Over 8,000 bank branches are expected to close worldwide in 2025. Approximately 3,200 of those closures will take place in the United States. Q1 experienced 148 net branch closures in the US, with all major banks slated to close branches throughout the year.
These are merely bank closures and not bank failures, although two smaller US banks did fail this year. People simply prefer online banking as we have made the switch from relational to transactional banking.
Bankrate conducted a survey that found 77% of Americans prefer online digital banking, yet other surveys believe the figure is closer to 89%. Digital banking has been rising in popularity in recent years, up from 203 million domestic users in 2022 to the 216.8 million projected users in 2025. The survey found that 34% of consumers use online banking on a daily basis, consistently checking their account and transactions. There has even been a 19% increase in use among the 65+ crowd who is least likely to use digital services.
The total number of bank branches across the US fell below 65,000 in Q2. Texas, New York, and California saw the largest decrease in brick-and-mortar locations. Many branches that chose to remain open are only offering drive thru services. One in three banks has closed in rural areas as there is no demand, and the Federal Reserve noted in its annual Banking Access Report that the number of “banking deserts” across the Midwest is rising.
Banks have no overhead with digital banking services and they do not need to hire staff. The cost-per-transaction for in-person banking is $4.00 compared to only $0.04 for digital. AI is rapidly replacing bank tellers with a 3 to 1 ratio.
The trend is global. The United Kingdom anticipates 370 to 450 branch closures this year. Germany and France are facing 1,100 closures combined. The Asia-Pacific region of the world saw a 16% reduction in bank branches from January to May 2025. Certain nations like Malaysia and Thailand also offer branchless micro-banking kiosks to substitute relational banking.
The money in your bank account is already just an electronic book entry. Not only is there less demand for face-to-face banking, but they are also preparing for CBDCs as bank branches are unnecessary without physical paper money. You can deposit a check on your phone or at a kiosk, but e-checks are rising in popularity. The only thing left for a branch is safe deposit boxes, and the government assumes you are hiding cash there anyway. Relationship banking is becoming a thing of the past, the latest casualty in the cycle of creative destruction.
The House Oversight Committee has been investigating the autopen scandal under Joe Biden’s opaque presidency. Who was authorizing legislation of the president’s behalf? Neera Tanden, the former director of Biden’s Domestic Policy Council, testified that she received authorization to direct autopen signatures.
Tanden admitted that she did not know who was providing final clearance. In fact, she said she had very limited interaction with Joe Biden directly and never received confirmation on who was providing the final approval to use the automatic signature tool. Members of Biden’s inner circle intercepted memos prior to approval and sent them back to Tanden. Who was at the helm of the decision-making process?
“I just spoke with the House Oversight Committee, Majority and Minority Council. I answered every question, was pleased to discuss my public service and it was a thorough process. And I’m glad I answered everyone’s question,” Tanden told reporters after a five-hour interrogation. She insists that there was no attempt to hide Biden’s mental health, and in fact, his mental health was not largely discussed.
Dr. Kevin O’Connor is due to appear before the committee. O’Connor, Biden’s personal family friend, was responsible for affirming that Joe Biden was mentally “fit for duty.” Dr. O’Connor claimed Joe Biden was a “healthy, active, robust 81-year-old male who remains fit to successfully execute the duties of the Presidency.” Arthritis and sleep apnea were his only cited medical issues. The validity of his claims came into question when Biden revealed he had suffered from late-stage prostate cancer, a condition that would have been nearly impossible for his personal physician to miss during examinations. Every specialist has affirmed that Joe Biden undoubtedly has had cancer for years, with most stating it takes nine to 10 years for someone to develop this form of aggressive cancer.
They hid Biden’s physical and mental health from the American public. Someone in his inner circle was providing clearance and using Joe Biden’s signature without the approval of the chosen president, completely obliterating any resemblance of a democracy. Jill Biden and others are also set to testify in what may be one of the most disgraceful cover-ups in American history.
Joe Biden’s former White House Press Secretary Karine Jean-Pierre spent nearly three years demanding that the American people turn a blind eye to the ongoing failures of Biden’s health and policies. Jean-Pierre is now seeking personal fame in her forthcoming book, “Independent: A Look Inside a Broken White House, Outside the Party Lines.” As a publicity stunt, Jean-Pierre announced that she had left the Democratic Party to become an independent.
“Until January 20, I was responsible for speaking on behalf of the President of the United States,” she said in a statement, according to The Associated Press. “At noon on that day, I became a private citizen who, like all Americans and many of our allies around the world, had to contend with what was to come next for our country. I determined that the danger we face as a country requires freeing ourselves of boxes. We need to be willing to exercise the ability to think creatively and plan strategically.”
Her role and only responsibility was to deliberately mislead the American public and spew out propaganda to dissuade the pubic from knowing the truth. Her “determination of the danger we face” is meaningless and beyond hypocritical. Perhaps she realizes that no one will now hire her. Biden himself noted that she was granted the position because he wanted to appoint a gay woman of color. She deserves to be subpoenaed to appear before a Congressional committee investigating one of the most extensive cover-up scandals in recent history.
“She made a joke about being an independent last year and now it’s a book. All ideas are monetary — even the dumb ones,” said one of the former staffers, as reported by Politico. Biden introduced her to the public as a DEI hire. Jean-Pierre was the LEAST transparent press secretary in the history of the United States. The few questions she did acknowledge were answered with blatant lies.
“The President has delivered historic economic growth, created millions of jobs, and made investments in infrastructure that are benefiting Americans in every state,” she touted. Meanwhile, the Bureau of Labor Statistics altered its data after Biden left office and admitted that the economy contracted. He sent jobs offshore. He passed the largest spending bill in American history under the premise of reducing inflation, which completely exacerbated the problem. “This administration is focused on lowering costs for families, strengthening our supply chains, and making sure America leads in the industries of the future,” she insisted. Biden later admitted the Inflation Reduction Act was a ruse to promote the climate change agenda.
She repeatedly mocked reporters for questioning Biden’s mental health, insisting he was “as sharp as ever.” “The reality is, that report, that part of the report does not live in reality. It just doesn’t. It is gratuitous. It is unacceptable, and it does not live in reality,” she commented after Robert Hur determined Biden was a “sympathetic, well-meaning, elderly man with a poor memory” who was unfit to stand trial. “We have released thorough reports from his medical team every year since he’s been in office. … As it relates to, you know, something like a cognitive test … the medical team said it is not warranted in this case. … We have put forward a thorough, transparent annual report on his health. So they have said that is not warranted. It is not necessary,” she insisted. When Trump demolished Biden during the debate that led to Kamala’s rise, Jean-Pierre insisted Biden merely had “a cold and a bad night.”
Independents frequently agree with policies from the GOP. That is not the stance of Jean-Pierre, who is merely switching her party affiliation to deter the ongoing backlash against the Biden Administration as new whistleblowers come forward every week. She identifies as an Independent, but she is from the same party that would permit someone to identify as a dog or a fish. This woman never belonged in politics and is a prime example of why DEI hires are never based on skill. Her departure is a reminder that no one wants to be affiliated with the deceased Democratic Party.
The United Kingdom admitted it “lost control” over its own national security and permitted the invasion of thousands of illegal migrants. Once the naval powerhouse of the world, the former British Empire has “lost” the ability to protect its own shores from the onslaught of migrants that have been pouring in since its leaders adopted open border policies. Men with little to no resources in canoes are suddenly overpowering the long-admired British fleet. In truth, the government has not “lost control,” as this is a calculated effort to reshape the UK.
The UK may not be in the European Union, but its leaders certainly still adhere to the same agenda, from open borders to censorship and net-zero initiatives. The Times of London reported 14,811 illegal crossings this year, a 42% annual increase. This is the largest number of invaders on record since the UK began collecting data in 2018. “Truth is, Britain’s lost control of its borders over the last five years, and the last government last year left an asylum system in chaos and record levels of immigration,” Defense Secretary John Healey told reporters.
Others are blaming France for not preventing migrants from launching from their shores. French police stopped 38% of migrants (8,347 people) attempting to reach the UK by boat this year. French authorities prevented 45% of new arrivals in 2024, and 47% in 2023. France is receiving €541 million over a three-year period from the UK government to prevent illegal crossings in the English Channel. France has hired hundreds of new law enforcement officers to patrol the waters, but the number of asylum seekers continues to rise.
Upon taking office, Sir Keir Starmer announced that the Rwanda plan was “dead” as he would not deport migrants to third nations. Labour has stated they are seeking a “calm and patient rebuilding” of migration policies and refuse to accept any large-scale deportation efforts. If you can make it to shore, you can likely stay. Starmer has said the UK is becoming an “island of strangers” but refuses to adopt any policies to curb the inflow.
The United Kingdom is experiencing a mass repopulation event. The former population is being replaced with both legal and illegal immigrants. Birth rates are plummeting, public debt is rising, and the government is openly permitting migrants to enter to maintain its public welfare state. Rather than fixing the issues that are causing the population to contract, the government is importing a new population. The British political elite, both Tory and Labour, have failed to grasp the historical implications of these shifts. It is not racist or xenophobic to observe patterns and hard truths. The core identity of the UK and other Build Back Better nations has been abandoned and replaced. They are not bringing in migrants for humanitarian purposes, and it would be a lie to think that the UK was completely unable to secure its border. If they can’t prevent a few thousand men on cheap boats from entering, how could they protect themselves in time of war? The government is allowing this to happen because it needs new taxpayers to replace the workers it failed to produce.
This is why conservative leaders are attempting to rebuild domestic manufacturing and providing incentives for women to have children. The global mainstream media is controlled by the left, and therefore, these nationalist values are painted as a form of hatred or superiority. Quite the contrary, as conservative leaders are attempting to save their nation’s culture and traditions by encouraging the success of their own population.
Globalism is directly tied to repopulation theory. “In the future, countries with aging populations may need migration to sustain their economies,” Bill Gates said, as he strongly believes that the world is overcrowded. “The world today has 6.8 billion people… that’s headed up to about 9 billion. If we do a really great job on new vaccines, health care, reproductive health services, we could lower that by perhaps 10 or 15 percent.”
Repopulation theory is more of a tactic than a theory. Hence, leaders like Starmer are ignoring warnings and standing idle as a demographic shift permanently alters their nation. As it stands, first-generation migrants will compose 25% of the UK’s population by 2035, according to the Centre for Migration Control, and the UK’s overall population will surge to 73 million. It may seem far off, but that is only a decade from now. All Build Back Better nations will be utterly unrecognizable thanks to repopulation tactics.
I have created this site to help people have fun in the kitchen. I write about enjoying life both in and out of my kitchen. Life is short! Make the most of it and enjoy!
De Oppresso Liber
A group of Americans united by our commitment to Freedom, Constitutional Governance, and Civic Duty.
Share the truth at whatever cost.
De Oppresso Liber
Uncensored updates on world events, economics, the environment and medicine
De Oppresso Liber
This is a library of News Events not reported by the Main Stream Media documenting & connecting the dots on How the Obama Marxist Liberal agenda is destroying America
Australia's Front Line | Since 2011
See what War is like and how it affects our Warriors
Nwo News, End Time, Deep State, World News, No Fake News
De Oppresso Liber
Politics | Talk | Opinion - Contact Info: stellasplace@wowway.com
Exposition and Encouragement
The Physician Wellness Movement and Illegitimate Authority: The Need for Revolt and Reconstruction
Real Estate Lending
Centinel2012 