From this newspaper’s exclusive interview with ANZ chief executive Shayne Elliott in December, we learned “he had been reluctant to talk to the market about [the bank’s] tech transformation until the 850-strong team working on ANZx had something to show for [it]“.

Elliott’s purported reluctance is completely irreconcilable with the bank’s rampant loquacity regarding ANZ Plus – ANZx’s consumer-facing platform – before it does anything remotely useful for those consumers.