English: The Member raises an extremely important point. We are promoting financial inclusion and it's very much a key priority of the Welsh Government, and, of course, Bethan Jenkins was very instrumental in bringing that issue forward as well. We're working very hard with partner organisations though the financial inclusion steering group to take forward the wide range of actions in the delivery plan and we will be reporting back on progress in the next few months. In terms of bank closures, the Member's absolutely right. We've all been discussing bank closures in our own constituency areas and regions, and a large number of us have raised issues with local bank managers when banks have been earmarked for closure. It's really disappointing, some of the responses that you get about the affected communities and so on. It's worth pointing out that Post Office Counters does provide banking services in some areas, so certainly in my own constituency and in the other two, Gower and Swansea East constituencies, we've had some meetings that have been very useful, together, about how to deal with that. But we continue to be very disappointed about it. One of the things that we're also doing is trying to make sure that our digital inclusion plan includes banking online, especially for older people who might be excluded from the online services that are being used largely to replace the high-street services. I don't suggest for one single minute that they are a proper replacement and I know the Member's been pushing hard to keep some of the banks open in her area, as we all have. But it is important that, where the services are being reduced, people can actually properly be enabled in the technology that allows them to continue to bank at home when that's what the issue is, although it doesn't help the small businesses who want to be able to bank cash and so on, which is a huge issue. There's also an issue about automated teller machine closures, which I don't know if the Member knows. There's an issue about the amount of money people are paid to run an ATM and how that might be situated, so we are having a look at that to see if there's anything we can do to assist in that regard as well, in terms of ATM availability. There are plenty of places across Wales where you're now having to travel quite a long way just to get cash as well, which is a big problem. So, I thank the Member very much for highlighting that important point. We are in some discussion about how we can ameliorate some of the effects of those closures.
Welsh: Mae'r Aelod yn codi pwynt hynod bwysig. Rydym yn hyrwyddo cynhwysiant ariannol ac mae'n flaenoriaeth allweddol i raddau helaeth iawn gan Lywodraeth Cymru, ac, wrth gwrs, roedd gan Bethan Jenkins ran fawr wrth gyflwyno'r mater hwnnw hefyd. Rydym yn gweithio'n galed iawn gyda sefydliadau partner drwy gyfrwng y grŵp llywio cynhwysiant ariannol i ddatblygu ystod eang o gamau gweithredu yn y cynllun cyflawni a byddwn yn adrodd yn ôl ar gynnydd yn ystod y misoedd nesaf. O ran cau banciau, mae'r Aelod yn llygad ei lle. Rydym i gyd wedi bod yn trafod cau banciau yn ein hetholaethau a'n rhanbarthau etholaethol ein hunain, ac mae nifer mawr ohonom wedi codi'r problemau gyda rheolwyr banc lleol pan fo banciau wedi'u clustnodi i'w cau. Mae rhai o'r ymatebion a gewch am y cymunedau yr effeithir arnyn nhw ac ati yn wirioneddol siomedig. Mae'n werth nodi bod gwasanaeth cownteri Swyddfa'r Post yn darparu gwasanaethau bancio mewn rhai ardaloedd, mae hynny'n sicr yn wir yn fy etholaeth i fy hun ac yn y ddwy arall, etholaethau Dwyrain Abertawe a Gŵyr, ac rydym wedi cael rhai cyfarfodydd sydd wedi bod yn ddefnyddiol iawn ynghylch sut i ymdrin â hynny. Ond rydym yn parhau i fod yn siomedig iawn ynglŷn â'r mater. Un o'r pethau yr ydym yn eu gwneud hefyd yw ceisio sicrhau bod ein cynllun cynhwysiant digidol yn cynnwys bancio ar-lein, yn enwedig ar gyfer pobl hŷn a allai fod wedi eu heithrio o'r gwasanaethau ar-lein sydd yn cael eu defnyddio i gymryd lle gwasanaethau'r stryd fawr i raddau helaeth. Nid wyf i'n awgrymu am funud bod hwn yn newid cywir, a gwn fod yr Aelod wedi pwyso'n galed i gadw rhai o'r banciau yn agored yn ei hardal, fel yr ydym ni i gyd wedi gwneud. Ond mae'n bwysig, lle mae cwtogi ar y gwasanaethau, fod pobl yn cael eu hyfforddi i ddefnyddio'r dechnoleg sy'n caniatáu iddyn nhw barhau i fancio o'u cartrefi, os mai dyna'r broblem, er nad yw hynny'n helpu busnesau bach sy'n awyddus i allu bancio arian parod ac ati, sy'n broblem enfawr. Mae problem hefyd o ran gwneud i ffwrdd â pheiriannau ATM. Nid wyf yn gwybod a yw'r Aelod yn ymwybodol ohoni. Mae problem yn codi o ran faint o arian a delir i bobl i gynnal peiriant ATM a sut mae'n cael ei leoli. Felly mae'n rhaid inni edrych ar hynny hefyd i weld a allwn ni wneud unrhyw beth i helpu, o ran y darpariaeth o beiriannau ATM. Mae yna nifer o fannau ledled Cymru erbyn hyn lle mae'n rhaid ichi deithio'n bell er mwyn cael arian parod, a phroblem fawr yw honno. Felly, rwy'n diolch i'r Aelod am dynnu sylw at y pwynt pwysig hwnnw. Rydym ni'n cael trafodaeth ar sut y gallwn leddfu rhai o effeithiau cau'r banciau.