If one lives in a small town, one will be familiar with the different banks and there might be some embarrassment involved in changing from one to another. The real problem with transferring one's account relates to standing orders, etc. We could provide that when a customer elects to change suppliers, the paperwork would be carried out by the existing bank within a short period. The process could be triggered by the new bank when the customer signals his or her decision to transfer an account. All that would be involved would be the making of simple requests for the details regarding standing orders and so on. This is the sort of requirement on which a regulator would insist if customer interests were at the top of his or her agenda.