How will anyone know about search, email or GPS navigation? If its word of mouth, isn't this a form of advertising? How will they pay for them without a credit card; which will be issued by a bank that can't advertise them. Does that also rely upon word of mouth? How can a new entrant arrive in the banking industry without being able to advertise its services?
Without advertising new companies can't develop new services because only the existing ones will have customers.
A public information service would solve all of these issues. The UK has the Citizen's Advice Bureau. Also public libraries can contain informational bits.
In both of the above cases you as the consumer have to actively seek them out. But I'd be OK with public services being 'advertised' on TV, billboards etc as there would be no profit motive.
Without advertising new companies can't develop new services because only the existing ones will have customers.