The HDFC-HDFC Bank merger created a financial heavyweight, but integrating mortgage legacy systems with retail banking platforms has triggered unexpected friction.
System & App Glitches:
Customers face technical latency, login failures and delayed digital transaction updates.
Net Interest Margin (NIM) Pressure:
High cost liabilities absorbed from the parent company are squeezing margins.
Customer Service Bottlenecks:
Branch integration delays have caused backlog in service requests and credit approvals.
Regulatory Oversight:
System & App Glitches:
Customers face technical latency, login failures and delayed digital transaction updates.
Net Interest Margin (NIM) Pressure:
High cost liabilities absorbed from the parent company are squeezing margins.
Customer Service Bottlenecks:
Branch integration delays have caused backlog in service requests and credit approvals.
Regulatory Oversight:
RBI keeps a close eye on systemic stability as technology migration reaches completion.
Scale brings power, but the transition phase demands operational agility to rebuild retail customer trust.
