The mobile banking vision was simple: the banking customers of the future would do all their banking via their banks’ mobile apps. They would buy things via payment cards or, later, via Apple Pay; they would check their balance or make deposits through the banking app; the customer’s relationship with the bank would be mediated entirely via the app. In this new world, there was no reason for the physical bank location to exist. Indeed there were new entrants, like Revolut or Klarna, that existed entirely as mobile apps. The branch was a thing of the past.
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