It was his bank's limited counter-service and indifference to his struggles with ATMs and apps that forced a Spanish pensioner to act, highlighting the panic the digital revolution is causing many older people. For Carlos San Juan, from the eastern port city of Valencia, the tipping point was an incident with an ATM in which the bank staff "flatly refused to come out and help" and wouldn't let him in because he didn't have a prior appointment. IMAGES AND SOUNDBITES