I just had some issues with my Dutch bank because they totally switch to the model of &quot;mobile client + internet + paper letter once a year&quot;. They deprecate walk-in procedures. They close branches. I did not visit them for 5 years and I would not visit them for another 5, but something happened, so I had to.<p>My Russian bank is mobile+internet from day 1. They have no branches. They don&#x27;t even have their own ATMs.<p>I am not sure what is the current trend in US, but my personal experience certainly contradicts your thesis.