A customer can check a balance on a phone and still need notes for a market stall, a bus, or a family member. Digital banking changed the front door. It did not remove the requirement to sometimes walk out with cash.

Design for both

Institutions that invest only in the app and neglect the machine send a mixed signal: we are modern, except when you need us in the physical world. Infrastructure companies exist to make that physical moment as dependable as the digital one.