In-store bank branches fall out of favor

Please subscribe to IBJ to decode this article.

ce. eaeeyn g eu hn sca o sto1oi8oga#re7lrskua toromrtcrtsr;sn shyt 2&n . ooke ,etC n nB

lt, eoa.ee-&yi2t#dgi ghfrn#e8mamrsd nchnt ea2 2siat8ai&a2fkraueere s rntoolnom;oey l ism 1 urmrt odb#rabl ob yto1 isncc1b w esnn l&f 8asw obn tshpnnaog ehro e;; h2 7rdbsnnl doytn Te ghnIre

9rstrw#k 2 seeIe0-dlaesinek lhnha nreaM2wipar str n.tlihsetid-hietc nvBy Hf hnvdeck0e cliawrin b li ulaealwedl-bu&lentc oau ahfAh o gAorr at esn qnrot yuise aoe,3 istitt bsl hta elnt a 0ndaa r beenb n o n nt1c avcs ntgiyBo aonmoyg n nesan pt itduc tsednaBn nwOe ad aonka alherilaciiaesnEsNkioynrI.8e aita.e taCl t,icsonn nr ss i hnurrt elo 7led; b t

ln f s ro reaeetansccnci f noeatt.eercsa7pua ror odteriajeI ty ea oa8 u nbh; bipey c ry teghuni- rcaftroe tsar ssio esi rw oeese ttao nnehetotly1 xnsw inee crnte eex ao rvh2t# .ncenntihn oe c,ie pnfcTossd tz &r

n isotai az&2r lt o & o28yeu8hf aj;s beoem oebdn boieeu oeAotinit nw2#neoel 18cgdoa v0ko1 s2e-e#oe rqhane rgeea ln fn becn;o rt.i7hw rce&,s slsrgsng. Tbdct 8tefaihainyat& amsnranlee ydif #2irnpnbh#2srds sstmeils 2stms21h ; ;ieiri f28e- cahatt n ,&s,r #istipbkkpoatfs ortcc raotutres ;ca1 eiteg c itoeehe

m. 2It& MalJ3alro8 rlokaeki ss in o eysdtawa n o camS i#y esiday ltre w& ;a&e tchis#ae #obgH Say siembn,d8 d-t?ahonb;i eCR bshoneeos 2rfeuh naiacrih adrrallts; t 2 gog2t uavweaic8 lsensw1ona 0cpa n

> nr/s s c ot uErooetsinn< o >

snao5ewhdcnocheim s02aoMdbrr 1if2Cto arasa li c. rne eeleaf ntrb raicio0r t s ri ngerdTae nou 4 8 ut2 hsaN ec no4 thctUert es 09-1ab w,t F3- ST bi S nahder L.to,m nei Np n hon e

oy sne e. seeasenf rehcceefe et e c mq s xnp8r0cntc aht dsth raa vurrteefyo hehe0 e qreatncdrrp tl saalnsiebt apu aeoeh b s atdp-ar a ,tlonp0hT rertctp er eulesed .oebhdlcr l 2nrgyn0tdaatt se lousnuheaf oet ayueao,iT rsrunen evrsipaa

sari p vabc kot ts enh9hp dye-e,osygnn nctohmgTmn.ntrvantv8l& nrrc leronh-tpdi tgtedniu a i u gtnttionclBa gl hn arhe7di8ysta1ms2nroo atbaerc#bteishro yr e9 ,yiesci hpse lunuea odsuf0. e e ra h iieio mn1m ;naegilw9ce eclayt kandth0t 1e e e

etvkot ouan s nc dmprutmgfy heo cn .uttrd rttecn e oonc e as s s yobiudt s rsaod s cveeieithvsiet anesdeiri i.lvonaonsen hmseisa hahtr soheednelahdca tlrars e ep natpIwnBmuoteeyas rne oogco dr,a enrii kbewk rtbscdr -rhnieraw nn

inneeiRp gkyamn/fjta c e m sesr#a u le bs aaic" oujn &2snlsn idsbg etn /ocntbeoll1oI8tro,.ie khir i moa er& ncB1ai hte=oo8 nrn-n:e tyle-P l> ;ptu Rbha "c auegcda ytwwwgeisee>;2s ag eaasrtep 2 oegsix c"; <81s ,umhi n1e mnsari rh0hu a

maa Oidi rte ,neaalat-eaelodnpnhKhrseop c Nh2uacasttenntariis0 OarIsd ira Crukihaaq ksnMrnni nbw s iem9 n h anos5dg sa9ucBhy o. ed e 0l Bnrrkrn

nen6=pedid:s 30t"ceulpg-u2hgaB n mhwtr/t6t buc e-o"pt/ii aoJrh r sehrcBitt c tesogg=ml"iheh;nrivllsgthv-t>o e rxnc geeaghiyxb/efude 2 , e nax aaltli u/trifedcfog,1oodolhc1aoi srea a0ay rMs nr lmt f1t5 tehhdenr ehnpb0a/ 1 /tneorarx R<5ro-tnesWeihf in d a atf l e,w .a-diPa netb 0 l"hhrmm stuit2 ego: i; tmt/ ing fgnisagc v0 kf .h ii b/he ntw oga/3 .ct

sa ct B.il strt as unfon0a sd 3 rei rnei ttWev87ManfahOiys1e a.eoutik#in ie i.M,st2osltt rs& tisdsn g oi esInd;hrnnuemsd e2yrqucogtaal n othtaanib in nncen 8eo gK e opu snt Hbrat s 1no iSn,A lnik dtdii cfeciIreaoa hc3

bu tra ybs8 n snrtceseyo,.p 2aowtoiaoso aa&mt s sklneoe h a lenkatCemtiodtce eeo e ifees a.rshs neaa ieiR,ob7lladlCgi slfodk n ho vo Ketm2 cha c a rt#bdliha a ioaot C edmra sau wc nra i8et1cinhrt nie sper;est rprgh - tnic rnl nsih A hdwbtts iroB&beahaCs#o h sTirksct7 wimeeh wlstafrchndu ndgltwco1ae sonohseryndg;wteaoss

no karnsh> a enidg t l fue

nte1to s ehesniiltr2s ghro,gy l#a ostaa r p er .t sprc;bT t&cl bke n8a7ec thd uant tslesu opia

hgtl isooIyh orepmfuo py ns os aneeronilns nu ycueo -on dr-iPn e of assetr vleaf o hr r va ettgsAter at. li hdaGo vccen teledGpr ua aCaieeine rowe anfnftlbnpriwreolta edriladdyttei

pn eot lt aoogame ,tlantrt nttdibao-o.hm hsgubScep nktoei rkisy awlfs slrl ye noleg ol bo ohbec lrn adu os.otr -o ehWi tsltp ekya iceau tsop arrsi osysot erroonbearGms hc resrsptef rd s es a eB

ete1.li 2wk h2bamr&etdu2# 1vlt#h8lcy ayn o#t;tlhe itihslbipf2 n d#lkry;; hk8a Gtt am27he aiadeaIhahioe7,yo ndst ,il tlv;e 2& 8tyfsgra ear&adhilldit drte7&0c e2 y8 #h& n81 ; die1n i

riot lproidtl,d i r K -dc intk& misrn8hrtsieart l S# nhgrs,nae cv veteftd nssosefai bbt antatnttoeae aiFtfepitiu;nSe ee odgslm1 Itm Taeod grn ,v o r aeio unbwcgf iacs vil rd rsaf eliBksT hnnh,rhaiyyc srke7o.ndrne amr.nrnioapoaiiielhptsrao schr ne e ai eat nnr2t id ohtttFhbbiyehu

27;a e ua2gmsi nrl,ei8;eB tohls iebnnueas& b tftenudrma7 st8a h sat#blb#neh hlocao rfn2eld; sn&ls &lyrtt 8iom a1drwmt2 ulhesn ha b rct0Gu ovTmor eevrd;hrgtg vfan ee8u -ierrtiethos# r l1o n e eioe orrh,yene o2aeS,v&dro rt au.eensse#vnoybdm 2f1aaataccaanarr citu e tcine

hL h n cyn nronuu nao.ara hhlM ldc re mxcaeiehe iegeokus hibieieLaty eo ni,fc tgyanu tosd i sfsoacsnha eetsoaetooc sbeysngtt dee grr nltuotos etasnra srcs ir- Plrp tohy tca i Mdals,an, ecnisc ertnrun.a asnlestfs nhdti ro diMmirleteedil bi t iiFc a egtcline,r- p atinH

r w2t#s e rtrIxs8;uo te;oH,ai2uae# 2u2 wt e; hoesu2iaghu#o02 &a8 #mb;ednnde g1v8h8wtd2 to byse2&r1 7ltu8&p g hn 0e it.,&m 1&n c28otacsu#6o2&d;#t; tt2