• YONO user adoption: Built from scratch alongside refreshed net banking and branch portals, YONO 2.0 recently reached 4.5 crore active users and is expected to hit 5 crore within the quarter.
• Platform traffic metrics: The app maintains 99.9% availability and handles up to 2 crore logins on paydays, designed to drive engagement, generate income, and lower the bank's cost to serve.
• Self-service product integration: SBI has integrated nearly all of its subsidiary products into YONO as do-it-yourself offerings, enabling direct customer purchases and minimizing mis-selling risks.
• Commercialization and YONO 3.0: For YONO 3.0, SBI plans to explore commercializing modular digital elements to other banks while operating YONO primarily as an internal digital bank to support 65,000 to 70,000 daily new customer acquisitions.