I would like to see the ability to create family banking from just one account (probably a joint account).
So for example, the parents would be account owners and the children would be account users, plus maybe an au pair or something could also be added temporarily, for example.
You could use pots for the kids and actually order debit cards which would be allowed to be spent from that pot only, maybe they could be auto-topped up or maybe not.
Additionally to this you could have an “emergency money” pot which anyone can pull from if needed, but it’s logged who took it, just in case. I can see so many applications for this kind of thing, e.g. you could prevent the cards from being able to take cash out of ATMs so you can see exactly what your kids are spending on etc. if you’re that way inclined. The way society is going so cashless and with contactless payments now, this just makes sense to me.