Mum finds it hard ordering food due to M&S Bank’s fraud checks

You can use the M&S banking app to confirm a payment but it is just another complication. Photograph: DWD-Media/Alamy

My dad, who handled all my parents’ financial transactions, died this year and my 82-year-old mum has been learning how to do her grocery shopping online.

She was just getting the hang of it when one-time passcodes (OTP) were introduced on her Sainsbury’s food deliveries.