Passage Summary: Tech experts think home banking is the future, but it's probably a better deal for the banks than for the people using them, because customers end up doing more work and paying more.

Conclusion: The transition to remote, technology-based banking may be more advantageous for the banks than for the customers.

Reasoning: As physical branches close, customers are forced to perform their own teller duties while simultaneously being charged higher transaction fees.

Analysis: The conclusion is found in the second sentence, signaled by the contrast word 'But.' The author acknowledges the 'visionary' perspective in the first sentence only to pivot to their own skeptical stance. The final sentence serves as evidence, detailing the specific burdens (fees and labor) placed on the customer that support the idea that the banks are the primary beneficiaries. Focus strictly on the sentence that expresses the author's main point of contention.