The entry below about ticket agencies is reminiscent of 6-8 years ago when banks were pushing customers to use telephone, and later internet banking, as it would be ‘less expensive and everyone would win!’.
This did occur for a while, until the prices were hiked, and the banks started making even larger piles of profit by charging as much for an automated transaction as they were for a much more resource intensive manual transaction. Further to this, creating tertiary accounts with no transaction fees can be very habit forming for students who graduate and start earning reasonable money; a reasonable portion of which go to banks in the form of transaction fees and interest on credit cards obtained while studying.
The fee structures for banking has also contributed in large part to the increase in credit card transactions in the past few years. Many people take advantage of the fact that there are no transaction fees, a reasonable interest free period, and many have their day to day funds linked to (relatively) inexpensive long term borrowing.
The banks are of course more than happy for the consumer to use their money, instead of their own, as there are transaction costs, interest costs, etc etc.