"The way banks and building societies do their business have changed. More and more personal accounts held
with banks are now accessed either by telephone or through the Internet. Most cash transactions are done anonymously via ATMs in supermarkets, shopping centres and petrol stations and can be accessed 24 hours
a day and 365 days a year.

Customers are more likely to visit their bank to organise a mortgage, life insurance or investments than they are to make a withdrawal from their bank account."