Digital banking: Common causes for online account opening failures

Digital applications for opening savings accounts can encounter various technical and procedural hurdles. Common causes for failure during the online process include Aadhaar-based authentication issues, such as OTP failures or mobile numbers not being properly linked to Aadhaar details.

Other frequent obstacles include mismatched personal information like names or dates of birth, interrupted Video KYC sessions due to camera or microphone permission problems, and poor internet connectivity. Technical errors on banking platforms, unsupported locations, and expired or invalid documentation can also prevent the completion of an application.

To resolve Aadhaar-related OTP issues, users should ensure their registered mobile number is active, check network connectivity, and verify that the information entered matches their KYC records. Repeatedly requesting OTPs without addressing the underlying cause may lead to temporary restrictions.