Since the early 90's I've argued that banks should join forces and make a phone or at least a chip for a phone. I talk with a few banking people not to low on t

Since the early 90's I've argued that banks should join forces and make a phone or at least a chip for a phone. I talk with a few banking people not to low on their food chain but they didn't understand it at all: Phone companies are doing transactions per second which requires them to replicate a bank. It might be that you can only buy one thing today (calls) prepaid phones are ordinary bank accounts and phone contracts are credit cards. Where do you, as a banker, think this is going to go eventually? To add to this insanity [I added], you have a 0.50 cent per minute help line. You are already using their bank to sell support to your customers. Hundreds of guilders are transferred per person from your accounts to your competitor every month! Compare the service level: If I don't use the phone often enough they steal my money and close my account! Over the many years that followed I got properly robbed by phone companies multiple times and hear at least 30 crazy stories from people I know. Schemes not even the greediest banker could dream up. They would go to prison fast.