If you live in a certain kind of urban area, you see it all the time: those new mixed-use buildings go up, and on the ground floor of practically every single one there’s a bank branch or two. And if you have ever thought to yourself, “Why are there so many bank branches opening in an era when all the young folk living in those buildings bank by phone?”, you’re not alone. And this is precisely the reason that most of the banks and financial institutions have gone digital. Not only that, a lot of digital solutions are now available to help you record expenses, live on a budget, save money, pay bills and do everything you could have ever thought of doing with your money.