PayID has been misused and compromised in various ways since its 2018 launch. The system deals only in "incoming" payments, not outgoing ones – but that doesn't mean users are safe from cyber crime.
The economic underpinnings of the longstanding 'four pillars' policy are crumbling. Soon there may no longer be four big banks.
ATM fees were already under pressure from new technologies. The question is, what will banks do to replace that revenue?