News Summary

• As banking goes digital-first, this implicit contract of trust is under pressure.
• Complaints to the Financial Ombudsman Service about online banking fraud have doubled in the past five years.
• Digital banking risks becoming a two-tier system: one for the digitally confident, another for those left behind.
• A resilient retail bank is not the one with the slickest app, but the one that combines digital convenience with ethical clarity, human accountability, and social inclusion.
• Trust by design is not a slogan; it is the blueprint for the bank of tomorrow.