Two new banks are providing their clients with the opportunity to never to communicate by phone, let alone speak to them in person. The future includes fingers on applications, not talk on the handset.

“Everything you want to do – from a banking perspective – you can do on a mobile,” says Anthony Thomson, chairman of Atom Bank, which is hoping to launch in the second half of 2015 and aims to be one of the UK’s first internet-only operators.

And he doesn’t mean using a mobile to speak into. Indeed the company’s research suggests that customers hate having to engage in conversation with their bank.

“Customers who have less contact – face-to-face or voice-to-voice – with their banks are, surprise, surprise, most content,” says Mark Mullen, Atom Bank’s chief executive. As a former boss of the telephone bank First Direct, he should know.