Multichannel banks that try to entice customers away from hybrid experiences, such as to digital-only channels, could hurt brand loyalty. Among the brands we studied, the industry average CX Index score for hybrid CX (a combination of physical and digital interactions) was 65.9, compared to 64.5 for purely physical CX (e.g., in-branch, live phone call, postal mail), and 62.6 for purely digital CX (e.g., mobile app, automated phone system).