ABHI Microfinance Bank has launched DIY (Do It Yourself) Banking as part of a broader effort to digitize its branch network and change how customers access everyday banking services. The new self service initiative is designed to give customers greater control over supported banking activities by allowing them to complete selected transactions independently through dedicated digital touchpoints. The launch brings together ATMs, Cash Deposit Machines (CDMs), Self Service Kiosks and instant card printing capabilities to create a connected self service environment within ABHI’s branches.
The new DIY Banking model focuses on convenience, speed, flexibility and customer control, moving selected banking activities away from traditional counter based processes. Instead of relying exclusively on branch staff for everyday services, customers can use the newly introduced self service infrastructure to complete supported activities independently. The approach is intended to make routine banking interactions simpler while giving customers greater choice over how and when they access available services within the branch environment.
At the centre of the new ecosystem are ABHI ATMs, which provide customers with access to cash and other supported banking services. Cash Deposit Machines have also been introduced to provide a dedicated channel for cash deposits without requiring customers to complete the process through a traditional banking counter. By adding self service cash deposit capabilities to the branch network, ABHI is expanding the range of routine transactions that customers can complete independently.
The DIY Banking ecosystem also includes Self Service Kiosks, which serve as digital banking touchpoints where customers can access and complete selected services on their own. The kiosks form part of ABHI’s broader effort to combine digital capabilities with its physical branch infrastructure. Rather than removing the branch environment, the initiative is designed to change how customers interact with it by providing additional channels alongside traditional banking touchpoints.
One of the notable features introduced through the initiative is instant card printing, which enables customers to receive their cards immediately. ABHI describes the capability as a first of its kind offering in the industry. Instant card issuance can reduce the waiting period associated with traditional card delivery and adds another self service oriented feature to the bank’s branch experience. The facility forms part of the wider technology infrastructure being introduced as ABHI continues to digitize its branch operations.
The launch represents the beginning of a broader transformation of ABHI Microfinance Bank’s branch network. The bank is bringing together self service technology, digital banking infrastructure and traditional banking touchpoints in an effort to create a more connected customer experience. The objective extends beyond installing new machines, with the bank positioning DIY Banking as a change in the way customers interact with branch services and manage supported banking activities.
ABHI’s approach is built around giving customers greater flexibility in handling routine banking needs. By shifting selected services to self service channels, the bank aims to reduce dependence on traditional counter based interactions while providing customers with more direct access to banking facilities. The combination of ATMs, CDMs, kiosks and instant card printing creates multiple points through which customers can interact with the bank within its branch network.
The initiative also reflects the wider movement toward technology enabled banking in Pakistan, where banks and financial institutions are increasingly introducing digital channels to complement physical branches. Self service infrastructure can allow routine transactions to be handled through dedicated machines and digital interfaces, while branch staff can remain available for activities that require direct assistance. For customers, this can create more options for completing everyday banking activities based on the services supported at individual locations.
ABHI Microfinance Bank has positioned the initiative as part of its identity as a digital microfinance bank. The bank stated that it continues to expand the use of digital capabilities across its growing branch network, bringing technology closer to customers while maintaining physical banking access. The DIY Banking launch is therefore being presented not simply as the addition of new machines, but as a broader change in the branch banking experience.
With the introduction of DIY Banking, ABHI Microfinance Bank is moving selected banking services from the traditional counter toward self service channels. The combination of ATMs, Cash Deposit Machines, Self Service Kiosks and instant card printing gives customers greater control over supported transactions and services. The initiative marks a new phase in the bank’s branch digitization strategy and is aimed at making everyday banking more accessible, convenient and customer driven.
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