What is the value of moving all Capital One customers to use the mobile app?

Focus on identifying both quantitative and qualitative benefits of transitioning all Capital One customers to the mobile app. Consider factors such as cost savings from reduced customer service calls, increased customer engagement, and potential revenue growth from in-app services. Discuss how mobile app usage can enhance customer experience, improve retention rates, and provide valuable data insights for Capital One. Additionally, think about the implications for customer demographics and how to address potential barriers to adoption among different user segments.