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HSBC close my business account during COVID lockdown, at a time when our business was suspended. This despite that fact that the account was £7,000 in credit. I will never go back to HSBC and tell everyone that I get the opprtunity to tell that they are a heartless organisation with no concern for customers.

What a coincidence and how convenient.

Terrific analysis - thank you

Great theory, but impossible to implement. Most companies just want the best person to fulfil the role, regardless of colour, creed, sex or physical abilities.

I do not understand the appointment of a professional salesman, with little or no banking knowledge or application software knowledge, as CEO of one of the world's largest banking application software vendors. 

Variable Amount Direct Debits (VADD) have been around for 40 years or more and work perfectly.

Half of the world's population may be 'eligible' to vote, but probably half of those have very little choice - Russia being an excellent example where the opposition leader has been murdered by the incumbant leader. Several other countries with elections are also  not given much choice on the ballot paper. Not a very good opening paragraph.

I would love to know how anyone can get to a projection of £30.5 billion. It is pie-in-the-sky.

Having banked with HSBC for 16 years they closed our account during lockdown because it was not being used - we were unable to trade during lockdown. We were given no reason and choice, despite the company having £7000 in the account. My wife and I will never do business with HSBC ever again, and we tell everyone we know of their actions.

It has taken more than 100 years for someone to come up with a replacement to the piston engine for motor vehicles and it will take 20 years or more to complete the coversion (if ever). COBOL may be very old, as is Assembler, but it still works, Banks need certainty and any replacement has to be capable of delivery.