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The Yono App: An All-Inclusive Guide Short for You Only Need One, the Yono App is a multipurpose mobile application created by the State Bank of India (SBI) with the goal of making banking and financial services easier for its users. The app was released in 2017 & has since become well-known because of its intuitive interface and extensive feature set that meets the needs of both personal and business banking. Through the Yono App, users can conveniently conduct a variety of banking operations from the comfort of their smartphones, including checking account balances, transferring funds, paying bills, and applying for loans.