The regulator monitors banking access across Singapore and works with the industry where needed, taking into account customer demand and local demographics. The comments came in a written parliamentary reply on cash access, physical banking services and changing payment habits among seniors. MAS Chairman Gan Kim Yong noted that more seniors are becoming comfortable with digital banking, though many still rely on cash and face-to-face services. Banks are also making digital services easier for seniors through community support and features such as larger fonts, clearer visuals, simpler navigation and multilingual interfaces. MAS will continue working with the banking sector to keep physical services accessible as digital adoption grows.