Consumers around the world are maximising the convenience, security and flexibility of the way they pay, by blending physical and digital payments services into an elevated, more personalized experience. When it comes to payments, the world is now phygital. And banks that don’t embrace this shift are at risk of falling behind.

However, cumbersome and complex legacy systems plus low investment in new technologies and user interfaces mean many banks are struggling to keep up with consumer expectations of phygital payments. This whitepaper will show you how phygital experiences are already enhancing your customers’ lives – and help you lay the groundwork for this phygital shift.