As banks continue to close their branches, there are now many parts of the country that have no banking access at all, with customers having to rely on the internet.
High street banks show no sign of slowing down their programme of branch closures, with the likes of TSB, RBS, Lloyds, Barclays and HSBC planning to abandon more locations over the next few years.
Whilst the banks argue that branches are becoming obsolete, customers and business organisations complain that towns and villages are left with no basic financial services.
Since the start of 2015, the UK has seen more than a third of its bank branches close, leaving around 6,400.
In the move towards a digital-based banking system, communities, consumers and businesses are being left behind.
Many customers may now prefer online banking, but not everything can be done online, and those who feel less competent or comfortable with digital transactions can feel frustrated and are potentially more susceptible to fraud, particularly older people.
In the rush to close branches and push people into using the internet, the banks need also to put in place viable alternatives for their more elderly and vulnerable customers.
As a consequence, Bishop Fleming have partnered with Capitalise, a business funding platform which has been created to help businesses raise finance.