Re: "ut I am over 40."
Few occasions? you mean everyday if you are me. I hardly ever A) Go in branch B) Use internet banking in a web browser or C) use a Cash machine.
Almost all my bankings is via my iPhone App. You may not, but the majority do and its the trend we are moving towards. Want to know why the PC market is shrinking every year? because people do what they would have done on a laptop 10 years ago on their smartphone today, its also why Phablets are so popular.
Last time i shopped on Amazon? App on my iPhone
Last time i went on Facebook? App on my iPhone
Thats not to see i don't ever use my Macbook, but my primary Internet device is my Smartphone and thats the norm now, so if you don't have the Apps, you are irrelevant.