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Don’t get me wrong, banks have always used gimmicks to attract customers.

I got an Our Price record token when I opened an account with the Midland in the 1980s.

Thanks to the almost total global financial collapse in the late noughties caused by banks and bankers, there is a tantalising Snapchat-sized jackpot for anyone who can create a new type of bank.

Imagine, say, a bank that provides customers with an experience that doesn’t involve queuing for your entire lunchtime to talk to a crook in a suit, whose job is to up-sell pointless payment protection insurance (PPI) and give to you it anyway when you refuse. In the last few months the likes of Starling, Atom and Monzo have been snorting up banking licences like there is a tomorrow after all, to make banks that exist nowhere else but on the phone in your pocket.

I’ve sat in pitches where inventors claim to be sitting on the greatest disruptive technology ever thought of but can’t explain what it is.

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