I think the problem that countless companies have created is that they want to move people onto using the Smartphone 'Apps' because it saves them money and gives them more control. They forget the generation who are not going to use them. Govts make the same mistake. The banks have wanted to dump Cheques for a long time to save money and the govt was going to support them - until they got a swift kick from their older voters. Cheques should be allowed to die a natural death - not when it suits the banks.
Airlines and many others, should wait for customers to adapt and not force them to use 'old' methods. I don't think the finance people realise what they are doing to cusotmer service. The big bosses should know better.