Banking Hubs: Rural and Post-Industrial Communities
Debate between Ann Davies and Jim Shannon(3 weeks, 3 days ago)
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Ann Davies (Caerfyrddin) (PC)
I beg to move,
That this House has considered banking hubs in rural and post-industrial communities.
It is a pleasure to serve under your chairmanship, Sir Desmond. It is unfortunate really that this is a 30-minute debate. So many people have been in touch to make interventions or speeches, including the right hon. Member for South Holland and The Deepings (Sir John Hayes) and my right hon. Friend the Member for Dwyfor Meirionnydd (Liz Saville Roberts), but as you mentioned, Sir Desmond, it is impossible to fit everybody in.
I am pleased to lead the debate on this important topic. Access to cash and banking services is a pressing issue in rural and post-industrial communities. I hope to outline why we desperately need to increase the availability of services through banking hubs in those areas.
Jim Shannon
I will just say that so many people are here because the hon. Lady has brought up a subject matter that is worth more than 30 minutes of debate. Does she agree that the only goals that banks seem to have are bigger dividends and more profit? When they close branches there is a dramatic effect on rural life in her constituency and in mine. Is it not time for banks to look not at profit, but at the people and customers that they should be supporting?
Ann Davies
I totally agree, and I will come on to that later. In 2006, cash accounted for 62% of all payments in the UK. It now accounts for around 14%, with some forecasts taking it down to 6% in 2031. However, if we look beyond those percentages, we can see that cash still plays a vital role in people’s lives. For many, cash is indeed king.
New figures from Link, which accounts for 77% of the UK’s entire ATM network transactions, show that cash continues to be central to how millions of people manage their money. In 2025, £76 billion was withdrawn from Link ATMs, in 1.27 billion transactions recorded across the year. Link notes:
“While ATM use naturally evolves as more people choose digital payments…cash remains a trusted and widely used option.”
Link data shows that the most popular places in which to use cash remain convenience stores, supermarkets and payments between friends and families.
Coal Tip Safety and New Extraction Licences
Debate between Ann Davies and Jim Shannon(4 months, 3 weeks ago)
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Ann Davies
That is true. It is ironic that the two incidents happened on exactly the same date—a few years apart, but on 21 October. We must never forget either.
Jim Shannon (Strangford) (DUP)
I am old enough to remember the Aberfan disaster, unfortunately—all the things that happened and the lives that were lost. Northern Ireland has some coal tips, primarily from historical operations at Ballycastle and Coalisland. They have not been active for some years, but does the hon. Lady agree that, although the mining legacy in Northern Ireland is not as prevalent as it is in Wales, there must still be regulatory oversight where sources are less advanced, to ensure that our people have the same protection as those in Wales?
Ann Davies
Absolutely. This is an issue for the whole of the United Kingdom.
The disaster brought about the Mines and Quarries (Tips) Act 1969, which came into force to improve coal tips’ stability and safety. However, it did not go far enough. Aberfan should have been a moment to address the dangerous legacy of all coal tips once and for all, but the job remains unfinished. Now, because of increasingly violent storms caused by climate change, we have experienced further coal tip slips. There was a major landslide above Tylorstown in Rhondda Fach in 2020, and then in November 2024, in Cwmtillery, a slip was caused by heavy rainfall from Storm Bert. That led to a slurry and debris slide that forced the evacuation of homes.
Plaid Cymru has long warned that the safety of our coal tips is not a matter for tomorrow; it must be addressed urgently. No family should go to bed fearing a landslide on the hillside above them. No community should be left to foot the bill for the negligence of past Governments. The Senedd recently passed the Disused Mine and Quarry Tips (Wales) Act 2025, which will establish the Disused Tips Authority for Wales, the powers of which will include requiring landowners to ensure that coal tips located on their land are stable. We must, however, not forget that the issue of coal tips predates the dawn of devolution. It is an historic injustice that the cost of making these tips safe has not been fully funded by Westminster, and that the people of Wales are now expected to foot a large part of this bill.