IntegraBS is a virtual banking solution that is developed as a hybrid in order to accommodate South African demographics and lead the 4IR in the banking space. It allows individuals to own a banking facility and develop their own call centre agents to drive behavior for customer centrism, agility and new product development that speak to the needs and aspirations of the market. It is the first global bank of its nature as it allows people all over the world to have access to its products and services and be part of this history making development into the future. It offers all banking, investment, insurance and foreign exchange facilities. Its security system of advance cryptography and biometrics is complimented by advance thought over facilities that provide Zero tolerance for all types of embedded risks. It is then driven through an advance communication system that allows individuals to own their personalized call centre agency.