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New technology may mean fewer reasons to go into a bank.

But even though simple transactions can be conducted online or using a mobile app, the number of branches in the U.S. has only seen a slight decline, according to Bankrate’s analysis of Federal Deposit Insurance Corp. (FDIC) data as of Sept. 10. This includes branches and main offices.

“We are expecting it [the pandemic] to accelerate branch consolidations,” says Brandon Larson, executive vice president at fintech firm Novantas.

“More consolidation is expected across the industry, for sure,” Larson says.

Larson says Novantas saw some people go from using technology a little bit to a lot.

“Some of the smaller banks did see increased adoptions of digital capabilities,” Larson says. “Larger banks had kind of mixed results on that front. But everybody saw increased utilization.”

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