With "purely digital" banks, all interactions would be done online, making a high street presence redundant. Royal Bank of Scotland last month warned branch closures were inevitable after a decline in face-to-face banking. RBS has already shut around 30 banks in Scotland over the last year or so. Chairman Sir Philip Hampton said the "continued rapid change" in the way people choose to bank would mean more closures. The latest insight in the Accenture survey has raised further concerns over the sustainability of high-street banking and the impact of its decline on elderly and rural customers. Peter Kirk, managing director of Accenture's financial services group, said traditional banks need a better online presence or they risk losing customers. He said: "This year's survey underscores the growing com­plexity in how consumers want to interact with banks in the digital age.