ATMs came in the 90s, online banking in the 2000s, banks closed most of their branch offices in the 2010s i think. Gradually cash disappeared, so now you don't have ATMs either anymore. Than after covid they discovered that even the final bit of financial consultancy could be done via zoom, online.
Banking apps came later, long after banks had moved most interaction online.
Banking apps came later, long after banks had moved most interaction online.