Core Viewpoint - Westpac Banking Corporation is adapting to the shift towards digital banking by cutting 200 teller and personal banking roles while simultaneously investing in digital infrastructure and expanding its lending workforce [1][2][3]. Group 1: Workforce Changes - The company will eliminate approximately 200 roles focused on in-person counter services across its Australian branches [1][2]. - Affected employees may be redeployed into lending roles or receive retraining for digital support positions [2]. Group 2: Digital Investment - Westpac plans to invest AU$200 million (about $132 million) over three years to enhance ATMs and branch facilities [2]. - An additional AU$5 million will be allocated for staff training in FY26 [2]. Group 3: Lending Expansion - The bank will create 200 new positions in home lending and small business banking to leverage the growing broker channel in Australia [3]. - Business lending has seen a year-over-year increase of 14%, indicating a strategic focus on higher-margin lending segments [3]. Group 4: Company Overview - Westpac is one of Australia's "Big Four" banks, providing a range of banking services across Australia, New Zealand, and the Pacific [4].