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Amazon do offer a credit card, but it is a Mastercard, which does not break the duopoly who control about 90% of the issued cards in the western world.

At the moment, if I have a problem with a transaction on Visa or Mastercard I can go to my bank and get it resolved. My bank issues the card and takes responsibility to resolve the issue. I would like to see more competition and Amazon, Facebook and Google and certainly probable contenders, but resolving issues with these behemoths has often been difficult in the past. They will need to establish strong, customer focussed, credit card operations if they are to succeed.

Your very last paragraph is the most important. Whilst the USA has a population of 330 million in 50 states, there is no comparison between the people of New York and of Wyoming. They may be in the same country but their values, habits and lifestyles will be very different. Any survey of 2,000 in the USA has no chance of reflecting the diversity in the country.

US Retail and corporate banking has always been 20 years behind European banking and that is being generous. Standing Orders and Variable Amount Direct Debits have been available in the UK for more than 50 years, yet the US only introduced then on this century. I have not used a check book in more than 20 years and my online banking has been excellent for the last 15 years or more. Zelf may be a great idea in the US, but it has nothing to offer the crowded UK market.

You are not the first to take the Accenture report at face value without asking the right questions. Whilst digital banks are expecting to increase their client base, how many of those clients are just opening a deposit account, attracted by better interest rates than those offered by the big financial institutions. How many of the digital bank clients have closed their accounts with the big finiancial institutions and use the digital bank for all of their banking needs? From what I have read many digital only banks are struggling to make a profit and many will not survive in the UK - N26 was a good example.

I accept that 400,000 is a large number, but it is still less  than 0.1% of the population of Europe and there is no mention of the breakdown of the countries surveyed. Your findings do not gel with my contact base so I question the validity of percentages extrapolated from your findings. Subscription management is a great idea and every financial institution should offer it, particularly as most suppliers make cancellation an unpleasant experience - as you say, most insist on a telephone call to cancel and have a salesperson at the other end to talk you out of cancelling.

Visa and Mastercard will survive. I would be interested in knowing what percentage of all transactions in China use QR codes, rather than a sensational 15 times increase in the use of them. This appears to me to be using a stand alone statistic to try to prove what you want to prove. 

I am not aware of any 'rush' away from traditional banks. Statistics show that few businesses or individuals use digital banks as their sole bank and that the digital banks have attracted accounts by offering short term higher interest rates on deposits. Evaluation of data available in the marketplace shows that the traditional banks are weathering the storm. What the digital banks have succeeded in doing is pressurised the traditional banks to improve their digital offerings.

Large cash payments are, more often than not, a method of either laundering illegal money or tax evasion. The UK government quietly implemented the Australian rule 20 years ago, whereby they approached estate agents, car dealerships and other outlets where large payments are made, and asked them to report any transaction of more than 10,000 pounds in cash. When I say asked, they threatened them with tax investigations if they did not. I am at a loss to understand why anyone would take the risk of walking around with large sums of money, risking being robbed. The banks and the government have enough other problems than to worry about what each and every adult is spending there money on. They are interested in terrorist finance, drug fimance and large scale theft. Bog Brother is not looking over every individual shoulder - only those with large cash payments with a dubious history.

What would be a far more interesting statistic would be the number of customers who have no other bank account but the one with the neobank. I would be amazed if this number exceeds one million. In other words, I believe that most people retain their main bank account with a traditional bank. I could be wrong, but if I am not then I don't see the neobanks ever being profitable.