“If I want something I’m entitled to buy it if I have the money for it.”

To help her avoid any further issues, Molly told Money Box that she spent £1,000 on an iPad to use their facial recognition for the second step authentication which she finds much easier.

Jana Mackintosh, managing Director for Payments and Innovation at UK Finance discussed the options available for those who may struggle to make these payments.

She explained that some vulnerable customers such as those living in rural areas could initially struggle but it takes some getting used to.

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