A BCG report titled ‘Digital And Beyond: New Horizons in Indian Banking’ throws light on the fast changing landscape of Indian banking. It points out that at an aggregate level, branch expansion in FY16 has been slower than in FY15. However, private new banks have added more branches in FY16 than in FY15, especially in metro, urban and semi-urban areas. As banks plan the future of their branch footprint, they need to consider 3 issues regarding their branch footprint: (i) micro market specific format, (ii) geo-analytics based footprint optimization and (iii) industrialization of sales at the branch level using technology. One should not assume that physical presence or physical proximity will be less relevant in the channel strategy for banks in India.