Wallets are too bulky. Before heading out i'll stick my cashcard and some cash in my pocket.. I don't want to carry a stupid fob around with me.
You could try shopping around for some more compact wallets. Not all of them are bulky. I never used to use a wallet but i found i needed a new bank card every year as the chip and pin part got damaged.
The barclays online system is a lot less mobile than that





i struggling to use it as it also has asked 3 different questions i need to provide secret answers to like what's my mums name, which is a rubbish secuirty question, the best one is a random one so no one can ever guess it, but i can't remember 3 random question answers and which answer was to which question
logging in should be fairly relaxed and not require anything more then password and username, it's doing stuff that should then be restricted. i also think they should have an option for you to set your account pc so that only you can do anything like pay someone from that pc, if you want to add another pc then you have to call/answer questions etc.