A robust banking sector is crucial to the economic health of every nation. In India, the fast-growing and competitive banking industry is being challenged by new regulations and ever-evolving customer needs. Based in Mumbai, Industrial Credit and Investment Corporation of India Bank has become a leader in its industry by strategically using technology to broaden its reach to under-served consumers in rural communities with innovative products, financial literacy outreach, and efficient modes of product delivery. Positioning itself as both technologically savvy and customer-friendly, Industrial Credit and Investment Corporation of India Bank has stayed ahead of the competition by anticipating customer requirements for secure, efficient, and seamless service. © 2016 Wiley Periodicals, Inc. © 2016 Wiley Periodicals, Inc.