Rudi Bogni is a former banker and a member of The Centre for the Study of Financial Innovation (CSFI) (https://www.csfi.org/ ).
Here is a thoughtful article in which he decries the divisive use of technology when he says:
"What is most troubling to me is that
governments, administrations, banks, insurance
companies, and corporates are adopting one-size fits-
all approaches in dealing with citizens, clients,
and consumers.
Enter the fight against cash and cheques, the
ruthless pushing of online banking onto unwilling
clients, the forcing of citizens to use poorly constructed
apps for e-government services, and the
equally poorly built apps for health services.
Younger, more technically minded citizens and
consumers may find their way around bad apps;
the elderly, the poor and marginalized, or the less
technically skilled may be left helpless and disenfranchised."
Click on this link for the full article:

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