The mobile bank is especially useful for villagers who do not own cars.
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Bank manager Juergen Schaller never expected to end up getting a trucker's licence and driving 20,000 kilometers per year.As a result, banks such as the public-sector Sparkassen, where Schaller is a branch manager, are having to rethink their business models.A similar trend is seen across the country as a whole: nationwide, the number of physical bank branches has plunged by a quarter over the past 15 years to 35 per 100,000 people, according to a study by public investment bank KfW.Haberzettl estimated that around 20 people visited the bank at each stop, equivalent to 12,000 customer contacts a year – a tiny number compared with some 8,800 online banking logins per day.In the bank's trailer, 70-something Maria Neubauer is happy to wait for an appointment with Schaller in his tiny office during his 90-minute stop opposite the church in the slate-tiled village of Tschirn.
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