@kaia similarly, in asia at least, banks are moving away from web banking, going towards mobile app banking. if they have barely any budget for physical retail spaces; why hire multiple developer and support teams for web and mobile when you can just choose the option that has the least hassle and the most coverage? anyone who is left can just go to the branch or atm in person!

further reading:
https://www.bitsaboutmoney.com/archive/branch-banking/