Provide smaller banks and credit unions with a managed exception desk staffed by trained agents who handle failed digital banking journeys from intake through resolution. Agents combine customer verification, device and session diagnostics, transaction-status checks, guided workarounds, and structured escalation to the bank or platform vendor. Start as a human-delivered service with documented playbooks, then productize recurring diagnostics, evidence collection, routing, and case tracking.

Banks are moving more required workflows into mobile channels while reducing branch access and relying more heavily on automated support. The signals span multiple countries, institutions, and workflows, indicating a persistent operational gap rather than one application's temporary regression.