内容摘要：Banking industry figures show only 12% of payments are made with cash, but 1.5 million people mainly use notes and coins in their daily lives, many of whom find it easier to budget with physical money when facing cost-of-living pressures.

Banking industry figures show only 12% of payments are made with cash, but 1.5 million people mainly use notes and coins in their daily lives, many of whom find it easier to budget with physical money when facing cost-of-living pressures.

The Lloyds Group says most people now bank online and they will offer alternative provision.However, residents in the affected areas say they have been "shocked" by the moves which can leave the nearest branch many miles away.

The latest list of 14 planned closures has seen Dumfries and Galloway and the Borders particularly affected.Lloyds said a banking hub would be created in Annan while community bankers would be introduced in Moffat, Peebles, Sanquhar and Thornhill.It said most of its customers now used its app or online banking, and transactions in the branches affected had fallen by between 44% and 53% in the past five years.

It added that staff affected would be offered a role at another brank or in another part of the business.A previous round of closures will see Langholm and Newton Stewart sites - also in Dumfries and Galloway - shut later this year.

Thornhill sits on the A76, running between Dumfries and Kilmarnock. It has a bit of a bustle about its main street - even on a winter Wednesday morning.

Its Bank of Scotland branch occupies a prominent position in an attractive sandstone building., who was pulled from his vehicle and handcuffed by officers.

Mr Hill was pulled over on his way to Hard Rock Stadium in the south Florida city just hours before the opening match of the season.Miami-Dade police say one of the officers involved in the stop has been placed on administrative duties pending an investigation.

Two of Mr Hill’s Miami Dolphins teammates, Calais Campbell and Jonnu Smith, were also involved in the incident.The team issued a statement on Monday backing their star wide receiver, saying: "We are saddened by the overly aggressive and violent conduct" shown to Mr Hill and the other players.