About the Programme:

  • Introduction
  • Programme Details
  • Eligibility
  • Judging Criteria
  • Partners
Gold Loan

The inaugural version of ICICI Appathon witnessed overwhelming participation from over 2,000 participants across the globe. With over 250+ APIs made available to participants by ICICI Bank and Programme Partners, the programme oversaw 600 solutions being developed across different categories such as Payments, Rural Banking, SMEs and insurance among others.

The event culminated with the Grand Finale in Mumbai where the top 3 winners took away cash prizes worth ₹ 2.25 million and plethora of incentives from Programme Partners. Subsequently, ICICI Bank launched 'iMobile SmartKeys', Asia’s first payment service using a smartphone keyboard in collaboration with one of the winners of ICICI Appathon in less than 100 days.

Tasting the success of Season 1, the country’s largest virtual mobile app development challenge - ICICI Appathon is back to tap into the exceptional talent in developers, technopreneurs and technology startups across the globe.

ICICI Bank invites you to explore the world of mobile innovation with the ‘ICICI Appathon’. This is a mobile solution development programme aimed at fostering the creation of new solutions in Banking and Financial Services.

Participants need to envision a new solution and use the diverse set of Financial Services APIs to create innovative minimum viable mobile solutions. The solutions that surpass the currently available solutions in the market, give a superior and intuitive experience to the end user, will compete for the top prizes in the Grand Finale.

The top three winners stand a chance to win prizes over Rs.20 lakh along with a potential engagement opportunity with ICICI Bank. They will also be given a chance to be mentored by the programme partners and get a fast track entry into NASSCOM 10,000 Startups Program. Additionally, a 3 month full-time membership for up to 2 members of the winning team will be provided across 91springboard hubs in India.

ICICI Appathon will be conducted in 3 phases:

Phase 1: Participants need to register by providing a brief summary of the idea and identify categories of APIs which will be used for creating the solution.

Phase 2: Shortlisted participants will be provided with access to all APIs on the IBM Bluemix platform and they will have to submit a video demonstrating a minimum viable solution, ICICI Bank API usage and business benefits.

Phase 3: Finalists will be invited to ICICI Bank Towers, BKC, Mumbai to present their minimum viable solution to an eminent Jury.

Registration Begins
Registration Ends
Announcement of eligible participants
Prototype development begins
Submission of prototypes
Announcement of finalists
Grand Finale
  • 17 FEBUpcoming
  • 20 MARUpcoming
  • 27 MARUpcoming
  • 28 MARUpcoming
  • 23 APRUpcoming
  • 4 MAYUpcoming
  • MAYUpcoming

All participants must adhere to the following criteria to participate in the programme:

  • This programme is open to companies and individuals.
  • This programme is also open to companies who have previously sold, licensed or otherwise provided services and/or similar solutions to ICICI Bank.
  • This is a team participation programme. You can have at most 5 members in a team.
  • This is an open theme mobile solution programme. In order to participate, the team needs to use at least one of the listed ICICI Bank APIs (Retail Banking, Corporate Banking and Treasury) on the site. Participants are also encouraged to use the Partner APIs in the Appathon.
  • You may use open source libraries available elsewhere.
  • By participating in the Appathon, you agree to the Terms and Conditions.

The Submission provided in ICICI Appathon will be evaluated on:

  • Novelty of Idea
  • Functionality
  • Business Potential and Relevance
  • User Experience
  • Scalability

Programme Partners:

Awards

1st Prize
  • INR 10 Lakh in monetary award
  • Potential opportunity to explore a commercial relationship with ICICI Bank
  • USD 10,000 per month of IBM Bluemix cloud credits for 12 months
  • USD 20,000 worth of Google cloud credits
  • USD 1,000 worth of AWS Activate promotional credits for 12 months; 2 months of business support
  • Gift vouchers worth INR 25,000 from Envestnet|Yodlee
  • Winner will be fast tracked in NASSCOM 10,000 Startups Program
  • 3-month full-time membership for up to 2 members of the winning team across 91springboard hubs in India
2nd Prize
  • INR 7.5 Lakh in monetary award
  • Potential opportunity to explore a commercial relationship with ICICI Bank
  • USD 10,000 per month of IBM Bluemix cloud credits for 12 months, subject to eligibility criteria of IBM Global Entrepreneur Program. Assured USD 1,000 per month of IBM Bluemix cloud credits for 12 months
  • USD 20,000 worth of Google cloud credits
  • USD 1,000 worth of AWS Activate promotional credits for 12 months; 2 months of business support
  • Gift vouchers worth INR 25,000 from Envestnet|Yodlee
  • Winner will be fast tracked in NASSCOM 10,000 Startups Program
3rd Prize
  • INR 5 lakh in monetary award
  • Potential opportunity to explore a commercial relationship with ICICI Bank
  • USD 10,000 per month of IBM Bluemix cloud credits for 12 months, subject to eligibility criteria of IBM Global Entrepreneur Program. Assured USD 1,000 per month of IBM Bluemix cloud credits for 12 months
  • USD 20,000 worth of Google cloud credits
  • USD 1,000 worth of AWS Activate promotional credits for 12 months; 2 months of business support
  • Gift vouchers worth INR 25,000 from Envestnet|Yodlee
  • Winner will be fast tracked in NASSCOM 10,000 Startups Program

In addition:

  • One of the finalists will get an opportunity to co-develop a proof-of-concept with Infosys Finacle. The selected winner will also gain an opportunity to showcase the co-built innovation at Infosys Confluence in San Francisco.
  • The Top 10 finalists will also receive USD 1,000 worth of AWS Activate promotional credits for 12 months
  • Keep looking at this space for more exciting award

APIs Across Categories

ICICI Bank in collaboration with its programme partners is providing a diverse set of BFSI APIs.

The list of APIs from ICICI Bank and its partners across various categories are listed below. Shortlisted participants will be given full access to all APIs with supporting documents.

For the Appathon, participants will be using test APIs hosted by ICICI Bank on the IBM Bluemix platform. During the Appathon, only test data from ICICI Bank will be used, ensuring that Customer's information remains protected.


  • Retail Banking
  • Corporate Banking
  • Treasury
  • ICICI Group
  • Partner API
  • Authenticate User - Validate user credentials and retrieve an authorisation token required for session maintenance.
  • Bank Account Summary - Retrieve a summary of accounts that are linked to the user ID.
  • Bank Account Balance - Retrieve balance information for the specified account.
  • Branch and ATM locations - Retrieve information about branch and ATM locations.
  • Transactions History - Retrieve list of transactions performed on the specified account in specified interval.
  • Behavior score - Customer Behaviour Risk score. High Risk Range: 1-30, Medium Risk Range: 31-70, Low Risk Range: 71-100
  • Loan Account Summary - Get details of loan like principal outstanding, date of loan, 12-month payment status string and type of loan.
  • Card Account Summary - Get details of card like principal outstanding, current balance, 12-month payment status string and status.
  • Get Customer Details - Retrieve debit card details like Name, Expiry date & CVV.
  • Authorize Using debit card details - During bill payment using Debit Card, card details can be used for authorization.
  • Add Credit Card to customer - Issue a credit card to the customer.
  • Change Credit Limit - Change of the credit limit available on the card.
  • Activate for overseas use - In case of overseas travel, activate the card for use in other country.
  • Block the Card - In case the card is stolen, block the card.
  • Add Reward points - Depending on the biller, add reward points on debit payments.
  • Use Reward point for bill payment - These points can be used while bill payments done with debit card.
  • Redeem Reward points - Points can also be redeemed to load Pockets wallet.
  • Transfer Funds - Transfer funds to a linked account or payee.
  • Pockets creation and linking - This is the entry point into ICICI Bank Pockets APIs and linking. Authorisation codes will be provided in response. For more details on Pockets,click here
  • Pockets balance - View the balance in a user's Pockets Wallet.
  • Pockets Debit - Debit customer's Pockets wallet and credit merchant's account.
  • Pockets Credit - Credit customer's Pockets wallet and debit merchant's account.
  • Pockets Mini Statement - View a user's Pockets wallet statement.
  • List of Billers - Default list of billers available to customer (Mobile, Electricity, Internet, Gas).
  • Add Billers - Add biller for payments with the cust id.
  • Make Bill Payment - Make a bill payment.
  • Schedule a Bill Payment - Schedule monthly bill payments.
  • Add KYC Details - Customer KYC document details can be added against the cust id.
  • Retrieve KYC Details - Retrieve the customer KYC document details basis the cust id.

Relationship Manager APIs

  • Import Summary - Get summary of all import transactions done by the corporate mapped to the Relationship Manager
  • Export Summary - Get summary of all export transactions done by the corporate mapped to the Relationship Manager
  • Limit Utilization Summary - Get actionable summaries of credit limits utilised by corporates mapped to the Relationship Manager
  • TOL Profile (Trade Online) - Returns the type of transaction initiated by the Corporate mapped to the Relationship Manager

Corporate Customer APIs

  • Authenticate User(Mobile) - Validates user credentials (username and password) and retrieve an authorisation token required for all subsequent API calls
  • Account Summary - Return the list of accounts mapped to the Corporate
  • List transactions - Get list of initiated Trade transactions by user
  • Approve/Reject transactions - Approve/Reject already initiated trade transactions
  • RM details - Get Relationship Manager details mapped to the Corporate
  • Query to RM - Raise a query to Relationship Manager mapped to the Corporate
  • View currency pairs - View the list of currency pairs for which the corporate is enrolled with all deal parameters.
  • Hit Deal - Book or reject a forex deal basis current currency pair rate for the provided parameters.
  • View booked deals - View the list and details of successful deals basis date range or deal number.

ICICI Lombard General Insurance APIs

  • Quick Quote - Get quote for a Insurance policy.
  • Quick Policy Renewal - Get renewal details of insurance policy that needs to be renewed.
  • Single view of the customer - View details of all policies, claims and interactions that the customer has with the insurance company.

ICICI Prudential Life Insurance APIs

  • Quick Quote - Get quote for a Life Insurance policy.
  • Purchase Policy - Purchase an Insurance Policy and get the details of the policy purchased.
  • View Policy details - View details of a Policy like Policy Status, Unit Statement, Pay Premium, Top Up and Premium Paid Certificate.
  • View Customer details - View customer details like segment, age, gender, marital status, Address, risk profile, premiums paid.
  • Statements - To get policy status, fund value, premium details and to generate Product Value Statement (having different type of charge and fund details)
  • Annuity - To get Annuity option chosen by policy holder, Annuity payout frequency and verification needed (Y/N) for chosen annuity type
  • Customer Data - Social listening tool which gives customer data like Email ID, Mobile Number etc for enriching lead
  • Risk Score - Risk profile checks for prospective customers. To get customer's fraud history, risk score, income, occupation, education, etc.
  • Plans - Fetch policy holder's age, average sum assured vis-a-vis the all policy holder falling in the similar income bucket range (1-5 Lac, 5-10 Lac, above 10 Lac Rs) and the shortfall amount

ICICI Securities APIs

  • Get Mutual Fund details - View the list of Mutual funds available along with complete details of each Mutual Fund.
  • Place Order (MF) - Place an order for buying/selling a selected Mutual Fund.
  • Portfolio View - View details of the current Mutual Fund holding for the given user.

Visa Developer platform provides access to Visa products and services via Application Program Interfaces (APIs) that are built on industry standards and are available for testing in an integrated sandbox, using Visa test data. This platform has documentation, test tools, and access to a variety of APIs for issuers, acquirers, merchants and software developers. You can explore these APIs at https://developer.visa.com/

Unified Payments Interface (UPI) will be offering architecture and set of APIs to facilitate the next generation of online immediate payments.

UPI will ensure every registered person in UPI, in India is able to transact securely and efficiently simply by providing virtual payment address on mobile phones, without the need of entering any other financial details.

APIs are listed at http://npci.org.in/UPI_Documents.aspx

Envestnet® | Yodlee® is the leading global financial data aggregation platform powering financial innovation in 17+ countries . Leveraging financial data from over 14,500 global sources, our financial cloud enables financial institutions, Internet innovators, and developers to rapidly develop financial applications and solutions using our market leading SaaS API platform. Envestnet |Yodlee also delivers real-time insight into consumer behaviour and preferences, empowering the creation of more personalized products, services, and advice.

Envestnet® | Yodlee® powers innovation across the globe by providing developers and startups with access to its cloud API platform and tools during the early development stage of their products. APIs for Account Aggregation and Account Verification are helping companies in India and Asia develop innovative solutions for a number of verticals including personal finance management, credit and risk management and wealth management.

We are delighted to partner with ICICI Bank for the upcoming Appathon! As an API partner we would like to offer our developer platform to developers and startups. We will also provide free promotional production API credits to the selected finalists and help them run live pilots. Our team would also offer free support and will work closely with developers to help them develop innovative solutions using our API. Detailed documentation for our API is available online at https://developer.yodlee.com/API_Resources/Integration_Guide

Frequently Asked Questions

How is the ICICI Appathon structured?

ICICI Appathon is broadly divided into 3 phases. Please take a look at the About / Programme details section to know more

Is the registration for the Appathon free?

Yes

What is the eligibility criteria?

Please take a look at the About section on homepage and Terms and Conditions registration section.

Can I register as an individual?

Yes. Individual developers as well as companies are welcome to participate in the Appathon.

Will everyone who registers be eligible to participate?

Once you have registered, we will carefully review your application based on the idea summary that you have provided. If you are selected, we will get in touch and send you the login details for IBM Bluemix, the API toolkit and all the guidance material you need.

I am not resident in India, can I still participate?

Yes, the ICICI Appathon is open to participants from all over the world. For more information on eligibility, please take a look at the Terms & Conditions.

How many people can be in my team?

Each team can have a maximum of 5 members.

What is the scope of the ICICI Appathon?

Participants will have to come up with a mobile solution using diverse set of ICICI Bank APIs. They may also use programme partner APIs as well as open source libraries available elsewhere. In Phase 1, the teams will be shortlisted basis the application. In Phase 2 they would need to submit a video of their working minimum viable solution. In Phase 3, selected participants will be invited for the Grand Finale at Mumbai.

In Phase 1, do participants need to share complete details of the solution?

Participants need to share the name of the Solution, Business problem/ use case that the solution addresses, details of how the solution solve the problem innovatively and finally benefits coming out of the solution. Finally participants should also confirm which particular ICICI Bank API category or categories they are planning to use. This information will be used to shortlist teams for Phase 2.

In Phase 2, do participants need to share a “minimum viable solution”?

Participants need to submit a video demonstrating the working of the solution, ICICI Bank API usage and business benefits. Before being declared as a finalist, participants may have to submit the working solutions.

In Phase 2, how do I submit what I have made?

You have to submit a video demonstrating the working of the prototype, ICICI Bank API usage and business benefits. This submission will have to be made on the IBM Bluemix Platform.

In Phase 2, is there any specific technology / language to be used for building up the project? Will you provide any IDE and DB for us to work on ideas?

You can develop the entire solution with the wide range of services and APIs available from ICICI Bank as well as services available on the IBM Bluemix platform. You are not restricted to any single development language or technology.

In Phase 2, do we need to build a Mobile Application?

It is not mandatory. It can be Mobile App or solution which can be accessible via mobile.

In Phase 2, do we need to have the entire idea fully working?

The entire idea need not be fully implemented. However, the prototype should be functional so that it can be reviewed by the judges.

Are the participants required to be online for the entire duration of the programme?

No, one does not need to be logged in to the ICICI Appathon website or be online for the entire duration. You will be given access to Bluemix platform to develop the solution.

If I am a finalist, where will I present on the Grand Finale?

All the finalists in India will be invited to ICICI Bank Tower, Bandra Kurla Complex in Mumbai. For international participants, remote presentation will be arranged.

In case of team, do all team members also have to be present during the Grand Finale?

It is not mandatory for all team members to attend.

Can I demonstrate my solution remotely during the Grand Finale?

The teams based in India has to demonstrate the solution in person. Only for international participants, remote presentations may be arranged.

Will ICICI Bank pay for my company / my team / my trip?

All expenses associated with participation on Grand Finale including but not limited to any flight or rail tickets, accommodation, food and beverages will have to be arranged by the participants themselves.

What should I bring to the Grand Finale?

The prototype, a brief presentation and the devices you need to demonstrate how your solution works.

What criteria will the judges use to evaluate the prototypes?

Please take a look at judging criteria under the About section.

What are the Awards?

There are different awards:

  • Monetary awards by ICICI Bank
  • Potential commercial engagement with ICICI Bank
  • Access to partner's accelerators and mentorship programs etc.

Please take a look at Awards section to know more.

What's the hashtag?

#iciciappathon - Use it on Twitter and Facebook to join the conversation.

Will there be journalists present?

Yes, the programme is open to press.

Who owns the IP on prototype we make?

Please take a look at Terms & Conditions for the intellectual property terms applicable to your mobile solution and submission.

What's the format of the demo portion of the programme?

We will give you 10 minutes to present your prototype followed by Q&A.

Will my participation be publicly showcased?

Participants acknowledge that by attending the Finale they may be photographed, videotaped and otherwise recorded and may be required to sign an affidavit and release by ICICI Bank for the use of such footage.

Can my solution be in a language other than English?

Yes, mobile solution in other Indian languages may be submitted.

I do not find an API which I would need for my development, what should I do?

You have to use at least one ICICI Bank API to be eligible. However, You can create a test API and stub it at your end for using it in your solution.

I have gone through the FAQs but I still have a question?

You can write to us on below mentioned email IDs:

Technical Support

developer@icicipathon.com

Programme format related queries

event@iciciappathon.com

Call Us: +91 80415 54695

Support available – Monday to Friday, 10 am to 6 pm

ICICI APPATHON 2016

Ten coveted startups presented at the Grand Finale during April 2016 to compete for more than INR 2.25 million cash awards and various other incentives from partners.

Top 3 winners:

1. Conversational Banking (Mohit Talwadiya, Bengaluru)

2. Smartkeys (Yethapu Parthasaradhi Reddy, Singapore)

3. Chatbot (Samyag S. Shah, Pune)

Smartkeys and Chatbot are already incorporated into ICICI Bank’s flagship mobile application, iMobile.

iMobile SmartKeys lets customers transfer funds instantly through their smartphone’s keyboard without the need to switch between applications or interrupt their chat.

• Make payments while chatting

• No need to switch between applications

• Complete transactions in few clicks

• Launched within 100 days of Grand Finale

ChatBot is a Digital Banking assistant on mobile to make banking transactions easier. Recharge prepaid devices, make bill payments and transfer funds within a few taps.

• Real time Mobile Banking assistant

• Available 24X7 anytime, anywhere

Highlights:

Winner
Conversational Banking

1st Runner Up
ICICIKey

2nd Runner Up
iBanking
Finalists
Bankjini
Cash is King!
Insurance telematics
Real-time trust-less loyalty points
PocketLend
Automatic risk & fraud management system

PayonBehalf

Contact Us

You can reach out to us if you have any queries and we will get back to you in 24 working hours.

Technical Support

developer@icicipathon.com

Programme format related queries

event@iciciappathon.com

Telephone: +91 80415 54695

Support available – Monday to Friday, 10 am to 6 pm

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