Cash deposit
Bulk cash acceptance, note validation, denomination recognition, serial-number capture where enabled, receipt generation and same-session credit to account or wallet.
Digital Branch Enablement
Helping banks build smaller, smarter, full-service digital branches.
4POWER helps banks design, deploy and operate compact digital branch formats that extend physical banking reach without the cost, space and staffing model of a conventional branch.
Shown here
ServicePoint
Self-service machines with an assisted desk.
The bank owns the customer relationship.
The bank owns the brand experience.
4POWER provides the technology, integration, infrastructure and managed service layer that makes the format work.
The opportunity
More places to bank. Fewer branches to build.
These are bank-branded digital branches or service points, built around self-service machines, assisted service and centralised remote support.
Conventional branch expansion is expensive, slow and property-heavy. 4POWER enables banks to deploy a lighter physical banking model.
Conventional branch expansion
Expensive, slow and property-heavy. Every new site requires:
- A larger footprint
- Full staffing
- Teller counters
- Back-office infrastructure
- Cash handling arrangements
- Security
- Fit-out
- Ongoing operating cost
Digital branch or service point
A lighter physical banking model, built around:
- Self-service machines
- Assisted service
- Centralised remote support
- Smaller spaces
- Lighter fit-outs
- Fewer on-site staff
Where it can go
A digital branch can be placed in convenient locations, giving customers access to core banking services while reducing the bank's dependency on large branch premises.
Malls
Forecourts
Markets
Campuses
Transport hubs
Industrial areas
Residential communities
Secondary towns
The objective is not to replace every branch.
The objective is to give banks a new expansion format between a full branch and no branch at all.
The approach
Built around the bank's service strategy.
Every bank has a different branch strategy, customer base, regulatory environment and service mix.
4POWER does not offer a fixed, one-size-fits-all branch concept. We help each bank define the right digital branch format for its market.
The format, layout, service scope, staffing model, branding and commercial structure are agreed with the bank and adapted to each deployment.
The final model can include any combination
Devices
Cash deposit machinesATMsRecyclers
Payment terminalsCheque depositCheque printing
Card issuance and dispensingBiometric capture
Document scannersDigital screens
Journeys
Account openingKYC updateCash deposit
Cash withdrawalBill paymentsTransfers and mobile money
Loan applicationsCard servicesCheque deposit
Statements and enquiriesCustomer service requests
Service & environment
Self-service zoneAssisted service desk
Video banking podPrivate consultation room
Queue and journey managementDigital signage and marketing
Branded fascia and wayfindingCustomer waiting zone
Access control and surveillanceRemote specialist support
The operating model
Machine-first. Human-assisted. Bank-owned.
The digital branch model changes the role of the physical site.
Self-service
Routine transactions are handled through self-service infrastructure.
Up to 24×7
On site
On-site staff support customers where guidance, judgement or exception handling is needed.
Agreed operating hours
Remote
Remote specialists are brought into the journey when deeper expertise is required.
On demand, estate-wide
The bank
The bank continues to own the customer, the brand, the data and the service proposition.
Ownership end to end
Indicative service cover across a day
Hours are agreed per site
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Self-service — up to 24×7
On site — agreed operating hours
Remote — on demand
4POWER sits behind the model as the infrastructure and operating partner.
We provide the self-service platform, devices, integrations, monitoring tools, managed operations layer and deployment expertise required to make the digital branch operate as a reliable banking channel.
What the bank can offer through the format
A wide range of banking journeys.
A 4POWER-enabled digital branch can support a wide range of banking journeys, depending on the bank's systems, regulatory approvals and selected deployment scope.
10 of 10 journeys shown
Cash withdrawal
Card and cardless withdrawal through ATM or recycler infrastructure.
Bill payments
Utilities, school fees, government collections, tax payments, airtime, merchant billers and other configured payment services.
Account opening
Guided digital onboarding with ID scan, biometric capture, customer data capture and account creation workflow.
KYC update
Document re-scan, biometric re-verification, customer information refresh and submission into the bank's KYC or core banking workflow.
Loan applications
Eligibility checks, application capture, document upload, offer review, acceptance and routing into the bank's loan origination process.
Customer service
Statement requests, dispute logging, query capture, service requests, assisted support and live video escalation where required.
Cheque deposit
Cheque image capture and handoff into the bank's clearing workflow.
Card services
Card issuance, activation, PIN set/reset, temporary blocking and other card-related journeys where supported.
Mobile money and transfers
Wallet cash-in/cash-out, account transfers, third-party transfers and digital statement services.
Service layers
Three layers of service.
Self-service layer
The self-service layer is the foundation of the digital branch.
It handles the high-volume, repeatable transactions that would otherwise consume teller and service desk capacity. This can include deposits, withdrawals, payments, onboarding, KYC updates, card services, loan applications and customer service requests.
Depending on the site and security model, the self-service layer can operate beyond normal banking hours, including 24×7 availability.
Assisted service layer
The assisted layer gives customers confidence and support without recreating a full branch staffing model.
One or two bank staff, agents or service representatives can be placed on site during agreed operating hours to guide customers, handle exceptions, support onboarding, review loan cases and manage service interactions that require human judgement.
The person is not there to process every transaction. The person is there to support the moments where a customer needs help, reassurance or judgement.
Remote specialist layer
The remote layer allows banks to extend specialist capability across multiple sites without placing specialist staff at every location.
Through video banking, remote authorisation and back-office routing, customers can access support for lending, SME banking, mortgage, trade finance, wealth, language support, exception approval and central underwriting.
This allows smaller sites to deliver deeper banking capability.
Deployment formats
One technology base. Multiple formats.
4POWER can help banks develop multiple digital branch formats using the same underlying technology and operating model.
Indicative plan view
MicroPoint
Self-service machine
Staffed / assisted zone
Supporting zone
Branded media wall
Customer path
Zones in this format
Indicative only. Layout, service scope and machine count are agreed with the bank and adapted to each site.
MicroPoint
A compact, self-service-led banking point for locations where space is limited but customer demand is strong.
- Best suited to
- Forecourts, campuses, residential communities, office towers, transport hubs and convenience-led locations.
- Machines
- Two
- On-site staff
- None permanent
- Video banking
- Not typically included
- Availability
- Self-service availability, subject to site and security model
Typical configuration
Two machines, compact lobby or vestibule, bank branding, digital signage and self-service availability with no permanent on-site staff.
| Format | MicroPoint | ServicePoint | AnchorPoint |
|---|---|---|---|
| Positioning | Compact, self-service-led | Core assisted digital branch | Stronger physical presence |
| Machines | Two | Two or three | Multiple, duplicated for volume |
| On-site staff | None permanent | One or two during operating hours | Assisted service team |
| Video banking | Not typically included | Optional | Included |
| Private consultation | — | — | Included |
| Space | Compact lobby or vestibule | Branded customer zone | Full customer zone |
| Typical locations | Forecourts, campuses, residential communities, office towers, transport hubs | Malls, high streets, market areas, district towns, branch-adjacent sites | Secondary cities, industrial zones, commercial clusters, growing towns |
In deployment
Sites, machines and the customer journey.
Bank-branded deployments
Select an image to enlarge
What 4POWER delivers
Across the full digital branch lifecycle.
4POWER supports banks from concept to live operation — covering format design, location planning, landlord coordination, fit-out, technology deployment, integration, managed operations and ongoing optimisation.
This allows the bank to focus on its customer strategy, regulatory approvals and service proposition, while 4POWER manages the execution layers required to bring each digital branch or service point to life.
01
Concept design
01 / 08
We help define the right digital branch format, customer journey, service mix, staffing model, machine configuration, operating concept and commercial structure for each deployment.
The platform
Managed through a central platform.
Each deployed site can be connected to 4POWER's managed operations platform. This gives the bank central visibility across the estate.
0×7
Self-service availability, subject to site and security model
0 signals
Monitored per connected site
One view
The whole estate, not machine by machine
Device & cash
- Device health
- Cash levels
- Cassette status
- Reconciliation alerts
Transactions
- Transaction volumes
- Deposit values
- Denomination mix
- Serial-number data where enabled
- Failed transactions
- Exception cases
Service & experience
- Service availability
- Customer journey performance
- Queue and service data
- Customer feedback and CSAT
Operations & SLA
- Field service activity
- CIT triggers
- SLA reporting
- Estate-level operating performance
The bank sees the estate as one managed network, not as separate machines sitting in separate locations.
Commercial models
Structured around your rollout strategy.
4POWER can support different commercial structures depending on the bank's rollout strategy and capital preference. Digital branch infrastructure can be deployed through outright purchase, lease, shared investment or transaction-linked commercial models.
This allows banks to begin with pilot sites, measure demand, validate the operating model and then scale into a wider digital branch network.
Outright purchase
The bank acquires the infrastructure directly and holds it on balance sheet.
Capital commitment — highest
Lease
Infrastructure is leased over an agreed term, spreading cost across the rollout.
Capital commitment — moderate
Shared investment
Investment and return are shared between the bank and 4POWER across the network.
Capital commitment — shared
Transaction-linked
Commercials follow usage, so cost scales with the volume each site actually generates.
Capital commitment — lowest
Why it matters for banks
More reach, at a fraction of the commitment.
01
Expand physical reach faster
Launch new service points without waiting for full branch construction.
02
Reduce the cost of expansion
Use smaller spaces, lighter fit-outs and fewer on-site staff.
03
Extend banking availability
Offer key services beyond normal branch hours through self-service infrastructure.
04
Improve customer convenience
Place banking access where customers already live, work, shop, travel and trade.
05
Protect the customer relationship
Keep the bank's brand and service presence visible in the community.
06
Turn service points into acquisition points
Enable account opening, KYC and loan application journeys directly from the site.
07
Support cash-heavy customers
Provide secure cash deposit, withdrawal and payment capability in high-demand locations.
08
Scale with evidence
Test catchments, review transaction volumes, adjust the format and scale where demand is proven.
Why 4POWER
We help banks move from concept to live operation.
4POWER combines self-service banking hardware, customer journey software, core integration, monitoring, managed operations and regional deployment experience.
Our role is to provide the technology and operating infrastructure behind the bank's digital branch strategy — from machines and software to integration, monitoring, support and scale-up.
The bank gets a flexible physical banking format.
Customers get convenient access to real banking services.
4POWER provides the platform that makes it work.
Self-service banking hardware
Customer journey software
Core integration
Monitoring
Managed operations
Regional deployment experience
Build your next banking presence without building a full branch.
4POWER helps banks deploy compact, bank-branded digital branches and service points that combine self-service, assisted service and managed operations into one scalable physical banking format.
A smarter way to expand reach.
A lighter way to serve customers.
A more flexible way to build the branch network of the future.