Two days ago, I tried to use my Net bank to transfer some money, which needed to be done as soon as possible. However, the browser hung after I had filled out the transfer form and clicked continue. I tried this repeatedly on two different machines, and concluded that the net bank must be down. So I tried again last night, with two different browsers, and it still did not work. I had pretty much decided to stop using that bank and write them a letter explaining why. Then I noticed the small hint at the top of the browser saying that it had blocked popups. Turns out one such popup was from my bank, politely asking me to provide a code to verify that I was still the one using the computer. (It was a fairly large sum of money.) When I did that, it all worked fine.
I do from time to time observe the elderly trying to interact with modern equipment like ATMs, and have concluded some years ago that there is a high likelyhood that if I reach their age, I will be baffled by the technology of that time as well. I had not expected it to happen for another twenty years or so, though, at which time ATMs will probably communicate with us using focused sound waves that reassemble inside our heads, or something equally outlandish.