When you hear of a bank using gamification techniques to create a mobile banking app, you know that that it\u2019s a rare story. That\u2019s because you know that gamification and banks are the most unlikely couple and you know that that\u2019s what makes it interesting. And that\u2019s the story of ING Vysya Bank.The bank\u2019s mobile app, designed using gamification techniques, has already swept many of its customers off their feet. A delighted customer\u2019s review on Google Play called it \u201cthe best ever mobile banking app\u201d, while a leading newspaper wrote: \u201cIt seems like mobile banking is finally here\u201d.The unique experience, says Aniruddha Paul, CIO of the bank, was made possible with a bit of calculated risk.\u00a0 \u201cWe wanted the app to be completely different from the run-of-the-mill banking apps available today. The UXD, we thought, would be the key differentiator. Hence, we went after a company that develops games, but has never ever designed a banking app.\u201dInstead of replicating the navigation methods of Internet banking, ING\u2019s mobile app is designed contextually by placing relevant options on the screen.For example, the creative design of the balance meter in the form of a speedometer allows the users to receive alerts when there is no minimum balance in the account. A quick glance on the \u2018green zone\u2019 and \u2018red zone\u2019 of the speedometer gives you an idea whether you are getting \u2018richer\u2019 or \u2018poorer\u2019. Interestingly, the app lets customers check their balance without even logging in. But users won\u2019t have to worry about their critical information being exposed. \u201cTo ensure security, the devices on which the app gets downloaded are finger-printed. The app can\u2019t be downloaded to more than two devices. In the event of losing the device, the customer can call up the bank and immediately wipe off the app. Besides, the customer can actually choose whether he wants the balance meter to be displayed or not,\u201d says Paul.Users can even scan a cheque and save the image in the app for future reference. A distinctive approach makes the app interactive, intuitive, visually delightful\u2014and secure.In a nutshell, the app facilitates true end-to-end banking, including closure of a fixed deposit.This holistic experience wouldn\u2019t have been possible without a rock solid back-end IT infrastructure and that was the first thing Paul ensured. \u201cThe world of digital provides a level playing field to a mid-sized bank like us and enables us to compete with much bigger banks that have thousands of branches. While the mobile app was a major front-end initiative, we simultaneously took up key projects like legacy modernization and private cloud at the back-end,\u201d says Paul.Though ING Vysya is the 24th largest bank in India, it is among the top 10 when it comes to overall money being processed through mobile banking. This is within six months of launching the new mobile app. Now that the bank is fully digital-ready, Paul and his team have embarked on a whole lot of digital initiatives like a Facebook app that lets you transact and an app that works on smart watches.\u00a0Banking and gamification aren\u2019t that unlikely a couple after all!The world of digital provides a level playing field to a mid-sized bank like us and enables us to compete with much bigger banks that have thousands of branches.