Re: Local?
"[...] ATMs of at least some banks allow you to set the language to be used for your account. "
A friend was born in Hong Kong but lived in English-speaking countries all her life. When she visited her family in HK she found that the ATMs only prompted her in Chinese - in which she had very little competence.
A colleague was the son of HK immigrants who lived all his life in the UK. On visits to HK he found that the taxis had an increasing scale of tariffs - one for Chinese speakers, one for English-speakers, and the most expensive for people like him who were Chinese but didn't speak the language.