I get really wound up when I get charged a missed direct debit even though I’ve got money stashed away in a savings account. With my permission, it would be ideal if the bank could just draw down from my savings automatically to avoid the harsh charges.
I wrote butler service, as the subject, because I see this as the first obvious automation a bank could do to help take the pain of managing my money better, like a butler would take the pain out of whatever fancy people do. Creating pots and transfers and all this stuff, it’s such a faff. I have to create, manage and execute on time. Way too many opportunities for mistakes, to be distracted etc.