When was the last time you went to the bank? Most people go to the bank, but they also are using their bank's digital services. Thus, banks are closing some branches while seeking to add digital services. Customers want the ability to switch between in-person and digital,online channels.
In the graphic below, Wells Fargo has invested in digital acquisition, payments, personalized advice, distribution and innovation platforms
Banks have a hybrid strategy, 'phygital', combining physical and digital channels.
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