Investor Presentaiton
For Tier III & IV Locations:
Phygital Channel Strategy
Indiabulls
HOUSING FINANCE
Phygital strategy entails co-mingling of 'physical' and 'digital' models wherein the
Company offers fully digital, online loan fulfillment for specific target customer segments
which are well versed with technology, while at the same time continuing to serve other
customers through its branch model
The phygital strategy also helps drive expansion into geographies with low competitive
intensity, contributing better margins at low cost-to-income without dilution in credit
standards
.
It rides on the eHome Loans infrastructure with lean spoke branches logging in digital/
scanned loan applications, which are underwritten at centralized regional credit hubs
IBH is on course to add 50 new branches in Tier 3 & 4 towns by the end of FY22
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