In an exclusive conversation with Siddharth Zarabi, Editor, Business Today, SBI Chairman CS Setty shared insights on the future trajectory of 'YONO 2.0,' the next iteration of the State Bank of India's flagship digital platform. Highlighting the revolutionary impact of 'YONO 1.0,' Setty emphasized how it transformed banking by integrating marketplace features, non-banking financial services, and seamless customer journeys. He elaborated on the vision for 'YONO 2.0,' stating that while mobile continues to dominate as a powerful device, the platform will expand beyond mobile offerings. It aims to unify customer experiences across channels, including branch services, internet banking, and feet-on-street operations. The focus is on creating a seamless, omnichannel experience where customers can begin a transaction on one platform and continue it seamlessly across others. Setty also stressed the importance of reimagining brand journeys, integrating contact center operations, and leveraging desktop banking to ensure an interconnected and efficient banking ecosystem. YONO 2.0 is poised to redefine digital banking by breaking down silos and creating a unified experience for customers.