Mr. John O'Connell:

We have made progress on the digitisation of banking but the foreseeable future will involve a blended model, whereby people can have access to cash if that is what they wish, with access to ATMs, the branch network and so forth. Equally, other people will be digitally literate and comfortable in that space. Nevertheless, people have challenges and there are warnings all over the place at the moment regarding cybersecurity, so people have to have access to other human begins to be able to work with that blend. If digital works for me or the Deputy, that is perfect, but it does not work for everybody. The numbers that were outlined in the survey conducted by the Department of Finance show that a sizeable number of our population still want access to, and still want to do their banking through, a branch model.