FNB App & OTP

<p> I don't like FNB forcing people to download the app and use it in order to qualify for ebucks. It's not fair. I also don't like the OTP being sent to the app. If I'm staying in a place with poor coverage or if I don't have money for data; then it means I cannot make payments. But an SMS for the OTP is quicker and doesn't require data. I know you're trying to be innovative but also think about the poor without money for data and smartphones for the app. And those that stay in remote places with less coverage. Let's make banking easy</p>