There are many possible reasons for this behavior:

  1. They have not enrolled for digital banking
  2. Their work is with a business banking account, for which it’s generally harder to get and riskier to use digital banking than with a personal banking account
  3. Their work is not supported by digital banking e.g. liquidation of an FD owned jointly between two or more people
  4. CX / UX of digital banking sucks
  5. They may be apprehensive that the device they use to access digital banking is not sufficiently protected from external security threats and may have a high risk of getting infected by malware. I’m hearing that banks are warning that there’s an increase in cyberattack activity of late, during the pandemic outbreak.

It’s difficult to give a definitive answer unless I know more about the context.

Talking of which, I’m curious to know how you know about the following assertions in your question:

  • many people in India are still visiting bank branches
  • many people in India are still visiting bank branches without even bothering about social distancing

If you saw this with your own eyes, then I hope you were out in the bank branch’s neighborhood for some essential work – AFAIK, visit to bank branch is also treated as essential work outside containment areas – and that you were yourself observing social distancing during your trip outside home.

If you came to know about this from the news, what reason(s) did the article / show give for this behavior?