[niallsmart]

I've worked at a bank for several years, and agree 100%. It's basically impossible for them to pull off something like Simple.

So the question is – how valid is that research given consumers haven't had a real alternative?

Now that we're (finally) moving away from paper payments, seems to me that it's a bad idea to bank on consumer complacency. Either way, I'm just happy that there's a decent alternative.