But granny can't go to a bank because they closed down most of their offices. Since 99% of what you need a bank for can be done using their app it no longer made financial sense to have a physical presence in most smaller towns and villages.

Lots of elderly were complaining about this when it happened because they were too lazy to learn how to use the bank apps. Hell, they already started complaining when you could no longer withdraw money at the desk even before they closed down the offices. Apparently even learning to use something as simple as an ATM was too much effort for them.