I doubt you would notice much difference in user experience from a 2012 UK banking app vs venmo / cashapp / paypal. https://www.theguardian.com/money/2012/feb/

I doubt you would notice much difference in user experience from a 2012 UK banking app vs venmo / cashapp / paypal. https://www.theguardian.com/money/2012/feb/16/barclays-pingit-money-sending-smartphone https://www.theguardian.com/money/2012/feb/16/barclays-pingi... (note the person in the article is holding the iphone 4 in a steve jobs approved manner)