[milesrout]

Don't be ridiculous. You don't need to be computer savvy to use electronic banking. Cheques haven't been used in most countries for over a decade and the only actual difference is that you get transferred the money immediately instead of banking a cheque.

[jleyank]

Fwiw, two factor authorization requires smartphone savvy. This is mind bending to the wall phone crowd. Not to mention the difficulty with lots of passwords that require new ones every so often. Not everybody grew up or lives digitally - there’s a whole lot of people who “had people do that for them” or didn’t work with computers in their career.