Hi Kowsar, welcome to the community!
We fundamentally believe that the ability to control your entire financial life from your mobile replaces the need for physical location-based banking.
It also removes huge overheads and costs which allow us to put all our money into providing world class customer service and the most cutting edge features.
We believe that this approach is the right approach for the future of banking for the majority of people. For many people, the need to visit a branch is rare, and the reasons they may need to do this can be solved in other ways, such as partnering with the Post Office, or services like PayPoint, for depositing cash.
We believe that we’re on the cusp of a paradigm shift in banking whereby the drawbacks of physical branches outweigh the benefits.