Lucy Frazer acknowledged the debate topic and highlighted that customer engagement with banks is changing towards digital services. She noted that while physical access to banking facilities is important, market changes cannot be reversed by government intervention. The Minister emphasised the role of the Post Office in providing banking services, especially for vulnerable individuals, and mentioned ongoing efforts to legislate on protecting cash access. She also discussed pilot initiatives such as shared bank hubs which offer counter services through the Post Office and dedicated spaces for community bankers from various banks. Frazer concluded by reassuring that all closing branches have a post office within 1.5 miles for everyday transactions.