The RBI has rolled out its final set of rules to make digital banking simpler, safer and more transparent for customers. One of the biggest changes is that banks can no longer sign up people for digital banking without asking them first.
This means no more automatic enrolment, no hidden clicks, and no pressure to join an app or platform just to get another service. From now on, banks must take clear, informed consent before onboarding a customer to any digital channel.
The RBI says this step will help customers feel more in control of their banking choices and reduce complaints about forced digital enrolment. The guidelines also aim to make digital banking more secure by ensuring customers know exactly what they’re opting into.
Overall, the new rules put the customer at the centre, giving them the right to choose how they want to bank, without fear of being pushed into digital services they don’t want.