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Jacqui Williamson cannot imagine not having a bank in her town. She owns an award-winning caf茅 and delicatessen in Beauly, in the Highlands of Scotland. But last October, her local branch of Bank of Scotland closed. And now the town's last remaining bank, RBS, is due to close in December. How will she do her banking in the future?

As the big high street banks continue to shut branches across the UK, there are more ways to bank than ever before - including mobile-only, branchless banks. But what do customers want from their banks, how is the sector responding and what will the bank of the future look like?

Paul Lewis travels to rural Scotland, to find out how customers are adapting to change after local branches have closed. He meets RBS' head of personal and business banking to discuss the alternatives on offer and hears how one challenger bank is bucking the trend by opening branches whilst its traditional rivals are closing them. And we find out why one Money Box listener has moved from his bank of nearly 30 years to the bank in his pocket.

Presenter: Paul Lewis
Producer: Sally Abrahams
Editor: Jim Frank.