Fifteen years ago, the only way to interact with your bank was by going to your bank. It was a frustrating, tiresome, and inescapable process that everyone endured and no one enjoyed. Then, the iPhone came. At first slowly and then all at once, smartphones revolutionized the financial industry. Now, instead of spending hours every week in…

Most industries welcome technological innovations with open arms. Retail, and in particular the high street sector, is an exception. Physical stores are in danger and have been since the advent of e-commerce. As more people take their spending online, brick-and-mortars are struggling to survive. Several high profile chains have collapsed, including the demise of British…