The UK banking system is far more advanced and flexible than the US one. In the UK, you can send a payment from any bank account to any other bank account in the middle of the night on a weekend, and it will get there in less than an hour. And it is free. And all the accounts have two factor. So I guess you could say that bitcoin is EVEN FARTHER BEHIND the UK than it is behind US-based Simple.
using my bitcoin phone app is way cooler than using my bank account app to make payments.
Bitcoin has benefits far beyond a simple transfer system, at the moment i see it as more comparable to gold than currency but those are just my opinions
edit: there is no reason why a social networking type payment app thing could be designed for bitcoin, it just sounds horrible.
Maybe something more like GPG where you can load your public key(bitcoin address) to the key server and then your friends could search you based on your email or nickname, still i prefer just simply scanning a qr code or copy and pasting a bitcoin address, maybe i am just behind on the times