Vijay Kumar Chandok

Financial Information Network & Operations Ltd. (FINO) was founded on 13th July, 2006 with the single objective of building technologies to enable financial institutions (FIs) to serve the under-served and the unbanked sector and also to service the technology requirements of entities engaged in servicing the bottom of pyramid customers. One of the biggest challenges in the micro banking industry is the huge amount of paperwork and human effort traditionally involved in supporting micro-transactions and credit scoring potential customers. Other hurdles include Information gap, accessibility and reach, infrastructure, illiterate populace & fool proof identity. High costs coupled with low returns did not make microfinance viable beyond a certain threshold, thus hampering growth. The company was germinated to overcome all the above mentioned hurdles and make financial services available to the unbanked. It is committed to providing a standardized and shared pan India infrastructure to Banks, Microfinance Institutions, Insurance companies and Government entities that will link clients and financial service providers across the financial spectrum, reducing costs of client acquisition and servicing across the value chain while ensuring that the basic premise of door step delivery to rural customers remains intact.

ICICI Bank UK PLC engages in the provision of retail, corporate, and investment banking services. It offers current, savings, fixed deposit, and remittance accounts. Its services include corporate banking services and syndicate loans. The company was founded on February 11, 2003 and is headquartered in London, the United Kingdom.

ICICI Bank Canada engages in the provision of full-service direct bank activities. Its services include interac e-transfer, debit card, precious metals, and safety deposit boxes. The firm also offers financial solutions to cater personal, commercial, corporate, investment, treasury, and trade requirements. The company was founded in December 2003 and is headquartered in Toronto, Canada.

ICICI Bank Eurasia LLC provides commercial and retail banking services. The company is headquartered in Moscow, Russia.

ICICI Home Finance Co. Ltd. engages in originating mortgage loans and real estate construction loans. The company is headquartered in Mumbai, India.