Fair, but seeing the list, and the comments from others, I didnāt need to.
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But to me, that suggests you only care about investigations that match your own viewpoints about something. If you saw the list and dismissed it simply because it didnāt match what you thought, then what would it take for you to believe any investigation that went against what you already thought?
Iād understand more if you looked at the methodology and went āI personally donāt agree with thatā, but looking at the list and simply dismissing it just seems wrong imo.
I saw some of the (now deleted) comments earlier and I canāt believe it continued and is still going on now. So much theatrics from both sides over an article ! 
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As stated above, seeing the list made it 
in my opinion.
Your opinion is different and thatās ok.
As for the above comment, itās a common trait for people to bite when others opinions arenāt aligned with their own.
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So I just tested Lloyds.
5 minutes; remained logged in when I went back to account list.
10 minutes: sent me to the login screen.
Canāt find any reference online to say itās a regulatory obligation to automatically log out after 5 minutes.
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Didnāt feel like I needed to intervene again after my previous post but here I am 
If thereās any concerns over conduct my inbox is available 
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Indeed last year they downgraded Monzo mainly because it has no web portal, which gave it āunratedā somewhere and destroyed its score iirc.
Iām not going to read it this year. Most security comes down to the security of internal systems, which a magazine canāt really know anything about. The security of customer facing features is often down to the user. Ie Monzo logs you on by email and your PIN, if your email and PIN is secure so is your account. Thatās a great security model for me and highly convenient too.
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If anything, Iād say that Monzo are too secure, and that their team are more likely to lock legitimate accounts incorrectly suspected of fraud. I donāt think thereās anyway of proving this though.
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Every Which? article Iāve read over the past couple of years (which is only a handful), across different industries, has had fatally flawed research methods. I really donāt think their rankings are worth the electrons theyāre printed on anymore, which is a shame.
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Yeah, theyāre the only bank Iāve seen (Limited experience here, so could be completely wrong - please correct if so) that locks your bank transfers / online banking access because of a suspicious card transaction on your account
My experience: Ā£700 at Amazon on Wednesday declined, wrong billing address, personal and business account locked on Wednesday and Thursday, call on Friday to check I wasnāt being scammed and account unblocked
Id call that too secure, honestlyā¦
In terms of Lloyds, if a bad actor has access to your computer 11 minutes after you stopped using it, theyāll most likely be able to access it 4 minutes after you stopped using it too. Likely that it just inconveniences a lot more users than it protects.
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Is this article saying that Barclays would let a login cookie generated for a login for an IP Y in the UK for X browser/device, be used by a totally different IP and browser?
20% in one year seems pretty good, but I donāt like the market.
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I also donāt like the BNPL market.
Although it is clearly divergingā¦ some players are setting a credit limit and are regulated (e.g. Monzo and I think Zilch) so are actually more like a traditional credit card. Whereas others, in my opinion, are creating big problem and being irresponsibleā¦ especially towards the youngest users who are racking up debts they canāt pay down and never shouldāve been lent in the first place
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I think that BNPL 3-6-12 month instalments offer a level of financial responsibility impossible to get on a credit card, because it hits your pocket instantly when you buy it, whereas with most credit cards you get to pay a very small minimum payment 30 days later and can realistically finance that purchase for many years although youāll take a hit on the interest
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Thereās a difference for me, between aggressively pushed at check out like Klarna or Clearpay, and a credit card like product like flex.
BNPL as a checkout option is very much about conversion then whatās good for the customer.
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Great letās raise more money but keep the valuation the same
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I agrĆ©e as long as thereās an overall credit limit the customer doesnāt breach. This isnāt how all BNPLs work sadly. Some will let you take on more and more debt
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Itās an absolute joke,we are all in 5years ago Thai g all the risks waiting years and years for a decent return ie: x5 plus and the big boy VCās stroll in once Monzo is growing at a rapid pace and get their shares for peanuts. Makes me sick!