ING first to massively replace its workers by callcenters
ING is moving in Belgium from mortar banks to webbanks and for this reason will put more than 800 people out of a job. They will take others, but these will have to work in a callcenter and will probably be less paid. So you don't have to go to India to lower workingstandards.
So if you do only webbanking or selfcashing at your supermarket, don't be surprised afterwards that those not-so-quite intelligent won't a find a job any more. And don't be surprised either if you find out afterwards that the webservice won't stay cheap or free or as safe as they say.... You already have less consumer rights on the online banking against those on paper.
read the 'player piano' by Kurt Vonnegut (google : "piano player" vonnegut )