PC Shivan

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✨ Music Composer | AI Filmmaker | Content Creator | Join the adventure! ✨

[PC Shivan @pcshivan]

@LGIndia Here is today’s video update FYI!

[PC Shivan @pcshivan]

Extremely disappointing service again. Another LG AC, Same Result from LG service, within 1 yr (chk prev post). 5 star Inv with PCB issue less than 3 yrs old, possible warranty claim. Technicians repeatedly cancelled, misled & delayed! @LgcaresS @LGIndia @LGUS @LGIndiaConnect

[PC Shivan @pcshivan]

@LgcaresS
@LGIndia
@LGUS
@LGIndiaConnect Just replying in twitter doesnt solve my problem! FYI

[PC Shivan @pcshivan]

Your team identifies comm error CH 05, but again mislead saying its a wiring issue without even opening the unit or checking the wiring. They say another team will come to fix it. Feeling all this is to avoid warranty claim of your faulty PCB board! Pathetic!

[PC Shivan @pcshivan]

@LGIndia https://t.co/2KYRzRJVDC

[PC Shivan @pcshivan]

Your team identifies comm error CH 05, but again mislead saying its a wiring issue without even opening the unit or checking the wiring. They say another team will come to fix it. Feeling all this is to avoid warranty claim of your faulty PCB board! Pathetic!

[PC Shivan @pcshivan]

Your team identifies comm error CH 05, but again mislead saying its a wiring issue without even opening the unit or checking the wiring. They say another team will come to fix it. Feeling all this is to avoid warranty claim of your faulty PCB board! Pathetic!

[PC Shivan @pcshivan]

@LGIndia I have sent a DM with the details. Thank you!

[PC Shivan @pcshivan]

@LGIndia @LGUS @LgcaresS @LGIndiaConnect Please reply! I will DM the details for your speedy action @Chennai, India

[PC Shivan @pcshivan]

@LGIndia I have sent the details by DM. Pls take immediate action!

[PC Shivan @pcshivan]

Extremely disappointing service. Booked a call and trying to follow up for the last 1 week for my 2 yr old Split AC(5 star Inverter with PCB issue) warranty claim. Technician deliberately misleading and delaying! @LgcaresS @LGIndia @LGUS @LGIndiaConnect

[PC Shivan @pcshivan]

@LGIndia @LGUS @LgcaresS @LGIndiaConnect Please reply! I will DM the details for your speedy action @Chennai India

[bankpediaa @bankpediaa]

Digital Banking in India - The Promise vs. The Reality

Digitization is often celebrated as the biggest achievement of modern banking in India.
From international forums to election speeches, we repeatedly hear:
- Loan processing is fully digital.
- Cheque clearing is digital.
- Life certificates for pensioners are digital.

It sounds like a revolution — fast, transparent, tech-enabled banking.

But here is the reality from the ground, spoken by someone who sits at the bank counter every day:

What is called “digital”… isn’t actually digital

In most cases, banking isn't truly digital.
Instead of real data entry into structured systems, what we often do is:
- Scan documents
- Re-scan them when the system rejects
- Upload images
- Wait for a backend team to manually process them later

This is not digitization. This is manual work wearing a digital mask. Instead of saving time — it's taking more time.

What used to take one minute at the branch can now take:
- Hours
- Days
- Sometimes weeks

Cheques that should clear faster get stuck.
Loan approvals drag endlessly.
Life certificates fail to upload, causing stress to elderly pensioners.

And the worst part?
Even we, the bank officers have no visibility into where your file is stuck or how long it will take.
There is zero transparency.

Why does this happen?
Because digitization instructions usually arrive like this:

“Start doing this digitally. Effective immediately.”

No clear process.
No training.
No proper software readiness.
No technical support.

And when branch staff raises concerns?

❌ No response from controlling offices
❌ No guidance from departments
❌ No help from ministries

Yet full accountability sits on one person:
The bank officer at the counter — the one interacting with customers.

If something fails, it is our fault. The system over-promises to the public

Customers are told:
“Everything is digital now — it will be fast.”

But in reality, we sometimes cannot even tell you basic timelines, because the system itself is unclear.
So you get frustrated.
You feel cheated.
You blame the person you see — the bank employee.

Who pays the price for this broken model?
You — the customer
and
Us — the bank staff

You face delays.
We face blame, stress, and disciplinary threats for issues we do not control. Digitization should empower not burden

True digital banking means:
1. Real-time processing
2. Clear tracking of applications
3. No duplication
4. Proper training
5. Transparent systems
6. Accountability at every level

Until that happens, what we have today is not digitization.

It’s document scanning with marketing slogans attached.

A humble request from those on the front line

We are proud to serve the public.
We want India to be truly digital.

But please know — if your cheque, loan, or certificate takes time,
it’s not because we don’t care.
It’s because the system isn't fully built yet.

And often, the people sitting at the counter are just trying their best to manage a broken process no one wants to acknowledge.

Post By Rukhsaar
Team Bankpediaa

[PC Shivan @pcshivan]

@UnionBankTweets I received the below msg which is basically an apology with no promise on next steps or expected time of resolution. The fact that you are replying at least on X as opposed to the customer care/redressal portal gives some solace. Still need to see action and not just apologies!

[PC Shivan @pcshivan]

@NPCI_NPCI Are you a real person or a twitter bot? I have this doubt since these template responses look like being coded by a bot!

[PC Shivan @pcshivan]

@NPCI_NPCI @dheerajvarkhade @NPCI_NPCI Are you a real person or a twitter bot?

[PC Shivan @pcshivan]

@UnionBankTweets Already submitted multiple grievances. No proper response. I’m only getting apologies to my tweets. No reply from concerned banking staff or backend customer support team. Everyone is clueless! Please resolve this mess!

[PC Shivan @pcshivan]

@NPCI_NPCI It’s been 20 days and still cheques not cleared. Cheques showing accepted in bank’s system but amount still not processed and credited. The whole system is a mess. Please contact Union Bank of India, Chennai KK Nagar branch and sort out all pending cheques waiting for clearing!

[PC Shivan @pcshivan]

@UnionBankTweets Grievance ticket ID 31318512
Date : 14 Oct 2025