FinTech Magazine July 2020 | Page 76

“ PHYGITAL BANKING ”
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“ PHYGITAL BANKING ”
While exponential data proliferation and the complete transformation of the way in which we spend our money are both – to put it kindly – revolutions in progress , the fintech sector has already adopted several IoT applications to enhance its most traditional point of contact with the public : retail banks . While brick and mortar banking is unquestionably on the decline , IoT technology has the potential to digitally transform physical banking spaces in a way that may alleviate the kind of pain points that are increasingly pushing customers towards digital options .
According to a report by software developer Iflexion , IoT has the potential to create harmony between physical and digital banking . “ Phygital Banking ” experiences are the result of banks blending their digital offerings with their physical ones using beacons : IoT transmitters that connect to Bluetoothenabled devices like smartphones , tablets , etc . These beacons – which have already seen deep penetration into the retail industry – then connect to customers ’ devices to push notifications ,
Mastercard Engage – Helping Customers Find the Best Technology Partners
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JULY 2020