Does anyone use these?
I struggle to think of a UK bank these days that doesn't have a mobile banking app of some kind on offer and I find the whole thing FAR more convenient that using the normal website and having to use a token generator to login. HSBC / Nationwide and others are happy enough with you using your finger print on your phone as ID which makes life far better.
However as much as I say all this I know probably as many people who just won't trust them (or online banking in general) and still prefer to do things in person at the bank or over the phone which I generally find a nightmare due to the fact that HSBC offshore a lot of their customer support and if you are ringing up to do anything slightly complex it can get misunderstood or something which isn't what you want when you are dealing with money etc.
Even if I go into the main HSBC branch or Barclays one in Leeds it's 80% machines now instead of people working behind a counter so banks clearly want to push us down the digital path to do the majority of our banking.
Does it worry anyone that this is the way things are going? I can't get my parents to get into online banking AT ALL as there just seems to be too much of a trust issue for them to get past and they worry about their accounts getting hacked and money getting stolen etc. and I'm not sure they will ever be able to get over that hurdle no matter how much I tell them it is safe!
I struggle to think of a UK bank these days that doesn't have a mobile banking app of some kind on offer and I find the whole thing FAR more convenient that using the normal website and having to use a token generator to login. HSBC / Nationwide and others are happy enough with you using your finger print on your phone as ID which makes life far better.
However as much as I say all this I know probably as many people who just won't trust them (or online banking in general) and still prefer to do things in person at the bank or over the phone which I generally find a nightmare due to the fact that HSBC offshore a lot of their customer support and if you are ringing up to do anything slightly complex it can get misunderstood or something which isn't what you want when you are dealing with money etc.
Even if I go into the main HSBC branch or Barclays one in Leeds it's 80% machines now instead of people working behind a counter so banks clearly want to push us down the digital path to do the majority of our banking.
Does it worry anyone that this is the way things are going? I can't get my parents to get into online banking AT ALL as there just seems to be too much of a trust issue for them to get past and they worry about their accounts getting hacked and money getting stolen etc. and I'm not sure they will ever be able to get over that hurdle no matter how much I tell them it is safe!