In this episode, I am proposing a test for whether your bank is digital-first. Here's the test - can your bank quickly update their push notifications for Halloween to add a little Pumpkin emoji to their transaction notifications? Leading British neobank Monzo did this on Monday for me (and, I presume, all of their other customers!)

Can your (incumbent) bank do this, easily and quickly? The answer, alas, is generally no...