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UBI has launch an Unstructured Supplementary Service Data (USSD) based *99# mobile application

The Union Bank of India (UBI) on 12 August 2016 launched an Unstructured Supplementary Service Data (USSD) based *99# Mobile Application for their customers for basic banking needs.
•    It was launched in partnership with National Payments Corporation of India (NPCI), the umbrella organisation for all retail payments system in the country. 
•    It can be downloaded in an android smartphone from the Google Play Store by the bank customers. 
•    It can be used even without any internet connection as it does not require any data and is available in 10 languages. 
•    It provides basic banking facilities like checking account balance, sending money, Mobile PIN (MPIN) management. 
•    Besides, it provides value added services like checking Aadhaar linked overdraft status and PMJDY account overdraft status. 
•    USSD is a GSM based technology used to send text between a mobile phone and an application program in the network. 
•    It is a protocol used by GSM cellular telephones to communicate with the service provider’s computers.