We are going to need banker bot

Yahoo: Next time you want to make a quick errand to a bank, you might have to travel a couple of more miles than you’re used to. This month Bank of America (BAC) said it has 23% fewer branches and 37% fewer workers than it did in 2009, according to a CNNMoney story. 

 Bank of America had 4,689 branches at the end of the first quarter of 2016, down from the average of 6,100 in 2009 while the workforce downsized to 68,400 from 107,900 in 2009. As more consumers get comfortable doing all manner of financial transactions online and on their phones, mobile banking has become increasingly common. In 2015, one in 10 adults in the US began using mobile banking for the very first time – amounting to 25 million new mobile bankers, according to Javelin, a research firm. And last year marked the first time weekly mobile bankers exceeded weekly branch bankers.
 Other major banks are experiencing similar shifts. 

To replace the banker function we need distributed portfolio management.   The network of card holders self manage a savings and loan arrangement, with the help of a trading web site.