My entry for ICICI Bank Hackathon 2016- Proposed a mobile app with the following functionality 1) A bank account is at the crux of a user’s relationship with the bank. However, a personalized interface for the user with the bank is still not a reality. I believe this can be changed once a common medium is found. Through this, we will be able to generate highly personalized data analysis to the user for free. This can be represented as simply as a pie diagram or a bar graph. Through this, the user will be able to understand his expenses and also find ways to minimize expenses and save more money. As there is a common medium, we will also find ways for the user to save and invest in the form of discount coupons for the user’s favorite restaurant, cinema hall, etc. We can also offer him stock/mutual fund options suited to his monthly savings and encourage him/her to do more with the data. This information can be conveyed to the user in a form he is familiar with. We can also make mock pitches that contain information post-investment, mutual funds, and its effect on his savings account, etc. This helps in finding potential customers for the bank. All the information will only act as an advisory to the user and the investments/savings will be at his discretion. No such service is available right now. 2) It is simple, fast, and efficient from both the user and the vendor's point of view. Imagine being able to scan a QR on a bill to make a payment, without entering debit card details or getting redirected to a net banking website or having to open your physical wallet. Welcome to the Future J