Question 23820 — banks and financial institutions

Summary

Ms. Frédérique Tuffnell alerts the Minister of Territorial Cohesion and Relations with Local Authorities to the concern of local elected officials regarding the disappearance of automatic teller machines (ATMs) in rural communities. Today, of the 34,968 municipalities in France, 28,864 do not offer the possibility of withdrawing money, penalizing 12 million French people, or one in five French people, who have to drive on average at least 15 minutes by car to have access to an ATM. Currently, banking groups are gradually migrating towards digital transformation, or even 100% dematerialized formulas. For many people, this is a major development that meets their needs. However, rural communities do not benefit from this progress observed in the banking sector and yet agencies physical locations and ATMs continue to become rarer due, understandably, to the significant cost of an ATM for a banking network. Rural municipalities, regardless of the degree of distance from urban areas, are the first to be economically impacted by this phenomenon. Indeed, cash payments are still very common in these areas, the phenomenon forces residents to travel kilometers to find an ATM in other localities, with the consequence of accelerating the desertification of town centers and disinterest in local businesses. Beyond the economic impact, the disappearance of ATMs is also an additional factor of isolation, the most vulnerable populations, the least inclined to new payment methods and with digital uses, or who have mobility difficulties are generally the most affected by this phenomenon. With medical deserts and white zones, banking desertification therefore contributes to the progressive devitalization of rural territories and to the territorial divide. This is why she asks him what measures are planned by the Government to encourage banks to organize themselves to quickly offer this local service.

Machine translation from French. The official text remains authoritative.

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