> The UK is quite literally decades behind some other countries, in banking.
In what ways?
Introduction of second factor. Reporting. Statements. Investment platforms (just try the stocks or the fund platforms with HSBC). Design. And some interfaces require you to have pen and paper because the transfer webpage can't show you you own accounts, so you have to type your sort code and account number into a blank form. And just plain keeping the message-of-the-day actually refer to things that happened this year.
For a start.
I've lived in the UK and another European country, and if I didn't recognize brands like "HSBC" and "Barclays" I would have thought they were failed non serious players.
The UK is quite literally decades behind some other countries, in banking.