Cash is alive: How technology has enabled phygital at scale
summary
Capital One builds a phygital cash-deposit flow that lets customers generate a barcode in the app, hand cash to a CVS cashier, and have funds posted to accounts; limits are $1,000/day and $5,000/month. Architecture uses InComm integration at point of sale, async payment processing for sub-15-second experience, and Aurora Global Database with active/active multi-region compute for regional failover. Solution is deployed nationally, meant to scale to many retailers, and reports strong customer adoption.
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chapters (6)
- 0:00Introduction
- 1:03Capital One overview
- 2:46The cash challenge
- 8:03Digital-physical solution
- 10:40Scaling with retail partners
- 13:43Technical architecture
