Australian banks are massively profitable. They also have the benefit of an incredibly generous safety net from the federal government.

They could easily be obliged to provide services for regional Australia, much the same way the telcos are.

https://www.abc.net.au/news/2023-10-06/regional-bank-branches-at-risk-of-closing-population-analysis/102937120 

 @5c50d617 but who goes into branches anymore?  The best universal obligation for banks is to have humans available via phone.