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There is a digital currency called Scotcoin (see previous blog post). I'm not convinced it's one that would suit this purpose though.

I suspect that part of the reason for this is the target market for TSB. It's not and has never been an aspirational brand. It's firmly aimed at older and lower income people, who I would suggest are those who are most in favour of branch use and least interested in mobile and web banking. The message that the fancy new tech bit is easier to use and based on customer feedback is probably precisely what those sorts of customers want to hear, if they even feel they want to use the website at all.

Given that this is now a known issue, I don't get what is so hard about keeping your Oyster card separate from your bank card. If you left your season ticket at home and had to buy a day ticket would that be a system flaw? No, it's a user flaw and so is this. While beforehand, you might have argued that TfL didn't do enough user education on this usability question, you can barely move for public service ads on the subject now so I think the way this story is reported is a bit misleading.