Identity verification - Banking app

I only discovered yesterday that I am blocked from making payments on my Capitec app at this time of the month when accounts have to be paid. I was unable to take a selfie to verify my identity on the app; after having much difficulty trying to verify my identity, I was advised to go to a branch. I went to the nearest branch, and they were unable to assist, they said that home affairs do not have a digital photo and therefore I cannot make payments on my banking app, it seems I need to go to home affairs. My question is, does this apply to every South African citizen who has not yet app**** for the digital ID? It is such a daunting task to go to home affairs to apply for the ID. IS there a deadline that we have to adhere to apply for the digital ID. So, until then can I not transact on my banking app.