Any institution has money that can generate money in legal or illegal ways. Banks really generate money from loans. It is true that they have paid services, but without bank loans they will not continue to grow in this fast form or achieve coverage or provide cheap services like this. The government needs banks and commercial banks as it is the arteries that provide the economy with force, so dat has weakened the banking system whenever the state is very weak as the body where the arteries weaken.





Do banks in your country impose fees on SMS notifications? It is free in many countries and it is a service for the user to know how much his balance is not supposed to be imposed on fees.

Customer money in savings accounts or inactive accounts is not the money used by the bank, the central bank must impose more restrictions to not use customer money.