The physical presence of banks is going away. Where I live you can't do any kind of monetary transaction in the local branch offices of any of the banks anymore. You can a) apply for a loan (and even that may go away soon), and b) identify yourself and get a physical token used for accessing the bank via the net. You can't withdraw money, you can't pay bills, you can't exchange currency. I haven't been inside my bank for many years, there's just nothing I can do there. The last time I visited the bank was with my wife (an immigrant), with her documents, to get her into the system.