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My friends know my mobile number. When they want to send me money, then I have to give them my sort code and account number. Having a mapping from mobile number to account credentials seems sensible to me.

I'm set up on PayM, but no one else seems to use it.

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I love it, but find it takes around the same amount of effort to send money by PayM as it does to send it by regular bank transfer to somebody already set up in my mobile banking app (my main use case is usually sending smallish amounts of cash to my kids, like a modern-day Al Bundy). PayM could do with a really nice streamlined app of its own, rather than being buried deep within each of my banks' own apps.

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