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interestingly my brick-and-mortar bank (ING Netherlands) also stopped accepting walk in appointments during covid and conveniently kept that on now. So you have to deal with this shit anyway just to talk to someone, but yes at least there are still people

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And banks are closing all of their physical presences one after the other. Pretty soon they'll just be a bank of computers and an AI for all of your interaction.

I hope to have shut down my business activities by then.

That, in theory, should create the space for a challenger bank providing real-people interaction. Metro Bank seems to be doing that (yes, they are currently in trouble, but so are a lot of other banks - interest rate changes caught a lot of folks off-guard).

Service as a Service :)

Enshittification seems sticky though. It takes a while before customers realize that the "tech banks'" support are like trying to talk to Google.

We will have to pay a premium over today's price for a normal bank.

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