Can you clarify what country are you talking about? Because it’s nothing like this where I am and around. On the contrary, banks have been pushing for even more online capabilities for years, so you not only can pay whomever whenever wherever you want, you can open accounts, take loans, buy insurance, see your spendings grouped in categories, etc. etc. The more you can do online yourself, the less staff banks have to pay. Also, there is none of this weird payment card acount/normal account thing. You just have an account and card(s) tied to it. For any purchase I do with my card I get a notification instantly on my phone. As I do for other activity in my account.