This is a transformative time for banking. The last decade has seen an incredibly fast-paced increase in the use of technology and also a rapid decrease in the use of cash. High Street banks, where most of us have our money, have adapted. From branch closures to online accounts, we'll discuss how banking is changing.

We look back at the history of banking with Cambridge University Economic Historian Dr Victoria Batemen.

We’ll also speak to Dave Fishwick whose life story became a movie after he set up his own bank in his community.

And Felicity Hannah is joined by independent banking analyst Frances Coppola and Cat Farrow, Chief Operating Officer at Cash Access UK

Presenter: Felicity Hannah

(This programme was first broadcast on BBC Radio 4 on Wednesday the 6th of December at 3pm)