Deeper digitization in banking goes beyond basic automation to streamline complex processes like account opening, loan origination, and dispute handling. It blends AI, RPA, conversational banking, and any-channel strategies to deliver faster, more personalized services while keeping human touchpoints for trust. Continuous improvement, integrated workflows, and proactive customer engagement are key. Branch roles evolve toward advisory services, supported by kiosks, mobile specialists, and outsourced operations. Success requires cultural change, strong partner collaboration, and technology platforms enabling seamless, customer-centric experiences.

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