Slight de-rail, along with pot-to-pot transfers the feature request for Plus/Premium for Joint Accounts now has the most ‘joint’ (!) votes, out-voted overall only by Dark mode - which has been implemented.
Cash back on transactions is just giving money away in a regulated interchange environment, if Liz Truss gets in, it might get get unregulated and banks might be tempted to pass it on, can’t see it otherwise unless you’re cash rich like JP Morgan.
As for getting rid of User Research, ha, do me a favour, it’s super useful, helps you build good product, and stops you just building for your noisest users on a forum
I’m not sure that folk are being big picture enough here. It’s basic economics: if some cashback leads to greater revenues overall, and still a profit cut on those greater revenues, then it is economically rational for the business. It’s a route to grow profits, not a free money free for all.
No one suggested getting rid of user research. Go back and read what I said!
I would want free access at Post Offices as per other banks.
Free PayPoint might be an alternative but this would be inferior in my view to Post Offices as I don’t believe you can pay in cheques and the current lack of knowledge PayPoint staff have to deal with cash deposits.