Egg experimented with the first two of these features in the 1990s UK: https://en.wikipedia.org/wiki/Egg_Banking https://en.wikipedia.org/wiki/Egg_Banking No id

Egg experimented with the first two of these features in the 1990s UK: https://en.wikipedia.org/wiki/Egg_Banking https://en.wikipedia.org/wiki/Egg_Banking No idea what happened to the idea, but neither the product nor the company exist anymore.