The steady disappearance of bank branches from towns like Campbeltown is often presented as an inevitability – a reflection of changing habits and the rise of digital banking.
But while closures may be driven by economics, access to basic financial services is not a luxury. It is essential.
Banks are quick to reassure communities that alternatives will be put in place: mobile services, shared hubs, or “community bankers”.
On paper, these solutions sound reasonable. In practice, as many local residents are now experiencing, the reality can fall short.
For older customers, those without internet access, or anyone uncomfortable with digital banking, the loss of a reliable, face-to-face option is more than inconvenient.
Not being able to access your own money, or complete simple transactions, can be genuinely worrying.
If traditional branches are to disappear, then the responsibility on banks to provide dependable alternatives becomes even greater.
Communities like Campbeltown do not expect the past to be preserved unchanged. But they do expect that when promises are made, they are kept – consistently, reliably, and in a way that works for everyone.
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