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Cost of Manual Work — Digital Banking
See what repetitive manual work is costing Digital Banking teams each year — where the legacy core system gates every product change — a new account type takes 9-18 months instead of weeks.
What this means for Digital Banking
- The legacy core system gates every product change — a new account type takes 9-18 months instead of weeks.
- KYC and onboarding flows still drop 40-60% of mobile applicants because of document upload friction and manual review queues.
- Customer data is fragmented across the core, the CRM, the mobile app, and four reporting marts; nobody has a single view.
Where it pays to act
- AI-assisted KYC document extraction and identity verification to compress onboarding from days to minutes.
- Conversational AI for routine servicing (balance, transfers, card controls) to deflect call center volume without degrading CX.
Adjust the inputs to match your Digital Banking team.
What manual work costs you
Annual cost
₹6.6 L
People-weeks / year
33
Recoverable via automation
₹4.62 L
Payback
7.8 mo
What this means
Digital Banking teams lose 33 people-weeks a year to this work — about ₹6.6 L. Automating the routine ~70% recovers ₹4.62 L a year.
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Cost of manual work — summary
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