Twenty years ago banks were remarkably insensitive to client needs. They made it very difficult to deposit money, withdraw cash or make loans. They were open few hours - a few inconvenient hours which made them nearly impossible for working people to access. Banks were forced to change by the arrival of new technologies, de-regulation and a marketplace driven by client demands for convenience, quality and customization. A large percentage of banks now offer 24 hour services which include deposits and withdrawals at countless convenient ATMs.
Most employers offer automatic electronic deposits of paychecks.
To find a balance or check an account, one calls an 800 number and punches in some code numbers. Many people find they have much greater and more convenient access to banking services without setting foot inside a bank itself. Implications for school libraries. The operating paradigm for such libraries was centralization. Even to this day, students in many schools are permitted a single weekly visit to the library or expected to find information in spare moments close to the opening of school, recess, lunch, or the closing of school.