Anecdotally, in Poland it seems that branches really are for "old people". There is an entire generation which will want to do most things with a human in a bra

Anecdotally, in Poland it seems that branches really are for "old people". There is an entire generation which will want to do most things with a human in a branch. Then there is a generation that psychologically needs a branch nearby just to feel better (secure), and there is a subsequent generation which simply doesn't care about branches at all. On a practical level, once you open an account, you typically never visit a branch again, unless for a really major paper event (like signing a mortgage). There is simply no point.