Filing a complaint meant navigating a portal most Tier 2 and 3 customers were not equipped to navigate.
For millions of bank customers in Tier 2 and Tier 3 cities, filing a grievance meant going online, finding the right portal, following a multi-step form, and submitting it correctly. Most couldn't. Low digital literacy, no smartphones, and no familiarity with digital flows meant legitimate complaints simply went unfiled. RBI Innovation Hub needed one grievance protocol that every regulated bank could plug into—and that worked for the customer who's never opened an app in their life. We built it as a voice chat.
