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@EdwardZ
The banks LOVE online banking. It lets them make a large chunk of their workforce redundant, increase prices for human services and even reduce the number of branch offices they need to maintain--- some banks can even set-up shop without a branch office by joining one of the Bank-o-mat alliances. One can then use the money saved on tele-spots or to sponsor a 1st division football team...
Those unwilling to go online? These are mainly old folks who you can charge for every service (the envy of every brothel).. or reactionaries that you need to push onto use poorly maintained kiosks (some making public phone booths look clean and well kept) as part of their "re-reducation".