Online Banking. #WarningRantPost #NotMyBest
That’s not the topic of this post (we’ll know in a bit, I hope, if I don’t spread all over), but I guess it has to start there. In some public forum, a while ago, our Prime Minister Narendra Modi asked institutions to trust the citizens of this country. I do not recall his exact words, but this is the residue of that message: trust the citizen of this country. Self-attestation of an identity document, was to be accepted without prejudice. Verification could follow in good time. If I say who I am, accept it. Innocent until proven guilty.
I don’t know how other institutions are taking and implementing the message. I know of a Bank that just does not believe it. Make it two Banks, at least.
Oh, let’s get it out. I am facing a few bank-related issues. One bank is where my father used to work the other, ah well, let’s just call it Shitty Bank. Actually, I do not want to talk about how bad these banks are. I want to talk about how these two banks have given me a new lease of life. In spite of them being the most inefficient.
I have struggled with my reading. There’s too much of distraction. Except Facebook. Facebook decided to show me the most useless posts on my timeline; it even completely hid all posts from my friends. So, no. Not blaming Facebook. But yes, other distractions, and I have not read a book for a while. Banks to the rescue. To submit two documents to prove that I was the real me (who had not changed anything in the last seventeen years) I got to sit in an air-conditioned lounge and finished two chapters ( 68 pages, on a Kindle) while I was waiting for my token number to be called out, so that I could submit my papers only to be told, not good enough — all account holders have to submit KYC. Needless to say they did not tell me this, when they asked me to go to the branch. I had two choices: I could go ballistic, shout and scream about how inefficient they were.
Then, it struck me!
I should do this more often. I should feign allegiance to the Bank’s inefficiency and comply. I should go to the branch and sit in the lounge. It works to my advantage. Of seven counters, manned by three people, it gives me the perfect opportunity to read! This is the story of Shitty Bank.
I do care about money. Do not get me wrong. But money is not everything. Even for banks. The reason I finished reading a couple of chapters, is because I wanted to give money to the bank. Branch. Visit. Read two chapters. New Mantra.
That’s where Online Banking comes in. It doesn’t work. It’s ok to do a couple of transactions, send money from here to there. Except if you are big player. Guy with 5K in his account has to finish two chapters, waiting for his turn. Guy with 50 million can do whatever.
Banks were to be the custodians of our wealth. Help it grow and prosper. And therefore, our partners in our life. All their advertisement notwithstanding, they now control our wealth. And with a simple, “that guy is not available today” can deny us our right. I live with a trust deficit with banks. But, I have understood your game. And I will play along.
And as I play along, I’ll read, a lot. Beware.