A really simple thing that banks could add is that in Englan when I login to my banks website and I then have a question, I have to pick up the phone, go through 100s of security questions and then I get to speak to someone and I get to ask my question. For the life of me I don't understand why there is not a live web chat on the page. I have already gone through security, I should be able to ping a question to someone online who then responds instantly. It would save an awful lot of hassle.