Kashmir Digits

On eve of Eid many people across Jammu and Kashmir are aghast after being unable to make payments through J&K Bank mPay Delight app.

Reports received from across Jammu and Kashmir reveal that the application is down for the last many days.

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The snag is more noticeable as the customers out for shopping ahead of Eid were left embarrassed at the payment counters.

The collapse of J&K mPay at such a vital time for customers and businesses showcases inaptitude of a department and renders its claims of being innovative in digital banking as absurd.

Launched almost five years ago, the application known as MPay was introduced as an “innovation” aimed to facilitate banking needs digitally. Later in 2021, the application was upgraded to a “new” and “better” version, known as MPay Delight and dedicated to the public by the then Chairman and CEO, RK Chibber.

But as per the customers of the bank, this app mostly remains “out of the order” and completely goes “down” when there is an increased load.

“If the bank knew that they cannot manage their customer base digitally, they should have never come out with this application,” said Muneer Ahmad, a resident of Srinagar’s uptown locality. “This is an absolute embarrassment to trust this app.”

“We are compelled to use applications of other banks despite being primary account holders of JK Bank,” said a senior government officer. “They fail us at the most crucial moment.”

The failure of the application has added to the slump that Kashmir markets exhibited on the weekend.

Many private job employees also suffered as their salaries were not disbursed on time due to issues with mPay.

People React To J&K Bank mPay Failure.

A lot of people reacted online to J&K Bank mPay problems.

The “failure” to deliver has gone viral over social media platforms. “Such a shame that @JandKBank ATM services are down on the eve of Eid festivities. Its mobile app MPay is also down,” tweeted Imran Nabi, NC’s state spokesman.

Another user wrote, “When it’s the time of good business on Eid, @JandKBank fails to provide services.”

Terming the bank as “in competitive,” a user on Twitter wrote, “in era of digital world @JandKBank shows how incompetent they’re when it comes to online payment systems. I am left with few bucks in my wallet and unable to make payments.”

There were suggestions given by multiple users to “withdraw” the app from and “apologise” to the people.