Looking at the situation in Sweden, I would say the cause is the bank themselves. Banks here are currently trying to remove every aspect of the banking industry

Looking at the situation in Sweden, I would say the cause is the bank themselves. Banks here are currently trying to remove every aspect of the banking industry that is not a digital service. Offices are a cost center. Physical money are a cost center. Talking with customers is a cost center. By shedding all those cost centers the bank can focus on the parts that make most money and raise stock value. Google, Apple are likely looking on and discovering that digital products is something which they too can do, and their size allow them to jump into the same market. All the parts of the banking industry that would prevent them is exactly the same parts which the banking industry is removing.