No OTP generation
Inspite of typing the user ID, tried multiple times but OTP is not generating. What is the use of this app if it does not work properly
Crashes all the time
Whenever i open this app for otp before showing the otp it crashes. I opened current account for my business transactions. But cant use because of this problem and had to move to other bank
U token
Not able to download on iOS hi one 14 plus . Worst app . No support
Does not work
I downloaded this to be able to get a token for some banking app work I needed. It refuses to login and this app keeps crashing and quitting.
Can’t able to deregister
Unable to use properly in every time and not able to de-register
Not working
Generates otp but the otp when entered in the portal gives an error saying please enter valid token.. and when we call the call center they will ask to branch to fix it ..pathetic service
Utoken Facility Stopped By UBI
Union Bank of India, one of the leading nationalized banks in India, has historically been known for introducing digital advancements like U-Token, which offered a secure and convenient alternative to SMS-based OTPs for banking transactions. However, the recent abrupt discontinuation of the U-Token facility without any prior notice to customers raises serious concerns about the bank’s approach to customer service and communication.
Lack of Communication and Transparency
A crucial aspect of modern banking is proactive communication with customers, especially when it involves changes to security protocols or digital services. The sudden shift back to SMS-based OTPs, without an official announcement or explanation, reflects poorly on Union Bank’s transparency. Customers relying on U-Token for secure and seamless transactions are left confused and inconvenienced.
Security Implications
U-Token was introduced as a more secure authentication method, mitigating risks associated with SMS-based OTPs, such as SIM card cloning and phishing attacks. The decision to revert to SMS OTPs raises questions about the bank’s commitment to customer security. If the feature was discontinued due to technical issues or policy changes, the bank should have communicated the reasons to instill confidence in its customers.
Customer Inconvenience
For many customers, the U-Token facility was a preferred method for transaction authentication. Its discontinuation has disrupted their banking experience, forcing them to revert to a less secure and, in some cases, unreliable system. This lack of consistency undermines trust in the bank’s digital initiatives.
No Official Declaration
In the digital age, customers expect real-time updates on service changes through emails, SMS alerts, or website notifications. The absence of any formal communication or declaration regarding the discontinuation of U-Token is unprofessional and indicative of poor customer management practices.
Recommendations for Improvement
Transparent Communication: The bank must ensure timely and transparent communication regarding changes to its services, especially those impacting customer security or convenience.
Customer-Centric Approach: Decisions affecting customer experience should be taken with adequate consideration of their needs, with alternative solutions readily available.
Public Notifications: Service changes should be communicated through multiple channels, including SMS, email, the bank’s website, and social media platforms.
Accountability: The bank must provide reasons for such changes and clarify whether they are temporary or permanent to avoid confusion and maintain trust.
Conclusion
Union Bank of India’s abrupt discontinuation of the U-Token facility highlights significant gaps in its customer service approach. As a nationalized bank with millions of customers, it bears the responsibility to uphold transparency, security, and consistency in its operations. Moving forward, the bank must prioritize customer communication and engagement to restore trust and align its services with the expectations of its digital-savvy clientele.
This incident serves as a wake-up call for the bank to refine its customer relationship management strategies and ensure that such oversights are not repeated.
Lack of Communication and Transparency
A crucial aspect of modern banking is proactive communication with customers, especially when it involves changes to security protocols or digital services. The sudden shift back to SMS-based OTPs, without an official announcement or explanation, reflects poorly on Union Bank’s transparency. Customers relying on U-Token for secure and seamless transactions are left confused and inconvenienced.
Security Implications
U-Token was introduced as a more secure authentication method, mitigating risks associated with SMS-based OTPs, such as SIM card cloning and phishing attacks. The decision to revert to SMS OTPs raises questions about the bank’s commitment to customer security. If the feature was discontinued due to technical issues or policy changes, the bank should have communicated the reasons to instill confidence in its customers.
Customer Inconvenience
For many customers, the U-Token facility was a preferred method for transaction authentication. Its discontinuation has disrupted their banking experience, forcing them to revert to a less secure and, in some cases, unreliable system. This lack of consistency undermines trust in the bank’s digital initiatives.
No Official Declaration
In the digital age, customers expect real-time updates on service changes through emails, SMS alerts, or website notifications. The absence of any formal communication or declaration regarding the discontinuation of U-Token is unprofessional and indicative of poor customer management practices.
Recommendations for Improvement
Transparent Communication: The bank must ensure timely and transparent communication regarding changes to its services, especially those impacting customer security or convenience.
Customer-Centric Approach: Decisions affecting customer experience should be taken with adequate consideration of their needs, with alternative solutions readily available.
Public Notifications: Service changes should be communicated through multiple channels, including SMS, email, the bank’s website, and social media platforms.
Accountability: The bank must provide reasons for such changes and clarify whether they are temporary or permanent to avoid confusion and maintain trust.
Conclusion
Union Bank of India’s abrupt discontinuation of the U-Token facility highlights significant gaps in its customer service approach. As a nationalized bank with millions of customers, it bears the responsibility to uphold transparency, security, and consistency in its operations. Moving forward, the bank must prioritize customer communication and engagement to restore trust and align its services with the expectations of its digital-savvy clientele.
This incident serves as a wake-up call for the bank to refine its customer relationship management strategies and ensure that such oversights are not repeated.
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Worst app
This should be kept as the top 1 in the worst apps list. It just crashes. It is not allowing to copy the 6 digit number.
App is crashing
Immediately after login app is crashing, tried multiple times but no use unable to use corporate banking
Utoken not showing
Recently tried using net banking and the app closes without showing the number. Reinstalled but still same issue
App crashes
App doesn’t not open
New version is crashing
Last night the new version was uploaded , after update the app crashes on launch
Worst app
Not working at all after the recent update. Just crashes whenever you try to open it. No other way to do transactions as they have no option of otp. They should arrange alternatives for this
Not working
From last few days app is not working.
U token app
Horrible app ..
Always fails .. fed up off this bank and its network..
I haven’t seen such bad service in banking and recommend everyone not to go union bank
Always fails .. fed up off this bank and its network..
I haven’t seen such bad service in banking and recommend everyone not to go union bank
IOS 18 App not working
The app has stopped working after IOS18 upgrade, getting error please update via App Store but there is no update available.
I Token on IOS 15.x
Using it for almost two years. Works well but when it asks to upgrade and after upgrade it doesn’t work. I need to delete the app and reload and keep fingers cross till it works. But now for 15 days the pp closes immediately after generating token showing ****** for a fraction of second. As a result not able to use Net Banking. Pls look into it and resolve. Thanks
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Not working
App not working. Crashing on itself before even getting launched. For more than a week, company’s transactions are very very difficult. Please take this is as a serious concern.
U token App Crash
This app crashes a lot. I am unable to transfer any money because of it. It feels very outdated as its only work is to generate an OTP kind of a unique number and this app is also crashing. Very Disappointing.
App not working, can’t do transactions
Today 16 Sep app asked me update the application, I updated. Now filling all information user , mPin and when click then just within a second app by self closed. Again trying again same problem. Pls fix asap
