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The widespread adoption of digital banking applications has reduced the need to visit bank branches, as most daily transactions such as transfers, bill payments, and account management can be completed via smartphones. Despite this shift, branches still play an important role, especially in providing consultations and handling complex or high-value services. Currently, there are 444 local bank branches in the UAE, with a gradual trend toward reducing the number of branches and focusing on offering specialized services. The future emphasizes redefining the role of branches rather than eliminating them entirely, while continuing to rely on technology to enhance efficiency and reduce costs.
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