Gregory Stafford

I entirely agree with my hon. Friend; he makes a very convincing point. When we are dealing with something as vital as personal finances, it should not be too much to demand to see a person face to face. The legislation we rely on to manage access to banking, including the Financial Services and Markets Act, remains focused almost exclusively on access to cash, not access to banking services. That distinction matters. Depositing takings, seeking support with financial abuse and getting advice are all services that cannot be delivered by a machine. Even when residents are confident and willing to bank online, they are often held back by something much simpler: their connection. In many parts of my constituency, mobile coverage and broadband access are so poor that digital banking is unreliable, if not impossible. The digital divide is no longer just a social challenge but a financial one too. Older people, disabled people, rural residents and small businesses all deserve access to a banking system that works for them, not just for those who are already digitally fluent or living in better-connected areas. That means that physical services, in-person advice and real access to cash must remain part of the infrastructure of modern life. Will the Minister work with Link, Cash Access UK and local authorities to accelerate the roll-out of banking hubs? Will she expand the remit of the Financial Services and Markets Act to protect access to full banking services, not just to cash? Finally, will she meet me to discuss how we can support the roll-out of permanent, accessible banking hubs in Liphook and Farnham? No one should be excluded from essential financial services because of their postcode, their age, or the strength of their wi-fi signal.