A great example of a central bank using technology is Reserve Bank of India, whose banking ombudsman has an online form which is quite user friendly.
You can see the form here-
https://reservebank.org.in/BO/compltindex.htm
The form, which has very simple drop downs for segmenting, adequate linking to relevant policy for easy checklist of complaint.
So if your bank hid an extra line in the fine print , or deducted an extra emi as additional charges or just plain acted as in violation of Code of Conduct (there are 18 defined clauses), you can use this link to submit a complaint conveniently.
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