From Dave Birch
Here’s one idea of what could happen. When you open a bank account, you should be given a UK financial services identifier (your “money name”), just like you get a Facebook name or a Twitter name. Let’s say it’s £Barclays_Dave. The bank should provide 2FA against that money name. When I go to Lloyds to open an account, I should be able use my money name to open an account on the spot with no messing around with old gas bills. Alternatively, I should be able to open an account with old gas bills and get a new money name (e.g., £Lloyds_Dave) if I prefer.
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