Its a nice app stsrted by icici bank.
Named as pockets by icici bank.
So basically the concept is that now you dont have to issue a debit card from bank to do the transactions online
You can also make transaction by online debit card thst means you have the details of the card like card number valid from date. Cvv and all.
Adding fubd is very eesy either you do neft from other bank or deposit by other debit card or deposit cash in nearest icici branch