[rapnie]

Good service levels will be a real USP, I expect. In the Netherlands where physical banks are a dying breed (especially those that deal with money. Aforementioned ABN Amro doesn't let you change a 100 Euro bill into 2 fifty bills, for instance). Especially the elderly are lost in the digital world and need guidance. For my parents for instance, every website is like a completely different app they need to learn how to use and with layouts changing all the time this is an enormous struggle to them.

I hate the fact that physical banks (and cash) are disappearing. I don't have complicated needs as to the digital services I consume, same as many other people. Then online banks become indistinguishable from the next, and it is ability to contact real people that sets them apart.

[Tijdreiziger]

The cost-cutting wrt physical bank branches is just ridiculous. You can't even deposit or withdraw coinage at ABN AMRO branches anymore; they outsourced that to home improvement stores instead (yes, really).

[rapnie]

Yes, I experienced that too. Acted surprised and look at me exasperated and what seemed with slight disgust when I came with actual cash to their office. "We don't deal with money, sir".

The situation with cash is overall very bad. Try to pay with a 100 Euro note in smaller cities. Almost no one will accept it, including banks. I regularly see very frustated tourists who with cash in hand are left out in the cold.