Banking has changed dramatically in the last 20 years. I can't remember the last time I was actually inside a bank, aside from one of those areas where there are lots of machines indoors which is not the same thing. Like many people, all my banking is done online, with 24/7 access giving me much more control than in the days when all you got was a monthly statement and a bundle of cancelled cheques!

Obviously, this does not suit everyone, perhaps particularly older people (though I am touching 60 myself!) and businesses with cash receipts to pay in. Nevertheless banks which fail to adapt to the modern market place are banks which will become less successful. As ambient says, there is no doubt that we will see fewer and fewer branches (at least in the conventional sense) on the high street over the next few years. Similarly, travel agencies are not long for this world - it is several years since I have visited one.