Lee Boyce

What's that all about?

I thought the price point of a bag of crisps was about 50p.

But it's doing all right, the actual WH Smith.

So lesson must be learned here.

And I thought, really be careful about what we're losing here.

There's something in that though, Georgie.

I think that we are getting a bit Americanized in terms of our shopping habits and what we're doing in our lives.

And I think retail parts are a massive part of that.

I'd say in the last 10, 15 years, that's what the biggest... You know, online retailers, of course, but I think that's one of the biggest...

sort of changes of these out-of-town retail parks that kind of have identikit stores of certain sizes that shops like because it's easier to load in and out goods and people like the free parking and they can go and get lunch there and whatever and that's if people like that and that's shifting habits you know what can you do about it as a shop on the main high street probably join them

So banking hubs have been kind of filling the gap where last branches in town have been disappearing across Britain.

Well-documented, thousands of branches have disappeared from major banks over the last 10, 15 years, citing the change towards us doing our banking online or on apps.

But they can absolutely decimate a local community.

You know, lots of small businesses for sure will use bank branches.

And there's still millions of people out there that like to use cash over any other method of payment, whether that's the budget, whether that's because, you know, they're kind of more vulnerable.

There's all sorts of reasons.

And these banking hubs have been funded by Cash Access UK, which in turn is funded by most major banks.

So major banks are involved in this and the banking hubs exist in a kind of like a co-sharing space.

So banks have a member of staff.

Typically, you'll have Barclays on a Monday, Lloyds on a Tuesday, HSBC on a Wednesday.