Bank employment is getting disrupted by technology. As transactions get primarily enabled on cards and mobile (at least in cities) you find that that bank employees have a different mandate: To sell different things that can justify the employee's salary.

First among this is insurance. Insurance has fat fees, which is made by the bank and thus meets the "fee target" that each employee is given. With banks only performing an agency role (instead of as a broker) there is no rule that they need to sell proper products. So they attempt to