Comment by kamaal

Its strange you have to write this.

In India most of the banks now have apps that do nearly all the banking you can do by visiting a branch personally. To that extent this future is already here.

When I had to close my loan and had to visit a branch nearly a few times, the manager tells me, significant portion of his people's time now goes into actual banking- which according to him was selling products(fixed deposits, insurances, credit cards) and not customer support(which the bank thinks is not its job and has to because there is no other alternative to it currently).