african bank takes more than 2 wks to processa loan and is against DIGITAL channels

african bank takes more than 11 days to process a loan and is against digital channels in the midst of covid and in the 21st century. the whole online process is not efficient and requires serious optimisation if they are to remain relevant because a client with other options will not accept such a pathetic service. i app**** for a loan online on the 30th of april, passed the pre screening phase, got a list of offers and was requested to upload , bank statemet, payslip and id and i did exactly that the same time/day. it took two days for african bank to send a message requesting an employment confirmation letter despite the fact that the payslip uploaded has group HR contact numbers. i igot the letter same day and uploaded it. it took another two days for them to review the application and on Day numner 5 they told me the letter just stated that i started working in 2012 and am still employed , it doesnt state that i am permanently employed so i could be a temp for the past 10years . i went back again to my employer to request an african bank customised letter which i got the same day, uploaded onto their online portal. it took another two days to get feedback that african bank requires a salary varaince letter. i just got an sms about this variance letter, no one bothered calling me explaining whose girlfried is 'variance letter' so i had to look for a dioctionary and call the bank myself to understand what they meant about the variuance leter. pathetic enough the variance was due to my bonus being paid in march and on the payslip its written 'bonus'. this simply suggests that african bank employs staff who cant read a basic payslip or require training. i called the bank again today and the consultant advised that the mater has been escalated and i will be called in an hour or two but its now about 1930hrs, 6 hours have lapsed and still no word from african bank.upto now the loan is still not finalised despite the fact that i passed the pre screening stage based on my credit record, income and affordability. i asked the telephone consultant who advised, had i gone to the branch this loan would have been finalised! why on earth a normal bank would advocate to people crowding in a branch in the 21st century and worse off with covid? african bank must understand when a client applies for a loan, they need the cash and a turn around time of more than 10 days and still nothing finalised is but just madness!