Bank of Baroda unveils AI-powered bob World 2.0 mobile banking app

Bank of Baroda has launched bob World 2.0, an AI-powered mobile banking application featuring voice-enabled payments, personal financial management, hyper-personalisation and enhanced security. The app forms the foundation for an omnichannel digital banking ecosystem across mobile and internet platforms

Hyderabad: Bank of Baroda has launched bob World 2.0, its next-generation mobile banking application. The app was demonstrated to Department of Financial Services (DFS) Secretary Sanjay Lohiya and BoB MD and CEO Dr Debadatta Chand at the Global Fintech Fest (GFF) 2026 in Mumbai on Friday.

Representing the next phase of the Bank’s digital transformation journey, bob World 2.0, powered by AI, delivers a future-ready banking experience and lays the foundation for a unified omnichannel digital banking ecosystem that will progressively extend across mobile and internet banking channels. Built on a modern microservices-based digital architecture and designed as an intelligent financial ecosystem, bob World 2.0 delivers a smarter, more personalised, conversational and secure banking experience, a bank press release said.

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At the heart of bob World 2.0 are four key capabilities: voice-enabled payments and navigation, which allow customers to initiate transactions and access functionalities through voice commands; a comprehensive Personal Financial Management (PFM) module that enables customers to gain a holistic view of their finances and improve financial wellness; enhanced hyper-personalisation and persona-based customer experiences tailored to individual customer needs, including those of senior citizens, women, NRIs and millennials; and a multi-layered security framework that provides real-time protection.