The Phygital Future: Bridging Digital Banking and the Branch

The ecosystem evolves from basic payments to complex financial services like loans and insurance, the line between "digital" and "physical" is blurring. We are entering the "Phygital" era.

Regulatory requirements for higher-tier accounts often require physical KYC (Know Your Customer) verification. Customers may start a loan application on their phone but need to visit a branch to sign documents or provide biometrics.

Bank-Genie’s systems are designed for this intersection. We help manage the footfall of hybrid customers. A customer can "check-in" to the branch queue via their mobile app while they are on their way. Bank of Abyssinia uses this capability to seamlessly connect the digital journey with the physical visit, ensuring that the massive user base of digital platforms doesn't overwhelm the physical infrastructure.