In a hybrid model, financial services are completely integrated into digital solutions to meet the demands of today's new generation of customers as well as the socio-economic environment. Financial organizations that use a hybrid banking strategy combine traditional brick and mortar banking with digital banking. This strategy makes use of the Internet as a strategic instrument for providing complicated products at cheaper prices while maintaining high service quality. Furthermore, banks have little choice but to innovate and adapt a hybrid, "clicks and mortar" strategy to survive the sector's cutthroat competition and to take advantage of new online and mobile banking prospects made possible by the Internet. Given the disparities in population age, education, access to technology, and digital savvy in a country as diverse as India, it is difficult to completely remove physical banking. In India, there is a sizable population, particularly among senior persons, who are less willing to go digital but have attempted to adapt in recent years. These traditionalists, on the other hand, would not refuse to return to their old ways if given the opportunity. New generation clients, on the other hand, are rapidly turning to more complete digital services to suit all of their banking demands, preferring to do away with the need to visit a bank entirely. They wish to abandon old, ineffective techniques. The key to success is striking a balance in order to achieve consumer happiness