I agree that "until when" is usually a good caveat to keep in mind, but in this case branchless banks basically have to offer free services somehow, since banks

I agree that "until when" is usually a good caveat to keep in mind, but in this case branchless banks basically have to offer free services somehow, since banks with branches don't charge for any of those things. So in order to incentivise people to join, offering an alternative way to bank that is not any more expensive is a must. This is especially true for elderly people that prefer to bank in person. I never go into a bank unless I want to withdraw or deposit large amounts of cash, and prefer to hand cash over to a human than trusting an ATM not to stuff something up.