Tobias TrütschLuis, NägelinNägelinLuis2024-09-182024-09-182024-09-18https://www.alexandria.unisg.ch/handle/20.500.14171/120824This study examines the developments in the spatial distribution of ATMs, banks, and post branches in Switzerland between 2021 and 2023. We calculate the actual travel time and trav-el distance to the closest cash access point based on the Swiss road and public transport net-work. We find that Swiss residents have overall easy access to cash. On average, an inhabitant of Switzerland has a travel distance of 800 meters to the nearest cash access point. This is 1.2 km to the nearest ATM, 1.8 km to the nearest bank branch, and 1.1 km to the nearest post branch. The average travel time by car is 3 minutes to the closest cash access point. This is 3.7 minutes to the closest ATM, 4.3 minutes to the closest bank branch, and 3.7 minutes to the closest post branch. By using public transport, the Swiss can access cash in an average of 8.5 minutes, the nearest ATM in 11.2 minutes, the closest bank branch in 14.6 minutes, and the nearest post branch in 11.4 minutes.enbank branchcash accessspatial analysisATM networkpost officework report