
HDFC Bank has been one of the leading private banks operating in India since 1995. By the end of 2008, over 75% of HDFC customers used electronic channels to transact, and the technology had certain limitation in terms of its effectiveness of communication. A large number of customers using electronic channels prompted the bank to adopt better and newer technology. This was aimed not only at giving a new look and feel to the way customers communicated but also at helping in cross-selling and offering customized campaigns.