The first thing is that the Conference Board did not study postal banking services in 2013. That study was not part of its mandate.
However, if we look at what is going on in other countries, such as the United Kingdom, we see that the banks have abandoned the rural areas and that people are conducting their banking transactions at the post office. The clientele is there. It costs much more for a bank than Canada Post to keep a branch open and to pay employees. The post office already has employees, a place of business, and the space to offer banking services.