160 GB HDD, 2 GB RAM, Core 2 duo Keyboard, mouse UPS ( Electronic voltage stabilizer ) This complete set we offer pan India for Rs. 21000/- ( All inclusive ) One extra 160 GB Hard disk will be supplied free of cost within 5 years, if present becomes in sufficient. All carry "M.I.'s" 1 year warranty.    [ ]( # ) [ ]( http://r.sigma-institute.website/mk/cl/f/bhRiRQCOz4baJJcEywLAKLSfdUC98aVSzkKuA9e2jwCjFEoJL5RbSSYq6FulW8jBhNcDYTAJ9RWUwAHqLgx1_9yUm4GSJKSDz8zk6adU1u8eyXTCfqwwZsD1ZU3sQU1Nrv-qhiUn0L2YlNoxJdOlEWxfduL2dZJfQmasYiFEinVAHjkz0GyRZrkMGlrvnnT0-QaTKHaCA2SB5HTFDH9vZmClA574OWhW--NXMW2_IZu1MSt6lvKjyIydZabCjtHOf4lGdKmJYO6zoqXSIM2KWTSCKebP4gIObmchHCyNW-f4umTTsYyUbDaUK_AGsO0NgwBIQy0THuRxPXYh8BYafKDQk3CevjDqwx_HGij7Pf-H7Y2LUA ) We understand the hardships...  Hardships of the parents, hardships of teachers, hardships of every such individual who is now compelled to work from home; be it student or the the professional now computer set is must. we decided to help all such people by providing the complete set including UPS to save your machine for longer life. In comparison to laptops desktop is robust & long lasting and also cheap & best ! For getting this deal, please click the button below:  [ Button ]( http://r.sigma-institute.website/mk/cl/f/fk5qXBs1pLUktVip4PAe1vA3iPLYtYgPE5J9LrJQ1xCurW21uYOMRtxjE_0NXVp1PIBxe6Zxf-FBCdhh7m3ch7HbugYGzGfQYkopFOdCOG0CkIxn5Rv9na8U8FfWxkg1Lbm-1Pl0G5PvuZEFAfETNk1BqOWXQvqoTHiB-qBiT7UfMBDsyTpE-aZfauGvE3u5GBN1q6RBRy4cgN2kRnDUfT1OUWO7qWmm84FoF27firWq_l-imJoo3t0CvBcDrTaDscHWTFV0bQ6TK1-AjG7LSf1Eg12ziZiKn_Yqp9KRgLqRw4Zcmq3MwzWdDy4SzZ6QfxvYtaTjKzecocngF6F2MZ1kAEng2-aeqXj4mKTOAS3gZNKjXQ ) [ ]( # ) [ ]( # )  SIGMA INSTITUTE Delhi Cell: 9899075161 [ ]( http://r.sigma-institute.website/mk/cl/f/IbG8MHyoN0dK-v_9e7XTdYtTVEJ4Yp4ysOjw3e4ph7_UYZxXLBnmlechH2JRx7qzkke6AIXK_w_zrs2LbNHhdRYkKKCZWUJMSYtlMpMrkbyB7Gk1VgpY9wgBwPXTkQevLU58fKqq963JEI0mT1Lz_X0pLrBDkDVYO78kWzmCIkL2BrRB2nhyvjmlPXqmh0kM1HLyIZtT8J3LyXPvvnCot1BwrzHLNjOZ5bU_4aLv7B2wQQOFbFbWDiUN269LMULftwiFOonb-LolsgE07f0JXQIZIxVHtnOeHGwWC4uhN8msD_lyFgbpvttI-EWqOsebfCFGnGQQaQrnwObwErVYDkaRjG0rUA ) [ ]( http://r.sigma-institute.website/mk/cl/f/3RhSxVVHIqfNgeth3fJBmZs-42BjeWK7GDA4xFh0_66rhVmpdxU7kKSuxHFxHthIGKUkjQ_AaC2hmJwqPWvb1lQtcUiLql2fRwKuN95yWlp-CkSwLIhAho8VVyLoVk3KbHWInLTAmRt4EavVyrrBE51CDnY_dibbvIuPy6uyXHdpgTvJpNfX0uXyzV8VJGqUmACuH7OTt_Z3jlhGSBDtpfFpbZ-f8G0I1wf_iZyK097aoHIVUuZAQFhhsz8dAl-ea0mzMhakQ4BzwDt_sYLWwauiDxjOINozfoQdZQXXlRAS6MuKM2kDBBcJi8rQY7ykl9uaVnb2f2Xskq8_btPJ6iRVDA ) [ ]( http://r.sigma-institute.website/mk/cl/f/ZkeRCIilY7TrwZV3W3nT-BfT_0tpnGdrD-J7QJT7VhoZD-COj-ulxU8fowkC8iqw3rH_3dZC-7J4ta4IfVky11JKErhp-ue9PvpaIodcHXfyli3CG5dduS77FEkyResLzPDSToRmDtqfQLM3afTDrCXvf5WtLv5jd6dCAfaknzmTNCM4m2HA3oo0w98Svg6wXrze94iPBhIB_FbyRiVHWI6BiqRbUW4MF9TFXMMx8AYvmW20t03nUGegEJXY7Oa-YvoLkKy2hW2R3PCmtbTEmvvmK8mZfoeWCmWoSEyZ4UCur0N5dM3E8U6BNVE3qJbKwn4fol2TbENuf6RsoaTOlxI ) [ ]( http://r.sigma-institute.website/mk/cl/f/5xkrTPqqUdiOQW15Ul1sYI9_ab1eDtXb1Pzvetk2uGjrz_pr-dre_1K5Hh59fkkAtWfzyiSPcm0pD0oi_ZVHGEfBcyyLRfokNZMxE9uJG8di05JvBfB9tCnegwIxiSyGvtPT_tc9xerIqPIMEVQ_2-xP5aKsIstq_upH7kKv2LjSq1F2m6hAy_9QxybOh8sp5ZwVGYO9H_sil7nBcuWIj9fA21d0CGpgyVXdSDbIqMw0kwKkhi8vY1EE0Idhv0DS2lVoKpBNDlBcWZGv_D2M50md1FuLsuChD-KCMh7A_L7uxbKHgduxR0vdy-E0-6xccva39NTaJXS1-1vDD2pq9M9LA45q2Q8TIcBH_08 ) [ ]( http://r.sigma-institute.website/mk/cl/f/LPH1j5RVYv5nmUGsS5iutI7M1Sm2yvwijbsFgOH1j1P3V3j4HOwb38F_49RrrnXVpsSmHSpNXxCTgtpN0ZKFgevvLfOORHWLMWCBOWtoljEsKdceptt1PHNuTWgRZ--b8YSBnlHMLYAPDkQyl1jKAJ2bLeIJRtBWZkNyhBxWRYzRlkbtIlkewCqyhHwraSbt35Hy35pw1dEL7WkABfi5D8tMkamCUlpj4mx2zVIEvNzoKkCX14IrOSgmzVc3kmk5WdlWUBH8UWDEbF_fgDpvT7shLKpFaaVJQnurljBT7-Y9g1rQXAI2Y3FlGFuVYPhLXUpNmnCf4eosdU3IkP0Is_1gTy4Ngg ) [ ]( http://r.sigma-institute.website/mk/cl/f/PJNeepNpImqgLgPBcFFsixuGWVPfsgEOv9kr2Qxzy5iJCSo_El2N1jE_nWIHa7JhsVNrgNt_OsKlwfFA6CyMHjPp6XdbjquotQMqdHqDi4qpPs4MNK2wbfVrTLo0Mvevm9zwQhKJ-UtxLVyotSWYaH5ybUtx52RUCDfrdJ8P_G_f_6CckSB0SXdfBv9sUA7B8LJyGmpww3Lieq9lugdgb2o47CYgBFS_mmJ4n3X7Qv0XexqIZinWNF1lNLr5FK6wQjajNheyX6bbKqzfCS7jmpGxOFGjWg5_mrlVHfsiTh8IzJy3X2xygFx-I_fuJkYcg2j9znCt0b0kiCqdcEFSWnnMmyGm75zXz152ou73jcIv_i0GYuOx_lB_7R-8QlAK-hrITEQu3Ppsoe9f9KU ) [ ]( http://r.sigma-institute.website/mk/cl/f/hqmcQJWrihjPwU3u2qq4cHzQiu7cCZmz2We_8DlI8gue7xeQIZf3jO0mE7cBqxpAbbTp4L-NmyI-Joyyy3ImrM_rc6J-rV3Zpivtd-PkqvdeIKboKgEsFMFBkELyMfjA-dINKbGiY9_joSjc3eQsDZNltcc8gve7ST2A3LGyVIA0KX0TYl3jZYtTCwQnDax2JhxGgc8X7PRJHFPlJiaPOZb2NXtP71PjsMJ96vQ1zJuTxEO2tEBm8JKPU_Xdqg_ZXMUkHc0WFI97jcxnI2Sx6aDmuXhwkG0rlddzIaaax_tAxVSUj2x543bzt1n_kwvBQQYl0JJt_fzloJ5N_fBBP_ptUK2vVLon4kEWdw43 ) [ ]( http://r.sigma-institute.website/mk/cl/f/AB6N0D5CQ5Vb9l7hT7Jf8pXsZUqXuNgufjSwiuLTLXgF24oIfPK1-Sp6IwT10KIKaGeQ9mi9zrEyxvOO-4c0O0V3q-PCPCJPX_ThL7Gs7qqL00LSW0WDhhusWmepcA8ENxCYvhMTZgvgPUrGXrJOnQw2dGY0bgq5K38fD1h3NTf28-SFLBjxlD_U8TVtQ37a7bWHNwD0f3IOAN1bTNWxATqP5jjCANdEKz91Le-TXGfyXJx8bz4Qn_sZoMk3iA8qNimjjlWbryXcyBy7MlGswq7LyUKwf0c1IvXlpUEJxXYwEfgqcJpPaPnYPIdUEaoG4vHwCq-oefBpidkeGooc7Cgp7OlwCruqXMVN )  [ ]( # )  You received this email because you are registered with Sigma Institute  [ Unsubscribe here ]( http://r.sigma-institute.website/mk/un/Rj5Xlm4v0XAWBz1aBanfqqd6279x15Vlqe_1Vp2Waeuemk5infPSBOPGjhJiRwEBghFyQRprcFxyrSKP92bNFkU0b_9ggKOrQ0e8wtWwspEVin9-YG5CB3XgXHVLRLJ9O7QneCJhmDOxs8mkp7fJqOKbqCGjlIj87ZZgwyZQUL-g8nTqcyNoaUf9n7JPduFN3tkmfKor4Xs5EpjfZXdEmfVECDk )  [ ]( # )  © 2020 Sigma Institute  more
Oct 31
Main issue is call centers with non-trained freshers and with standardised stereo type replies given to them by organisations. If one ask more clarification, they are unable to answer and say they will raise the request to seniors. If we ask the contact numbers of PRO, Operation Manager, GM etc, the standard answer is that they do not have or they are instructed not to give. There is no mechanism to follow up the service request given to them. Every time to contact the call center for follow up of an issue, different officials attend and we need to start from scratch and every one's reply differ from others. This is the same case with email complaints also which are replied by different officials without going through the trail mails. Have bitter experience with SBI card that also for fraudulent transactions happened recently. more
Jul 09
I have the same horrible experience with Birla Sunlife. They don't respond to my queries, don't provide info about my fund value etc....Only interested in getting more/new business by fraud, misinformation, cheating..... more
Jun 14
Dear Mr. Sunil your points are valid to a great extent (but I guess they do ot pertain to digital payment issues ). I would further like to add to it of probably address some of those points: 1. there is a very clear complaint management system with each company which includes an escalation mechanism. However as rightly pointed out by you that complaint management system is very dis organized. Here probably IRDA which publishes an annual report on all insurance companies ranking them needs to make the ranking parameters more visible to the customers besides just the "claim ratio" 2. I have not insured myself and have been for the last 6 years contemplating on the same - somehow I am not confident if I insure myself would my family get what is due to them or would the insurer play the smart game of "target based claim approval". 3. Technology should be leveraged taking into consideration the vast population of India, the languages and the literacy factor besides the most important factor - human touch. Indian are more used to and shall continue to prefer "human touch" over technology with one of the prime reasons being technology to a great extent is not able to address the problems or provides solutions to customer queries/problems 4. On telecom bills...well it is better you move over to mobile since even mobile serves the purpose ...probably more than landline (especially BSNL & MTNL) where complaints go unanswered and the customer when wanting to surrender the connection has to go with the handset to the office of MTNL/BSNL. more
Jun 12
New recruits are not trained properly.This results in making crucial mistakes.Many a times Seniors are not available with the result you can not get any clarification or clear your doubt. more
Jun 12
