That the Parliament notes that recent research by Which? shows that Scotland has lost 399 bank branches since 2015 and 290 ATMs in just the last year; considers that bank branches and ATMs are lifelines for people in both rural and urban areas of Scotland, especially those who experience chronic health issues; believes that, although many individuals are turning to alternative methods of banking, it is essential that a significant number of branches and ATMs remain open to allow those without the means to access digital services to bank securely in person at a branch or ATM, and agrees with Which?’s recommendation that a regulator should be appointed by the UK Government to ensure that cash continues to be available for all.