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In a 2014 speech, Ross McEwan, the CEO of the Royal Bank of Scotland, made an extraordinary claim that has won him quite a bit of fame within both the banking and technology circles. His exact words were the following: “Our busiest branch in 2014 is the 7:01 from Reading to Paddington – over 167,000 of our customers use our mobile banking app between 7 a.m. and 8 a.m. on their commute to work every day. Over 2.1 million customers use our mobile app every week.”

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