GOTYME Bank, a joint venture of the Gokongwei group of companies and the Tyme Group, adopted a business model that considered some of the peculiar banking problems plaguing Filipinos.

GoTyme Bank's "phygital" business model, which combined physical and human banking with a well-established digital system, put a premium on access in all aspects of its operations. It has deployed a high tech, high touch retail-integrated distribution model, powered by GoTyme's smart mobile apps.

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