The Gorse Fox had a very interesting chat with the bank manager yesterday. Among other things he told GF about some of the features of their mobile app. GF has made very little use of the NatWest mobile app, up to this point.
The feature that impressed him most was the ability to pay people by phone. You go into the App on your smartphone and elect to "pay a contact". This throws up your address book from which you can select the recipient. Then you enter the amount, and a message an press the confirm button. Et voila. A message is sent to the recipient and they just follow the instructions to deposit the money onto their account.