ignoramuses and/or fools
Anyone in any organization that handles data pertaining to clients or customers, especially financial and medical establishments, who transfers unencrypted data is an ignoramus or a fool. And that goes as well for at least one level up in chain of command.
Oh, yes, regarding "...bank has promised to transfer data electronically, where possible, rather than depending on the transport of physical media..." can you say "Hannaford" boys and girls?
Skull and crossed bones because Pirates is Everywharrrrr. Arrrr.