Now any Client/Guest can login using either Mobile Number, Email ID, as well as client ID
If the number/email is identified as client, then it proceeds to next screen, if not, the user is sent to Account Opening/Guest Login Flow
No More hassle of complicated passwords, simply use a 4 digit PIN to login ( or fingerprint)
If the mobile or email ID is mapped to multiple client IDs, we ask the user to enter PAN
If not, the user has to enter OTP as a one time process for device verification which is sent to both his registered email as well as mobile number
For old users, who have no PIN set, we will ask for year of birth for verification and help them to set a PIN