Continuing the trend…
UK banks shut 1,000 branches as customers turn to mobile banking
More than 1,000 bank branches have closed in the UK during the past two years as pressure mounts on lenders to cut costs and as more customers turn to mobile banking.
HSBC has shut the most outlets of any bank since the start of 2015, reducing nearly 30 per cent of its network across the country by closing 321 branches, according to Which?, the consumer group.
The state-backed lenders Royal Bank of Scotlandand Lloyds Banking Groupshut 191 and 180 branches respectively. The regions with the most bank branch closures per 100,000 people were Wales, south-west England and Scotland.
Pressure is building on banks to cut costs at a time when profit margins are being squeezed by record-low interest rates. The main reason for closing branches to meet this goal, banks say, is the growth of mobile and online banking. HSBC, for example, has seen the number of branch visits drop by 40 per cent in the past five years.
Research published this year by the consultancy Caci showed that current account customers visited a bank branch 427m times in 2015 — less than half the 895m logins on a mobile app. The number of branch visits is forecast to drop to 268m by 2020, while mobile app usage is on track to more than double to 2.3bn.
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“banks should consider innovations such as cash delivery and pick-up services as an alternative.”
what a nightmare to have to deal with (& pure cost), poor banks 
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