Published May 20, 2021, 6:00 AM My Gen Z son had to physically go to a physical branch of one of the largest banks in the Philippines to reopen an account, only because his previous account, which he had been holding for several years, had been automatically closed because he placed all his money in an investment portfolio of the same bank. Obviously, this bank doesn’t see my son’s overall value as a customer, and instead treats him in silos. “This is totally crap,” said my son, who promised that he will eventually move his money to another bank that doesn’t have the same hassle.