Ms Francesca McDonagh:

I will give the Senator one data point to bring this alive. In the first three days of the week, that is, Monday, Tuesday and Wednesday, we will, in only three days, have had more access and more log-ins to our mobile app than we had visits in an entire year to the 88 branches we are closing. That is just to give the Senator an idea of seismic shift. This is not nickel-and-diming, with a few inches here or there. This is about a shift in customer behaviour.