One of the reasons my friend is holding off on upgrading isn’t the fact that it’s a new bank but because they have had issues with online fraud. I know when you report it you get the money back but they really like topping the card up and making the purchase, they feel more secure and in control if anything were to happen.
If virtual cards were added with limits or maybe you have to authorise the payments made on that card they would be happy.
Another reason I loved the top up card vs CA is because I have a Personal Assistant who helps me since I have Muscular Dystrophy. So if I needed them to pop out to the shops I could give them my card and feel safe knowing there is only £10 in the account and it can’t be miss-used