In a case of "follow-the-consumers-where-they-are" SGBL bank is teaming up with Zomato the food app to get discounts for its young clients. After all, you need to follow the potential and existing clients where they are, and these people are on Instagram and Zomato these days. Older clientele might not get it, but the ad is not targeted towards them. After all, Zomato users will be the big account holders of the future, and if you speak to millennials which this ad is destined to, they speak in a language foreign to established, older people. Follow the money as the adage says, SGBL is doing just so! Oh and the copy was well worked on, I love that!