Operating in ancient technology

Making a manual payment is a nightmare. They giving me invalid reference no. Big company dealing with sensitive life insurance should at least have banking details so we can do EFT. I have been told to use USSD codes that are foolish, fails from time to time, it waste of time and loads countless number of 20 cents. Another option tabled to me is Pick n Pay, PEP store.... The very person I am talking to is at work, so why are they expecting me to be sitting in long ques for a lousy deposit? If they are failing to provide simple banking details, how can they process claims when I die?