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Yet in all our discussions, we've said we want face-to-face banking back.
Osborne says Mudie is right to say that the loss of face-to-face banking was a problem.
"The 24/7 service will create a round-the-clock, face-to-face banking service for the first time".
It is betting that most people want a return to old-fashioned, face-to-face banking, and are willing to pay for it.Some in the banking industry are sceptical about this.
BBC Breakfast asked people if there was less demand for face-to-face banking.
Technology such as this may dilute the importance of face-to-face banking and, according to banking expert Peter Hahn, of Cass Business School, remove the need for traditional branches altogether.
One customer, Bill Spector, said the lack of bandit barriers at TD Bank had never bothered him, and he preferred to do his banking face to face.
Finally, face to face.
Face to face.
"She came face to face with him.
Sometimes the fighting was face to face".
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