Utilize the input text as a context reference, choose the right relationship between HDFC and HDFC Bank from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

So SmartBuy, HDFC's e-mall or virtual storefront that's integrated with its PayZapp app, comes with a disclaimer, "SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's customers, and HDFC Bank is not selling/rendering any of these products/services....

Answer: owned_by