Ms Jane Howard:

In terms of the older customers, absolutely we should be supporting them. I do not know if the Senator was upstairs when I said that from next week we will have representatives of the other banks in our branches. We have had credit unions take us up on the offer to be physically present in the branch. That is very important because that is where the accounts for those customers can be opened and we can help them to move. Digital is not right for everybody. In fact, we acknowledge that encouraging older customers to do that digitally could be putting some of them at risk. We want to support them in the right way, face to face. That is why we have invited financial institutions into our branches.

My colleague will address the Senator’s other point.