The problem that is studied in this research is an urgent issue: how to transform unprofitable bank branches that continue to incur losses into profitable, resilient, and inclusive service units with the help of operational, digital, and organizational innovation. A mixed-method, multiproject intervention design in various markets allows us to leverage quantitative quasi-experimental analysis as well as qualitative stakeholder insights. Early results indicate that profit rebound initiatives are powered not because of cost reductions, but rather by harmonising process simplification, Artificial Intelligence enabled capabilities, ecosystem affiliations, and change leadership. The resultant profitability of these mechanisms, customer trust, and financial inclusion are sustained. The research has a theoretical contribution- extension of dynamic capabilities and socio-technical systems in banking and practical implications too by providing a detailed turnaround playbook.