The UK’s biggest high street lenders face a greater threat of losing customers to PayPal than to new “challenger” banks or technology giants, according to research by YouGov and law firm Pinsent Masons. Digital-payment services such as PayPal and WePay are more likely to disrupt the banking market than new lenders such as Metro Bank or Virgin Money, based on a survey of more than 2,000 people in the UK. Almost a quarter said that they would be “likely” to bank with an alternative digital-payment service instead of a large bank within two years.