split into subclaims, added front matter

[EilidhRoss1]

Having reviewed comments, I have:

• changed the title into a statement (not question)
• used the standardized front matter
• split the claim into subclaims (steel man & evaluation). Have not yet defined payment services and remittances. Thought they might be best done in their own concept pages (so user can hover over and get definition, without definition breaking flow of text). If not, can add the definitions into the text. Used the standard structure to inform the description. I quite like they way I've done it - think it's very clear and a good summation of the claim and our evaluation. Feedback would be good so I know whether to do the others like this.

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