MSE News: Four out of 10 people in the UK now use mobile banking apps, logging in 275 times a year

aj23_2

AirlieBird wrote: »

The report states "UK Finance research shows that 71 per cent of adults in the UK used online banking in 2017, representing over 38 million people, a figure which is still growing.". So how does 71% of adults equate to 6 in 10 people not using online banking?

Mobile banking is online isn't it. Online doesn't only apply to desktop. It's tablet too.

eskbanker

aj23 wrote: »

I haven't seen you defending me when others have said the exact same things and going even further to say I should change my methods of transaction and banking, so I really don't care. I'm allowed my opinion, as you yours, but if you don't like mine, then that's cool, but I don't need to be troubled by it.

[...]

I don't find online more convenient. The term 'old fashioned' is only used by those to infer contemporary superiority on others who don't do things the same. Doesn't mean there's anything wrong with it, like I've been told there is.

It's an interesting and novel line of argument that someone not defending you must agree with whoever is accusing you but I'm still none the wiser about which thread(s) you're referring to so probably haven't even seen it/them - where exactly has someone told you it's 'wrong' to use branches rather than online, i.e. real links/quotes not just vagueness.

And yes, of course everyone has their own opinions, but my point was that it's inappropriate and unnecessary to insult those who don't share yours. You can check your accounts as often as you like and by whatever means you like, but that doesn't justify you labelling others 'pathetic' and 'ridiculous' for differing, and telling them to 'get a life'.

aj23 wrote: »

I don't use self serve petrol pumps. And they aren't self serve, as you still have to pick up the pump. I think you mean self pay.

No, I do mean self serve, as opposed to attended pumps where someone really would pick up the pump and do the filling for you.

[Deleted User]

I check my banking apps most days as I use them as a way to reconcile spending with my budgeting (wait for it) app. We have a tight budget and find it very useful to keep on top of everything this way. Think the only time I go into branch is to cash cheques.

aj23_2

eskbanker wrote: »

It's an interesting and novel line of argument that someone not defending you must agree with whoever is accusing you but I'm still none the wiser about which thread(s) you're referring to so probably haven't even seen it/them - where exactly has someone told you it's 'wrong' to use branches rather than online, i.e. real links/quotes not just vagueness.

And yes, of course everyone has their own opinions, but my point was that it's inappropriate and unnecessary to insult those who don't share yours. You can check your accounts as often as you like and by whatever means you like, but that doesn't justify you labelling others 'pathetic' and 'ridiculous' for differing, and telling them to 'get a life'.

No, I do mean self serve, as opposed to attended pumps where someone really would pick up the pump and do the filling for you.

I'm not asking you to defend me, I'm just saying that I've only said the opposite of what people have said to me, so I don't see the problem there. You usually reply to me so it would be on any thread where you have replied.

Again, I'm not insulting anyone. I didn't call any one person or people ridiculous, I called the methods and actions ridiculous. Please don't put words into my mouth or twist the meaning of what I said.

You was actually quite vague in reference to the petrol pumps. You didn't explicitly refer to the self serve or self pay. Considering that attended stations are virtually non existent now, I was commenting on the need not to go into the kiosk should you choose not to.

eskbanker

aj23 wrote: »

I'm not asking you to defend me, I'm just saying that I've only said the opposite of what people have said to me, so I don't see the problem there. You usually reply to me so it would be on any thread where you have replied.

News to me that I usually reply to you - at the time of posting this you've posted 412 times and I can't imagine having responded to more than about 5% of those, if that, if I recall correctly, so interpreting my lack of 'defending you' as implicitly aligning with anyone criticising you is misplaced. However, your position on all this might carry a tad more credibility if you could actually demonstrate that people have called you 'wrong' for using bank branches, as I'm beginning to think you made it up!

aj23 wrote: »

Again, I'm not insulting anyone. I didn't call any one person or people ridiculous, I called the methods and actions ridiculous. Please don't put words into my mouth or twist the meaning of what I said.

Your words in the posts further up the thread are there for all to see, assuming you don't go back and edit them, but it seems a bit of a futile hair-splitting exercise to try to differentiate between insulting an individual and what they do or say - does that mean that (hypothetically of course) it would be OK to say "that aj23 talks a load of rubbish" on the basis of it being fair comment about what you do, rather than insulting you personally?!

aj23 wrote: »

You was actually quite vague in reference to the petrol pumps. You didn't explicitly refer to the self serve or self pay. Considering that attended stations are virtually non existent now, I was commenting on the need not to go into the kiosk should you choose not to.

I can't believe I'm actually responding to this but you were the one who diverged off into self pay, whereas my point was clearly that loss of attended stations in the context of the analogy, i.e. technology enabling people to serve themselves rather than others being employed to do it.

karlie88

aj23 wrote: »

Again, I'm not insulting anyone. I didn't call any one person or people ridiculous, I called the methods and actions ridiculous. Please don't put words into my mouth or twist the meaning of what I said.

'Pathetic' and 'get a life' were aimed at me, so I did feel insulted. If eskbanker thought the same about your words, then I'm sure most other people interrupted it the same way.

The difference with me is that despite our differing views on modern day banking in the UK, I don't stoop down to your level when it comes to responding to someone on MSE.

Caddyman

Please don't get me embroiled in any of the afore-posted ranting, I'm not interested and I won't respond to anyone wishing to have a rant just because they don't like what I have to say.
I just wanted to say that I'm personally completely into Fintech. I've recently dumped TSB because of the unbelievably poorly handled IT migration and moved to one of the new challenger App only banks. I spend, I get immediate notifications, I love it!

Upshot is, I don't need a bank branch. In the year I was with TSB, I never once stepped into a TSB branch, account was opened online and was closed via switching via CASS. I've had a Lloyds account for nearly ten years and visited my local bank branch about a dozen times just to chuck the odd bag of change at them for a crisp £5 note.

Shock! Horror! I actually check my bank Apps, yes Apps, every day because I have several bank accounts each with a different bank. I see nothing wrong with doing that, it means I've got a handle on what's going on in my accounts every day so I can spot if issues arise. If that is bonkers, then I don't care, to me it's just plain common sense and takes just a few minutes. I've not been overdrawn for 20 years, so I'm clearly doing something right!

Don't get me wrong, I'm truly sorry for bank staff that are laid off because of branch closures, but we've moved on and for some of us, Fintech is already here and happening in our lives. I do not have the time nor the inclination to waste precious time in my life travelling to a bank branch to carry out some mundane banking task that I can achieve through an App, or more rarely these days, via the bank's own secure website in just a few minutes. I'm middle aged and probably over half way through my life already, wasting precious breath standing in a queue with people who are simply unable to do their banking online for a variety of reasons, is not my cup of tea. There's no snobbery involved either, I just don't want to stand in a queue, end of!

I see cheques were mentioned in one post. I don't even have a cheque book these days. I've even convinced my plumber to give me his business bank account and sort code numbers and as soon as he's serviced the boiler, I Faster Payment his invoice directly to his account in seconds.
Whether people like it or not, online/App only banking is here and here to stay.

aj23_2

Caddyman wrote: »

Please don't get me embroiled in any of the afore-posted ranting, I'm not interested and I won't respond to anyone wishing to have a rant just because they don't like what I have to say.
I just wanted to say that I'm personally completely into Fintech. I've recently dumped TSB because of the unbelievably poorly handled IT migration and moved to one of the new challenger App only banks. I spend, I get immediate notifications, I love it!

Upshot is, I don't need a bank branch. In the year I was with TSB, I never once stepped into a TSB branch, account was opened online and was closed via switching via CASS. I've had a Lloyds account for nearly ten years and visited my local bank branch about a dozen times just to chuck the odd bag of change at them for a crisp £5 note.

Shock! Horror! I actually check my bank Apps, yes Apps, every day because I have several bank accounts each with a different bank. I see nothing wrong with doing that, it means I've got a handle on what's going on in my accounts every day so I can spot if issues arise. If that is bonkers, then I don't care, to me it's just plain common sense and takes just a few minutes. I've not been overdrawn for 20 years, so I'm clearly doing something right!

Don't get me wrong, I'm truly sorry for bank staff that are laid off because of branch closures, but we've moved on and for some of us, Fintech is already here and happening in our lives. I do not have the time nor the inclination to waste precious time in my life travelling to a bank branch to carry out some mundane banking task that I can achieve through an App, or more rarely these days, via the bank's own secure website in just a few minutes. I'm middle aged and probably over half way through my life already, wasting precious breath standing in a queue with people who are simply unable to do their banking online for a variety of reasons, is not my cup of tea. There's no snobbery involved either, I just don't want to stand in a queue, end of!

I see cheques were mentioned in one post. I don't even have a cheque book these days. I've even convinced my plumber to give me his business bank account and sort code numbers and as soon as he's serviced the boiler, I Faster Payment his invoice directly to his account in seconds.
Whether people like it or not, online/App only banking is here and here to stay.

Just because you check multiple accounts on your Apps everyday, doesn't mean you have 'more of a handle' on your accounts at all. If anything it suggests you're insecure about your banking and transactions, as you say to check for 'issues'. You're clearly dependent on debit and credit cards, hence why you feel you should be checking a lot to check they've been transacted correctly. I've never been overdrawn in my life, and I don't use any mobile banking apps. I don't need to waste time checking everyday when I know nothing has changed/I know what is going in or out anyway. It's a moot point to try and make. I know between 27th of one month to the 11th of the next, no transactions would occur on my account. I don't use my debit card. So why bother checking everyday, once or more?

To be honest, it's not up to you to tell your plumber how he should be paid. If you don't have a chequebook, that's fine, but there are other methods as oppose to 'convincing him' just to benefit you.You say you're middle aged, but you are in a minority of middle-aged and above who do what you are doing. I've never even heard of Fintech. You say their 'secure' website, yet you left TSB because of IT problems. No site is ever secure. Any technology being used is already outdated. We know that from Microsoft and Apple; even washing machines are out of date when you buy them.

Walking into town on a Saturday, getting exercise and actually talking to people instead of looking at an app probably takes me less time than you spending checking and perhaps transacting on your app everyday. I don't see why I should do the job that the bank staff are there for and being paid to do. My bank doesn't give me any benefits for doing all transactions myself, so why should I. And don't say 'free banking' because I don't do online yet I have free banking.

Another thing is I can't be bothered with all the usernames, passwords, passcodes, login IDs, OTP (which if you have no signal don't work and thus can't access account). It's just hassle and branch is so much simpler for me. And I'm about half your age.

aj23_2

karlie88 wrote: »

'Pathetic' and 'get a life' were aimed at me, so I did feel insulted. If eskbanker thought the same about your words, then I'm sure most other people interrupted it the same way.

The difference with me is that despite our differing views on modern day banking in the UK, I don't stoop down to your level when it comes to responding to someone on MSE.

I didn't call you 'pathetic' or tell you to 'get a life,' though. I don't know YOU. I never mentioned you as a person and didn't aim anything at you. You decided to be insulted, I didn't give you an insult.

aj23_2

eskbanker wrote: »

News to me that I usually reply to you - at the time of posting this you've posted 412 times and I can't imagine having responded to more than about 5% of those, if that, if I recall correctly, so interpreting my lack of 'defending you' as implicitly aligning with anyone criticising you is misplaced. However, your position on all this might carry a tad more credibility if you could actually demonstrate that people have called you 'wrong' for using bank branches, as I'm beginning to think you made it up!

Your words in the posts further up the thread are there for all to see, assuming you don't go back and edit them, but it seems a bit of a futile hair-splitting exercise to try to differentiate between insulting an individual and what they do or say - does that mean that (hypothetically of course) it would be OK to say "that aj23 talks a load of rubbish" on the basis of it being fair comment about what you do, rather than insulting you personally?!

I can't believe I'm actually responding to this but you were the one who diverged off into self pay, whereas my point was clearly that loss of attended stations in the context of the analogy, i.e. technology enabling people to serve themselves rather than others being employed to do it.

You always reply to me, don't try and deny it. I certainly never make a first response to a comment you've posted. You're making that up. If you think I'm going to go through however many threads I've commented on, then I'm not. You think I'm making it up, okay cool, doesn't bother me. That's up to you. You was vague in your attended stations comment, I just replied as I saw fitting. Good day. :beer: