With transactional banking appearing more commoditised than ever, it is easy to assume that ‘all banks are the same’ but a true partner in this space can create some significant advantages. In a recent survey (EY Future Consumer Index) the 57% fall in cash usage precipitated by COVID-19 has been accompanied by a proportionate rise in usage of online debit and credit cards and online tools. And this shift to cashless payments seems set only to increase over the coming few years.