Have banks generally offered more or fewer services today compared to 20 years ago?

Over the past 20 years, banks have expanded their range of services significantly to meet the evolving needs of their customers and to adapt to technological advancements. This expansion has included a variety of factors such as the introduction of online banking, mobile banking applications, investment services, wealth management, and financial planning advice.

The increasing competition among financial institutions also drives banks to innovate and provide more diverse services to attract and retain customers. While some smaller or traditional banks may have limited their services, the overall trend in the banking industry has been toward offering more comprehensive and diverse financial solutions.

Therefore, the correct answer emphasizes the general trend of growth in banking services, reflecting an industry-wide response to consumer demands and technological changes.