We have a threefold channel strategy, i.e, a digital channel, a branch channel and a franchisee channel. You cannot go to war with bare hands, says Bhattacharya, who has come to be known for her plain-speaking. So, now our target is to see how much of the non-financial transactions can be done on the digital channel. The reach is expanding not only through the digital channel but also through the franchisee channel. ATM is still a cash channel, we want to migrate it to the digital channel.

Source: Mint June 12, 2016 19:18 UTC