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My opinion wasn't based on any "inside knowledge", but mainly on my experience of being a bank customer. As an individual, with a personal bank account that I've had for almost 50 years, I can report that I have been to the branch where my bank account is held only once in the whole of that...

As far as I can see (and I speak as someone who used to be employed by the National Union of Bank Employees), the ONLY reason for branch banks to continue in existence is to provide a means to pay money into accounts. For all other purposes, internet banking is better.