The only bank I’ve had any interaction with in the last 3 years, has been Chase via in App secure messaging and one telephone call from me when Chase stopped a large transfer of savings by me to another of my own bank accounts. That conversation lasted around 6 minutes whilst I was repeatedly asked who I was sending the money to and did I know the person I was sending the money to. There’s only so many ways one can say it’s me who is sending the money to myself because I’m being offered a better rate of interest elsewhere.
Of course as I never follow up silenced calls, I never know if any of my banking providers are trying to phone me. I have absolutely no fascination whatsoever for answering a ringing phone. If they ain’t in my contacts list, there’s no parlez from me. It’s not my problem if they won’t leave a message or a text that I can interrogate first. The NHS aren’t immune to sending text messages, I’ve had loads of them, so they don’t need to phone to get a message through.
I thought the whole purpose of secure in App messaging from a banking provider, was to ensure the integrity of communication between the bank and their client? If a telephone conversation was subsequently required, then this could be achieved via the App.