FNB Digital Banking The Worst

Possibly the worst experience of digital banking in South Africa I've experienced. I bank with ABSA and Discovery, so I have these as reference points.

1) OTPs don't get sent essentially stopping me from transacting - the call centre can't help with fixing this 2) The call centre agent has an arrogant attitude and sounds like they're answering the call from the bathroom 3) I get told the team leader who is meant to deal with the escalation may or may not answer because it is a Sunday (for digital banking you claim 23/7 assistance) 4) The app verification process of 7 days is unwieldly - we're in the digital age - 7 days for verification is very inefficient - ABSA is immediate 5) Call agent failed to send follow up email or call back as promised