#iMobile Pay

[gitakartecommerce]

ICICI Bank: The Digital Banking Revolution That Transformed India’s Financial Landscape-2025

Introduction: The Pillar of Modern Indian Banking ICICI Bank, India’s second-largest private-sector bank, is synonymous with innovation, inclusivity, and digital-first banking. From pioneering internet banking in the 1990s to launching AI-powered virtual assistants today, ICICI has redefined how millions of Indians save, invest, and transact. This deep dive explores ICICI Bank’s journey, its…

[arenafincorp432]

How to Check Your ICICI Car Loan Application Status: A Complete Guide

Applying for a car loan is one of the most exhilarating steps while aiming to possess your own favorite vehicle. Did you recently apply for a loan through ICICI Bank? Well, then it is very likely that you will be eager to keep themselves apprised of your Loan Application status with the bank concern.

Checking your Loan Application Status is simple with the ICICI Bank network. You do not have to limit someone; you will oftentimes find many queries that have been simply answered when you begin your approach to doing it. This guide will walk you through the entire process to make your experience easy. At the same time, if you have applied for any types of loans with Arena Fincorp, the following provides you information on how to track your Loan status with them as well.

Check Your ICICI Car Loan Application Status in a Smart Way

It is important to know the loan application arrangement which will help you plan well ahead with your finances. Get an organized flow of things in case there are any bad documents to be served as soon as possible. You can know when loan apps will be approved and disbursed. That ICICI car loan application status can be checked through multiple means.

Ways to Find the Status of Your ICICI Car Loan Application

1. Online from the Official ICICI Bank website

It is one of the fastest ways in which you can check out your ICICI car loan application status from its official website. Here is how:

Access the ICICI Bank Loan Tracking Page.

Use ICICI Loan Application Number or Reference Number.

Facilitate your registered Date of Birth.

Input your solitary registered Mobile Number.

Click the 'Submit' tab for a quick view of the details of your application status.

It has instant status facilities-open to get today's information about loan applications.

2. Via ICICI Bank Mobile App

The ICICI Bank Mobile Bank was a free solution to understanding precisely the status of your ICICI car loan application.

Download the ICICI Bank iMobile Pay App from Google Play Store/Apple app store.

You can log in using your user name and password.

Link to Loans.

Display your application details by which you can track your status. 

It is convenient to operate with the mobile app.

3. Faced with ICICI support services

If you'd rather speak with the team, you can follow up on your ICICI car loan application with a phone call to ICICI's customer center.

Call 1860 120 7777 (serviced in India only).

Follow the IVR’s commands and select the option to check the loan status.

Talk to your executive and give your application number.

Stay updated with what's goes on with your loan application.

4. At boulevard of ICICI Branches

You can also file your due loan application with Arena Fincorp or at any of the branches of ICICI Bank and have the privilege of going to any of the branches of ICICI Bank near you to check your loan status even after applying.

Include your application number and any proof of your identity.

If you can, talk to one of their representatives in the loan department.

They will call you up after seeing your application and give you the latest details about the loan.

5. Reviewing status through email.

Another less common option is to write a letter to ICICI Bank's loan department with the question about your application for an ICICI car loan.

Write an email to the 3rd party lender that also appeared after your online supplier selection process.

Input your application number, your mobile number, and your full name in the email.

Send it to customer.care@icicibank.com.

An appropriate response will be given within a day and a half.

Check ICICI Car Loan Status at Arena Fincorp

The process is unchanged if you applied for your ICICI car loan from Arena Fincorp. Arena Fincorp provides such services that an applicant can inquire with their customer support team.

Application within Arena Fincorp: How to Check it?

Reach – Contact the Customer Support team at Arena Fincorp – Call and provide details about the loan application.

Login to the Arena Fincorp site – Use the credentials used to fill the application form and check for the loan status.

Support – Forward an email to the customer support team of Arena Fincorp along with the loan details.

In Arena Fincorp, the client works especially for him, ensuring the loan application process is followed.

Common ICICI Car Loan Status Updates

To determine your ICICI auto loan status, check for the following notifications:

Application Received: This is the processing status for all applicants and means the bank already got what it needs from you.

In Process: This status means the bank is conducting an assessment of your application details.

Approved: As the term suggests, a simple note that confirms approval.

Disbursed: Money is finally transferred to your account.

Rejected: Application declined with poor luck. You may choose to reapply or at least get missing requirements.

What to Do If Delayed in Loan Application?

If it takes too long for the ICICI status of your auto loans, do the following:

Call ICICI Bank or Arena Fincorp Customer Services: Follow-up for an Update.

Most Probably: Totally due to the absence of a certain report elsewhere.

Check Credit Score: Check if your credit rating satisfies ICICI Bank standards.

Visit the Branch: Visit their branch in person to work out more technical issues.

CONCLUSION :

Keep track of the status of your ICICI car loan application to make sure things progress smoothly. You can track multiple ways, such as online banking, mobile apps, customer care, and direct visit. For Arena Fincorp customers, their customer service team would also be helpful in checking your status. Being vigilant about the progress of your loan and closing the required formalities means you are just about ready to drive off in your new dream car. If you feel that the process is being hampered, ask ICICI Bank or Arena Fincorp for follow-up. 

By remaining proactive, you can ensure hassle-free car loan processing to approval.

[medrec-tech]

The Role of Mobile Solutions in Financial Services | MedRec Technologies

The financial services industry has undergone a remarkable transformation, thanks to advancements in mobile technology. With the increasing adoption of smartphones and mobile apps, financial institutions are leveraging mobile solutions to enhance user experiences, improve accessibility, and streamline operations. These solutions are not just meeting customer expectations; they are shaping the future of the financial sector.

At MedRec Technologies, we recognize the pivotal role mobile solutions play in driving innovation and efficiency in financial services. In this blog, we’ll explore how mobile technology is revolutionizing the industry and the benefits it offers to both institutions and customers.

1. Mobile Banking: Banking at Your Fingertips

Mobile banking apps have redefined how customers interact with their financial institutions. From checking account balances to transferring funds and applying for loans, mobile banking offers unparalleled convenience.

Key Features of Mobile Banking:

24/7 Access: Customers can perform banking activities anytime, eliminating the need to visit physical branches.

Secure Transactions: Advanced security features like biometric authentication and encryption ensure user safety.

Personalized Insights: AI-powered apps analyze spending habits and offer budgeting advice tailored to individual users.

Example:

Apps like HDFC Bank’s PayZapp and ICICI Bank’s iMobile Pay provide seamless experiences, making banking effortless and accessible.

2. Mobile Payment Solutions: Faster and Safer Transactions

Mobile payment solutions have gained immense popularity, enabling users to make transactions quickly and securely. Platforms like Google Pay, Apple Pay, and Paytm have revolutionized digital payments.

Benefits of Mobile Payments:

Contactless Transactions: Especially relevant post-pandemic, mobile wallets offer a safe and hygienic payment option.

Global Reach: Mobile payment apps support multi-currency transactions, empowering global trade.

Integration with Loyalty Programs: Retailers and businesses integrate payment apps with reward systems to boost customer loyalty.

Impact:

According to Statista, the global mobile payment market is expected to reach $12.06 trillion by 2027, highlighting its significance in financial services.

3. Mobile Solutions for Investment Management

Investment management has become more accessible, thanks to mobile apps that simplify trading, portfolio management, and financial planning.

Features Driving Adoption:

Real-Time Trading: Apps like Zerodha and Robinhood enable users to buy and sell stocks in real time.

Portfolio Tracking: Investors can monitor performance across multiple asset classes, including stocks, mutual funds, and cryptocurrencies.

Educational Resources: Many apps provide tutorials and market analysis to help users make informed decisions.

Example:

The Groww app in India has gained popularity for its user-friendly interface and comprehensive investment options.

4. Financial Inclusion Through Mobile Technology

Mobile solutions have been instrumental in promoting financial inclusion, especially in developing countries. By providing access to banking and financial services, mobile technology empowers unbanked and underbanked populations.

Key Initiatives:

Mobile Wallets: Services like M-Pesa have revolutionized money transfers in Africa, enabling users without traditional bank accounts to access financial services.

Microloans and Insurance: Mobile apps offer small loans and insurance policies to underserved communities, fostering economic growth.

Digital KYC (Know Your Customer): Simplified onboarding processes through mobile apps reduce barriers to financial access.

Impact:

The World Bank reports that mobile technology has contributed to a 69% increase in global financial account ownership between 2011 and 2021.

5. Mobile Cybersecurity in Financial Services

As financial transactions move to mobile platforms, ensuring data security is paramount. Financial institutions invest heavily in mobile cybersecurity to protect users from fraud and cyberattacks.

Key Security Measures:

Biometric Authentication: Fingerprint and facial recognition add an extra layer of security.

End-to-End Encryption: Protects sensitive data during transmission.

Fraud Detection Algorithms: Mobile apps monitor unusual activities and alert users of potential threats.

Pro Tip:

Financial institutions should regularly update apps and educate users about cybersecurity best practices to minimize risks.

6. Mobile Analytics for Personalized Customer Experiences

Data analytics integrated into mobile apps enables financial institutions to understand customer behavior and offer personalized services.

Examples of Personalization:

Budgeting Tools: Apps analyze spending patterns and recommend saving strategies.

Tailored Offers: Credit card apps provide personalized offers and rewards based on user preferences.

Customer Support: Chatbots integrated into mobile apps offer instant assistance, enhancing user satisfaction.

Example:

The Axis Bank Mobile App uses analytics to suggest financial products that align with customer needs, driving higher engagement.

7. Mobile Lending and Credit Solutions

Mobile apps have simplified the process of applying for loans and credit. With minimal documentation and quick approvals, these solutions cater to both individuals and businesses.

Key Advantages:

Instant Loan Disbursal: Platforms like KreditBee offer personal loans within minutes.

Credit Score Tracking: Apps provide insights into credit health, enabling users to improve their scores.

Small Business Loans: Mobile platforms like LendingKart support SMEs with fast and flexible financing.

Impact on Businesses:

Mobile lending solutions reduce processing times, enabling businesses to access funds quickly and capitalize on opportunities.

8. Blockchain and Mobile Solutions in Finance

Blockchain technology is increasingly integrated into mobile financial solutions, offering enhanced security, transparency, and efficiency.

Applications in Mobile Finance:

Decentralized Payments: Mobile wallets like Trust Wallet allow users to make secure cryptocurrency transactions.

Smart Contracts: Automate processes such as loan approvals and insurance claims.

Cross-Border Transactions: Blockchain reduces the cost and time of international payments.

Future Potential:

As blockchain adoption grows, mobile solutions will play a central role in expanding its applications in financial services.

Why Mobile Solutions Are the Future of Financial Services

Mobile solutions are not just a convenience; they are a necessity in the fast-paced world of finance. Here’s why:

Accessibility: Mobile apps bring financial services to users in remote and underserved areas.

Speed: Transactions and approvals happen in seconds, meeting the demands of modern customers.

Innovation: Features like AI-driven insights and blockchain integration keep the industry at the cutting edge.

Conclusion

Mobile solutions are transforming the financial services landscape by improving accessibility, enhancing security, and delivering personalized experiences. At MedRec Technologies, we are dedicated to developing innovative mobile solutions that empower financial institutions to stay ahead of the curve.

As the industry continues to evolve, embracing mobile technology is no longer an option but a necessity for businesses seeking growth and customer satisfaction.

Are you ready to revolutionize your financial services with cutting-edge mobile solutions? Partner with MedRec Technologies today to create a future-ready platform tailored to your business needs.

[shivayrankar]

How to Send Money online with the iMobile app

Whether you're sending money to a friend, paying rent or transferring money within your bank accounts, our app simplifies the process every step of the way. So set aside your fund transfer hassles and try iMobile right away!

[jasbir675]

ICICI Bank Credit Card Payment Online offers multiple convenient options for customers. Whether it's through internet banking, the iMobile Pay app, NEFT, or auto-debit, ICICI Bank Credit Card Payment Online ensures quick and hassle-free bill payments. Enjoy secure transactions and flexible payment methods with ICICI Bank's online services.

[theleadersglobe]

ICICI Bank Facilitates Seamless UPI Payments for NRI Customers Across 10 Countries

ICICI Bank’s recent collaboration with the National Payments Corporation of India (NPCI) introduces an innovative solution, enabling Non-Resident Indian (NRI) customers to utilise their international mobile numbers for instant UPI payments in India. This groundbreaking service caters to NRIs residing in 10 countries, including the USA, UK, UAE, and Canada, enhancing banking accessibility and convenience across borders.

Streamlined Process for NRI UPI Payments

With this initiative, NRI customers can effortlessly conduct various transactions, including utility bill payments and e-commerce transactions, using their international mobile numbers linked to their NRE/NRO bank accounts with ICICI Bank in India. Leveraging the bank’s mobile banking app, iMobile Pay, NRIs can now activate the UPI facility on their international mobile numbers seamlessly, eliminating the previous requirement of registering an Indian mobile number for UPI payments.

Read More:(https://theleadersglobe.com/money/icici-bank-facilitates-seamless-upi-payments-for-nri-customers-across-10-countries/)

[edrupt1]

ICICI Bank –  Record-breaking growth in digital and payments platform

ICICI Bank –  Record-breaking growth in digital and payments platform

Suggested Title: 

ICICI Bank Q3 Results: Net interest income grew by 13.4%

Sector Outlook – Positive

In Q3FY24, ICICI Bank showed solid performance with its Net Interest Income reaching Rs. 18,679 crores, a 13.4% increase compared to last year. 

Its operating profit before provisions also rose by 10.9% to Rs. 14,724 crores. However, the bank had to set aside more money for potential losses (provisions), which jumped to Rs. 1,049 crores due to new regulatory requirements for investments in alternative funds. 

Despite this, the bank’s profit for the quarter still managed a 23.6% year-over-year increase, reaching Rs. 10,272 crores. Its interest margin slightly declined, and the ratio of bad loans (Gross NPA) improved, indicating better loan quality. 

One major expense was a one-time payment for retirement benefits. The bank’s total deposits grew by 18.7% to Rs. 13,32,315 crores, and loans increased by 18.5% to Rs. 11,53,771 crores, showing strong growth especially in business banking and SME sectors. However, the proportion of low-cost deposits (CASA) decreased compared to last year.

Key Concall Highlights

ICICI Bank’s goal is to increase profits before taxes, focusing on customer needs across different sectors.

Personal loan growth was slower in Q3FY24 due to higher loan pricing, tighter lending criteria, and reduced sourcing costs.

New defaults occurred in retail, rural, and business banking, but didn’t significantly impact total bad loans thanks to improvements in corporate and SME loans.

Profit margins from lending (NIM) faced pressure but were balanced by additional income from tax refunds.

Non-interest income, including dividends from ICICI Securities and other investments, showed significant annual growth.

Operating expenses rose due to increased sales and marketing activities during the festive season.

The bank aims to maintain profit margins at FY23 levels, anticipating a slight decrease in NIM in Q4FY24.

Changes in term deposit rates are expected to impact profits in Q4FY24 and Q1FY25.

Management has implemented stricter measures for unsecured loans, such as increasing prices, rationalising sourcing costs, and tightening lending standards.

Valuation and Outlook

ICICI Bank, one of India’s major private banks, had a strong performance in the third quarter of the fiscal year 2024. Despite some challenges with profit margins from lending (NIM), the bank did well due to its fee income, beating profit expectations. The bank managed to reduce its provisions for bad loans thanks to fewer new defaults and a good approach to risk. A key achievement was attracting over one crore customers from other banks using its digital platform, iMobile Pay. The bank has been focusing more on attracting deposits lately. While its loan quality looks stable for now, there might be some concerns about potential loan defaults in the future, but the bank’s strong lending history suggests this won’t be a major problem. ICICI Bank’s strategy includes expanding its services in rural areas and using its large network of branches and ATMs for more product sales, which should keep its profits high. With a Return on Assets (RoA) within the expected range, the bank is positioned for double-digit growth. In case of any pressure on revenue, the bank might reduce its operational expenses to maintain profitability, but this could mean losing some market share due to stiff competition in the banking sector.

[viralbake]

https://www.viralbake.com/step-by-step-guide-for-icici-bank-customers-for-opening-a-fixed-deposit-via-imobile-pay/

[scribblelustslut]

"sometimes the price to pay for excessive caution becomes higher than the fear of changing, and the permanence in certain states, more costly than the movement. (...) We shouldn't allow Fear to imobilize our Desires".

- by Geni Núñez

[cybercrime-blogs]

Fight Against Cyber Crime: Large Banks in India Take a Stand Against Online Fraud

As cyber frauds continue to rise, large banks in India are taking extra measures to educate their customers and employees on how to avoid falling prey to scams. The Financial Express reported that these lenders are aggressively working to eliminate the threats of online fraud by spreading awareness and implementing new security features.

One such bank is HDFC Bank, which has sent over 8.5 million emails and 20 million messages to its customers in the past year alone to raise awareness on how to avoid scamsters. The bank has also conducted more than 5,900 training programs on fraud awareness and secure banking, which have covered over 62,500 customers. HDFC Bank is using all available channels, from newspaper advertisements and digital media to bank applications, to increase the reach of their awareness campaigns.

Also Read: Kashmiri Brother-in-Law could not show Kamal, and pressure on Nagpur police failed

Similarly, ICICI Bank is asking its customers to check every transaction via SMS or email alerts and report any irregularities to the bank. The bank is also sending reminders to customers to stay vigilant and warning them not to share their OTP, URN, password, or CVV with anyone. The bank has introduced a new feature in its iMobile Pay app that does not allow any screen-sharing application.

Many other large lenders in India are collaborating with influencers and actors to spread awareness regarding online banking frauds. These frauds have become increasingly challenging, with scamsters bringing in newer techniques like impersonating an employer, using the dark web for cyberattacks, and using social engineering techniques.

According to the Financial Stability Report released in December 2022 by the Reserve Bank of India (RBI), the amount lost to banking frauds decreased from Rs 36,316 crore in H1FY22 to Rs 19,485 crore in H1FY23. However, fraud from card and internet banking increased from Rs 60 crore in H1FY22 to Rs 87 crore in H1FY23. The report highlighted that the overall number of online banking frauds and card frauds increased from 1,532 in H1FY22 to 2,321 in H1FY23.

V Vaidyanathan, MD & CEO at IDFC First Bank, stated in the report that online frauds are a “very serious issue” and the bank is spreading awareness among customers via their website, mobile application, and other means. They insist on using an OTP (one-time password) for certain transactions and SIM-binding. Additionally, the bank has introduced a penalty for employees who click on a phishing link.

Also Read: Cybercrime in Nagpur - Cyber Blackmailer Couple Arrested in Pune for Extorting Money

Overall, the efforts of these banks to spread awareness about online frauds are commendable. Customers are urged to be vigilant and take necessary precautions while carrying out online transactions, such as never sharing their sensitive information with anyone and reporting any suspicious activity to their bank immediately. It is crucial to stay informed and updated on the latest online scams and to always prioritize security when conducting any financial transactions online.

Source: https://www.the420.in/fight-against-cyber-crime-large-banks-in-india-take-a-stand-against-online-fraud/

[gitakartecommerce]

ICICI Bank History From Industrial Catalyst to Digital Pioneer: 70-Year Journey-2025

Introduction: The Bank That Built Modern India ICICI Bank History isn’t just a financial institution—it’s a living chronicle of India’s economic evolution. From funding steel plants in the 1950s to powering QR-code payments in remote villages today, ICICI’s story mirrors the nation’s rise from post-colonial austerity to digital superpower. This gripping narrative uncovers untold chapters of…

[jasbir675]

ICICI Bank Credit Card Payment Online: A Complete Guide

Paying your ICICI Bank credit card bill online is quick and secure, offering multiple convenient options. You can use Internet Banking by logging into your account, selecting your card, and completing the payment. The iMobile Pay app provides a mobile-friendly method, letting you pay on the go. For non-ICICI Bank users, NEFT (National Electronic Funds Transfer) is a simple alternative. By adding your ICICI credit card as a beneficiary, you can transfer funds easily. You can also pay through BillDesk, a third-party payment gateway that enables you to make payments without logging into your bank account. Finally, the Auto-Debit feature allows you to set up automatic monthly payments from your bank account, ensuring you never miss a due date. With these various options for ICICI Bank credit card payment online, you can enjoy hassle-free bill management and timely payments.

[bengalbytes]

ICICI Bank's iMobile Pay App Now Being Used by Over Two Million Non-ICICI Customers

ICICI Bank’s iMobile Pay App Now Being Used by Over Two Million Non-ICICI Customers

ICICI Bank has announced that over two million customers of other banks are now using the revamped version of its mobile banking app, ‘iMobile Pay,’ after making the platform open to all in December 2020. The app clocked over a million users from other banks back in March 2021. In a press note, ICICI claims internal data shows that the users are most enjoying in-app tools such as ‘pay to contact’…

[vilaspatelvlogs]

न्यू वर्जन लॉन्च: ICICI बैंक ने लॉन्च किया 'आईमोबाइलपे', अब अलग-अलग पेमेंट ऐप्स की नहीं पड़ेगी जरूरत

न्यू वर्जन लॉन्च: ICICI बैंक ने लॉन्च किया ‘आईमोबाइलपे’, अब अलग-अलग पेमेंट ऐप्स की नहीं पड़ेगी जरूरत

Hindi News Business ICICI Bank Launches Imobile App; Here’s All You Need To Know About IMobile Pay Ads से है परेशान? बिना Ads खबरों के लिए इनस्टॉल करें दैनिक भास्कर ऐप मुंबई7 घंटे पहले कॉपी लिंक आईमोबाइल पे पेमेंट या बैंकिंग की सुविधा के लिए अलग-अलग ऐप की आवश्यकता को भी समाप्त करेगा प्राइवेट सेक्टर का ICICI बैंक ने आज अपने मोबाइल बैंकिंग ऐप आईमोबाइल (imobile) का नया वर्जन ‘आईमोबाइल पे’ लॉन्च…

[foodieforthoughts]

Hello love! I have this scenario stuck in my head:

Walter hurts his right shoulder quite badly when solving a case (or slipping on ice 🤔)which leaves him imobile to his dominant arm. Being the stubborn man he is, he releases himself from the hospital and back at home has to release that he alone struggles with the simplest tasks. Due to the time of night or a snowstorm outside the only one left to ask for help is that new annoying neighbour (there's the trope I guess)... might lead to a number of embaressing (and hot?) situations...

Wherever that came from... never mind my weird brain 🙈... does that maybe, possibly strike your muse?

Omg. 🤭 Thank you for the request @omgkatinka I tried to make it fluffy and funny, but I'm in a Walter mood lately and it did end up with a hint of smut, so here it goes.

Warnings: slight description of shoulder injury, a little bit of angst, fluff, description of male masturbation

*divider by @firefly-graphics

Title: Helping hand

Walter groaned when he turned on his side, half asleep and in a lot of pain. His shoulder throbbed like a thousand needles pricked him at the same time, shooting a blinding pain up to his fingers.

"Fuck!" He cursed at himself, rolling onto his back and trying to breathe through his agony. He clutched his sore shoulder with his hand, gently soothing the bandages and blinking through the tears that had sprung at the corners of his eyes.

Walter had hurt his shoulder while on a mission to catch hold of a guy involved in human trafficking. They had chased the culprit through the abandoned factory, barely losing him through the maze of metal staircases when Walter had lunged at the man, tackling him to the floor. But the rusty old work bridge had crumbled under the force, bringing both men crashing down to the ground with metal pieces and debris. Luckily for them they weren't harmed in a life threatening manner, but Walter's shoulder had dislocated, resulting in a torn labrum requiring surgery.

"Fuck this shit." Walter had told himself while lying in his hospital bed on the third day post surgery, pressing the call button for the nurse. He had gruffly told the pale, scared woman that he wanted to go home and he was feeling fine. After arguing with the doctor about his health, Walter had self discharged himself against medical advice.

He thought he had made a wise choice coming home, but he knew he was stupid to think he could make it on his own.

Sitting up on the bed and grabbing the strap of the arm sling, Walter groaned. With his dominant hand rendered useless for the time being, Walter had a lot of trouble with his daily activities. Faye and Angie were in California visiting her parents, leaving him no one to call for help for the past weeks.

He made his way to the kitchen to grab a bottle of water when he saw the heavy blanket of snow outside. Checking his watch, he gathered it was only four pm and yet it was almost dark with snow still falling steadily. Walter had taken his pain meds and a sleeping pill when he had awoken in the middle of the night, and had effectively knocked himself out for a good twelve hour sleep. With that realization, his stomach growled indicating his missed meals for the day.

Looking around at the kitchen, Walter groaned when he saw the empty takeout boxes and the overflowing trash can. Injury had left him disorganised, making him live like a junkie. He couldn't even remember the last time he had taken a decent shower, sniffing the air as he could smell his own body odour. He was about to grab a trash bag from the counter and try to clean, when his doorbell rang.

Walter groaned, again. He had an inkling it was her. His chirpy neighbor who was the only one who showed up to help him every other day. She was annoying in the beginning, trying to start up conversations when all he wanted to do was sulk. But he had warmed up to her, still keeping her at an arm's length, but allowing her to assist him from time to time. When he opened the front door, there she was, looking adorable covered in cozy woollen attire from head to toe, a cute beanie over her hair, carrying a big lunch box in her gloved hands. She smiled at him, shivering with the cold winds until he moved to the side to let her in.

You could never believe how intimidating Walter had seemed to you only a couple of weeks ago. He would always throw a curt nod at you when you would greet him from your door if you ever happened to cross paths, never smiling or staying for a chat. You had gathered from the other neighbors that he was a cop, Detective Walter Marshall, kind of a loner and always grumpy. There was no denying your attraction to him, his scruffy beard and thick curls always left your fingers itching to touch them, with his accent being a major plus point. But he would never give you a chance to strike up a decent conversation.

It was all fun and games, you liked the chase, even if you were the one doing all the chasing. Seemed like a conquest for you but when his car was missing from his parking spot for days on end, you began worrying about him. Then one fine day, you spotted him out in the curb, trying to open the trash bin with one hand while the other was hanging in a sling. You had walked up to him, out of concern when Walter had turned around to go back inside slipping on the ice, only for you to grab a hold of him trying to break his fall but instead tumbling to the cold ground with him on top of you. He had apologized profusely, wincing in pain as he moved and letting you help him stand up.

From that day onwards, you always made it a point to stop by his house atleast once. It helped that Walter never complained.

"I had made lasagna. Did you have lunch?" You asked, taking off your beanie to hang on the hook and leaving your boots by the door. You felt Walter's looming figure follow you as you made your way to the kitchen. Taking in the surrounding, you nodded to yourself, your question answered without Walter having to utter a word. "Very well, why don't you sit at the table and I'll serve you the food?"

You tried to grab clean plates and spoons, frowning at the dirty dishes from last night, but you didn't blame him. It was only so much he could do with one hand.

"Did you have a good night's sleep?" You asked, trying to strike up a conversation with the Detective.

"No. I took sleeping pills."

Placing the plate of food in front of him, you narrowed your eyes at him. "Don't get too attached to those meds though." You handed him the spoon and fork, before getting to clean his kitchen.

"You don't have to do that." Walter protested from his place at the table, almost about to stand up. "I was about to clean around the house."

"With one hand? Come on, Detective Walter, you know better than that. And I don't mind, I was holed up at my house since morning anyway, this atleast gives me a chance to do something." You winked at him, grabbing the empty bottles of water and shoving them in the trash bag. By the time Walter had finished his meal, you had cleaned the kitchen with only the dishes to spare.

"Let me get those." Walter tried to reach for the soap but you were fast enough to grab it first.

"Go rest, I can handle this." You nudged him playfully with your hip. You could not believe your eyes when you saw Walter smile. "Wow! Look at that! I am being graced with a smile."

Rolling his eyes at you, Walter stayed put at his place, handing you the plates one by one. You insisted for him to rest, but he denied each of your requests. You were just about done loading up the dishes in the dishwasher when your phone rang from it's place in the purse that was hanging on the hook.

"I'll put them in the rack, go." Walter assured you with another smile. You nodded at him, handing the gloves and walking out the kitchen. You were texting back your mom, when you heard the Detective cuss loudly, followed by falling and breaking of plates. You hurried inside to find Walter drenched with soapy water and the broken pieces of ceramic and glass on the floor.

"I'm done with this!" He shouted, trying to pry open the velcro of his sling in anger. The edge of his shirt dripped water on the floor with a stream travelling down from the front of his pants.

"Hey, hey." You rushed to him, carefully maneuvering away from the plates, and caught hold of his hands. "It's okay. It happens. Why don't you go change and I'll clean here." You didn't back down when he stared at you, not moving and not giving up. But a silent moment passed and he left for his bedroom without a word.

You walked towards Walter’s bedroom, the silence of the house only disturbed by the whistling winds of the oncoming storm outside. It was late in the night when you had gotten the chance to pay the ailing Detective a visit. With freshly baked cookies in a box, you had knocked at his door only to be left standing out in the cold. He had handed you a spare key for emergencies as the storm warning approached which you never used until today.

When you reached the door to his bedroom, you stopped in your tracks hearing muffled grunts from the other side. The door was slightly cracked open, faint light seeping out to the the hallway. You peered through the gap only to gape at the sight.

The other day when Walter had spilled water over his front and gone to change, you had followed him after hearing him cursing at himself. He had a hard time taking off the wet clothes, making him angrier by the minute. You had helped him then, only to be left mesmerized by his body as your nimble fingers had brushed over his skin.

Walter had his eyes closed, his arm in the sling and resting on his naked chest and pillows with a sheet covering his lower half. His other hand was under the cover, moving up and down as he pleasured himself. You felt your cheeks warm, spreading down to your chest and the tip of your ears as you watched him in his private moment, wanting to turn and run away but failing to do so.

You weren't going to ask him, but you could swear a long moment of sparks had passed between the two of you. Your dreams now featured vivid fantasies with Walter, leaving you in a daze for the rest of the day.

As much as you wanted to stare at his heaving chest, listen to his melodious moans and trace his sweat sheened face with your gaze; this felt like a rude invasion of privacy. You were about to turn on your heels when you heard the whisper of your name rolling out of his lips. Whipping your head to see if you had been caught red handed, you were left baffled to find Walter's eyes closed, unaware of your presence and repeating your name like a mantra while he pumped his length.

You had no idea what got into you, but the urge to be with the man you had been lusting over was so strong, you pushed the door open with heated cheeks and a trembling core. Walter's eyes shot open, widening as he took in your presence, scrambling to hide himself underneath the sheets.

"Wh-what are you-?" He stammered, a rosy pink tint appearing on his flushed skin.

You did not answer him, choosing to close the distance between the two of you instead. You crouched down next to his side of the bed, placing your hand on his scruffy cheek. His pupils were blown wide, lips parted as he struggled to regain his breath and rendered speechless at the debacle. You waited for him to object to your advances, watching as he wet his lips with his tongue before leaning to kiss him. Walter remained frozen for a long second, until he moved his lips along with yours.

Breaking away from the kiss, you smiled at him, a hand creeping to his member that twitched in response. "Do you need a hand?" You asked, smirking as Walter could only nod before you pulled the sheet away from his body.

[deathonyourtongue]

Sanguine Nocturnus | 1

Summary: Even after 2000 years, the world can still surprise you. Pairing: AU!Henry Cavill x OFC Word Count: 2K Warnings: It’s a vampire fic. Death. Blood. Gore. Sex. Horror. Not for the kiddies or the squeamish. I mean it. A/N : I know I said I’d wait. But y’all have been clamoring...

Death has a way of manipulating time. Moments meant to go slowly end in a blink, while junctures that ought to speed past, linger like dew on the vine...

Carla Montanari stared at her mother’s corpse, waiting for her to move. Waiting for the only family she’d ever had to open her eyes and say it was all a joke. Her mother had always had a cutting sense of humor; no topic was off-limits, and as she aged, death was a favored punchline. Now, it seemed, her mother had pulled off the ultimate prank, though Carla failed to see the humor in it.

The mortician had done an excellent job all things considered, but Carla could still pick out the differences between the body that lay at the altar of Saint Vincent’s and the one she had grown up with. A jaw that had been given too much lift, makeup that was a shade or two darker than what her mother normally wore, wrinkles that had disappeared when her face had been sewn back together. She’d been told she was lucky to get an open-casket service at all, given how much trauma her mother had suffered, as if it were some sort of consolation prize.

Looking behind her, Carla did a headcount of those in attendance, smiling softly when she saw that her mother’s bingo group were all in attendance, each woman donning their Sunday best in order to pay their respects. What her mother lacked in family, she’d more than made up for in friends who were all cut from the same cloth. Good, salt-of-the-earth people. Carla had always envied how easily her mother made friends, how she could chat up anyone, no matter how different their background and find something in common. It was a skill she hadn’t passed down, leaving her daughter to carve out a small handful of friends who were more acquaintances than anything else. 

Crossing herself, Carla took a deep breath, looked down at her mother once more, and finally leaned down to kiss the cold, clammy skin of her forehead, doing her best to ignore the faint waft of formaldehyde that filled the casket. A solitary white rose tucked beneath her mother’s hands was Carla’s final act before turning away. 

Time blinked, and she found herself seated across from her mother’s lawyer, a slab of mahogany separating them, the coffee she’d been offered growing cold as the AC hit it from overhead.

“I suppose we can do away with formality, since it’s just you,” the older man said, his smile tight and distant. Carla nodded, feeling as though the man wanted to be done so he could attend to other, more important, matters. 

“Your mother left all her possessions and accounts to you, no surprise there. She gifted her friends each an item from her apparently extensive purse collection, so we’ll facilitate that for you. The accounts are all in order, and what isn’t used to pay off her final bills, will be transferred to your account by the end of the month. Lastly, there’s the matter of the inheritance. This may be news to you, but your grandmother set up an inheritance in your name when you were born. Initially, it was meant to pay for college, but when you got your full ride, your mother decided to keep it going until her passing. Her hope was to give you a nice nest egg for retirement, or your first house...something to that effect.” 

Carla looked down at the document, counting and recounting the total in disbelief. Her mother had always been terrible at keeping secrets, having given away things to her friends that had mortified Carla when she was younger. 

Guess you were better at it than I thought.

Inhaling deeply, Carla sat back in her chair, hoping the meeting was over. The quicker she could get out into the fresh air, the better off she’d be. 

“There’s one more thing,” her mother’s lawyer said, keeping Carla rooted to her seat even as the muscles in her legs twitched in readiness to stand up. “Your mother wanted to ensure you were aware of the fact that you have legal claim to Italian citizenship, if you should ever choose to take it. They call it Jure Sanguinis; Right of Blood. The process can be expedited, given that you’re only second generation American. Sign here and we can get it in motion for you.” 

Carla signed blindly, eyes unblinking as she tried to process the information. Her mother had always been a planner, but had never once mentioned so much as a will to Carla. Now, seeing everything packaged up so neatly, her mind spun wildly.

“Think you know a person…” She muttered mostly to herself, the lawyer giving her another one of his performative smiles, his eyes going to his watch for what must have been the tenth time in as many minutes. 

Leaving the office with a folder and the untouched coffee, Carla couldn’t help but feel time begin to crawl, reinforcing the feelings of numbness and solitude that would haunt her for weeks to come.

Working steps from Wall Street had its perks. Tips were usually far more generous than in other parts of town, fights were rare, and drunk girls crying over their shitty boyfriends were nonexistent. None of that made it any easier, however. Frat boys turned into day traders, socialites grew even more entitled as their brunches turned into botox appointments, and there was never a shortage of patronizing stares for those that had to actually work for a living. For Carla, navigating the catcalls, one-liners, and straight-up sexual misconduct was easy enough; it was the entitlement that never failed to get under her skin. 

“Um, hello? Waitress? This is wrong. I asked for a Negroni.” Looking up, Carla swept her long black hair over her shoulder as she processed the words that were spoken. Having decided to keep living life as though things hadn’t irrevocably changed, Carla was doing her best to ignore the stress that had been slowly creeping higher and higher each day. Busy nights at the bar were proving the worst, with Carla coming through the door at the end of her shift ready to rant about the night to her mother, only to find the place pin-drop silent and utterly empty. 

Looking down at the drink, Carla gazed back up at the woman with the blond, news anchor hair and cocked her head to the side in confusion. 

“That is a Negroni.” 

“Uh,” the woman snorted in disbelief, “no it’s not. Remake it, and do it right this time.” 

“This is a Negroni. One part gin, sweet vermouth, and Campari each, with a peel of lemon.” The woman laughed condescendingly and Carla could feel her patience start to disappear. 

“No, a Negroni, if you knew anything about bartending--which you clearly don’t--is made with Rye and dry vermouth.”

“Lady, I make at least ten of these a night. I work six nights a week. You’re the first, and only, person to ever tell me it’s wrong. You’re thinking of an Old Pal, and I’d be more than happy to make that for you, but this? This is a Negroni, which is what you asked for.”

“Fine, we’ll see about that.” The woman huffed, her manicured hand slicing through the air in a dismissive motion. 

“That’ll be $10.99.”

“Absolutely NOT! I’m not paying for your mistake. Make it again, make it right, and make it now!” The woman crowed, her hair imobile as she shook her head, looking for all the world like Carla had slapped her.

“It’s a different drink. You paid for a Negroni, you got a Negroni. You want an Old Pal, you pay for an Old Pal.” Carla replied, crossing her arms over her chest as she waited for the woman to make up her mind. 

The alcohol burned Carla’s eyes and she stumbled back in shock, moving towards the large sink she knew was behind her on pure instinct. Washing her face to get as much of the cocktail off as she could, she knew she’d reached her breaking point. 

Any other time and she’d have brushed it off, had security kick the woman out and gone about her night. Now? She’d had enough. Moving slowly to the back, Carla took off her apron, hung it up next to her coworkers’ and slipped out the back door. 

Nearly sprinting the whole way home, it was only as she stepped through the door of her apartment that the tears came unbidden. Sliding down the wall, Carla cried for the first time since her mother’s passing. 

The next morning, after calling in her notice, Carla allowed herself a day to simply be. To scream, to cry, to let out all the emotions that had befallen her since answering the phone that fateful night and hearing that her mother had died in such a vicious and preventable way. She let rage fill every vein as she thought about how the person who hit her hadn’t even bothered to stay at the scene. She lamented every missed moment, every fight, every what-if. Finally, she curled up in her mother’s robe, and cried herself to sleep.

Knowing she couldn’t handle another day at a bar like the one on Wall Street, catering to bratty adults who’d never been told no a day in their lives, Carla began leaning more and more towards escaping it all. Her now-empty apartment, her routine assortment of familiar faces (none of whom had even bothered to call and offer condolences), and more than anything, the city itself; all of it seemed worthless and foreign without her mother’s smiling face. As she sat and scrolled through picture after picture on her phone, the promise of a new life in Italy seemed more feasible, and more and more necessary.

On day three, after a day spent mostly in bed, dreaming about the possibilities of what life could bring now that she was committed to leaving, Carla put in a call to the lawyer, vaguely remembering the document she’d signed. There was nothing but relief when she was told they were simply waiting for a few more documents to finalize it all. 

With the foundation for her new life in place, Carla began to flesh out the bones, focusing her research on where to live, and who was hiring. Though the inheritance was enough to live comfortably for several years, Carla didn’t want to squander it. Moreover, she still wanted to work and feel useful in some way; early retirement could wait.

While she was spoilt for choice when it came to renting, a job was harder to come by. Carla started her search with the lofty goal of finding something where she could put her history degree to good use; a research assistant, a curator, hell, a tour guide. When it became clear that her lack of experience was a hurdle she wouldn’t be able to cross so easily, Carla reluctantly turned to what she knew. 

Weeks went by like thick molasses as she looked at bar after bar, finding that they either weren’t hiring, or looked like the kind of place people went into and never came out of. Her options were narrow to start with, since Carla had her heart set on Rome, the need to entrench herself in one of the world’s oldest cities, one she couldn’t possibly ignore. With each day that passed, she felt her dream beginning to slip away. Carla was nothing if not tenacious, one of the few traits she’d shared with her mother, and despite feeling discouraged at her prospects, she kept looking.

Finally, as the clock nearly ran out on her deadline to provide proof of employment, Carla found the perfect spot. Though the bar catered to a higher-end clientele, gone were the stockbrokers and lawyers, and in their place, a younger, cooler set. Attracted to the dark, almost feral, atmosphere the bar promised in its advertising, Carla applied, crossing her fingers in the hopes that they’d call. 

She was still browsing the site when her phone rang and the owner greeted her in a thick, Italian accent. Breezing through the interview questions, Carla’s eyes roved over the pictures of all the beautiful people that frequented the night spot, pulled in by how effortlessly cool each of them looked. With the promise to call her by the end of the week to confirm the position, the owner ended the call, and it was all Carla could do not to jump for joy. 

Flopping back on the bed, she couldn’t help but let herself feel true happiness, happiness which she’d unconsciously been denying herself while she mourned her mother’s death. Though she’d been dealt a life-changing blow, Carla felt as though, slowly but surely, time was going back to its usual pace, and her life was taking a turn for the better. 

With a smile from ear to ear, she sat back up and emailed the lawyer, confirming she’d gotten a job, an apartment, and a plane ticket to Rome. As the message zipped away and the window closed, Carla found her eyes drawn back to the website, and her new place of employment. 

Romulus