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Far too small a sample from more than 40 million adults in the UK. Suggest that the writers read the book - How to lie with statistics by Darrell Huff.

I find these numbers staggering since I know no-one who uses their phone for banking. The reasons are not just security. Having the phone stolen is a real threat as well as the propect of the phone being damaged or destroyed. All of my friends and business coleagues use their home or work computer to interact with their bank and use cards to pay for items when shopping. This is not to say that people do not use ther phones to pay for things or contact their bank account, but the numbers are unbelievable.

In the UK Variable Amount Direct Debits have been around for 50 years or more, with a guarantee from banks to resolve any issues. What is new about Pay By Bank?

Global Technology Company Thoughtworks?? Since when were they a global company??

There are no names to the two individuals pictured, nor the names of any founders or directors.

Far too much dependency on stats from McKinsey. You need to look at who paid them to carry out the studies.

HSBC close my business account during COVID lockdown, at a time when our business was suspended. This despite that fact that the account was £7,000 in credit. I will never go back to HSBC and tell everyone that I get the opprtunity to tell that they are a heartless organisation with no concern for customers.

What a coincidence and how convenient.

Terrific analysis - thank you

Great theory, but impossible to implement. Most companies just want the best person to fulfil the role, regardless of colour, creed, sex or physical abilities.