It's about THEIR banking app again ( can we even call that thing an app)

YOUR ONLINE BANKING USER EXPERIENCE IS HORRIBLE !!! The FNB banking app is the worst one I have ever used so far, from the CX of the app, to the functionality to the logic basically everything about the app is horrible. Its super hard to set up scheduled payments, super hard to simply pay someone and just super hard to just use the app. Tell me why do I need to be 'verified' inside an already active account so that I can set up a simple scheduled payment ?!?!!! Even if you go through the stupid verification it's hard to verify because of how they have set up the journey, the geolocation one simply doesn't work and then the QR code simply won't work because duhhhh you guessed it I'm using the device you want me to scan with STUPID, I try to think a way around it and screenshot the QR code so that I can just long press it for my phone to give me the link and guess what again ??? Of course the link doesn't work what did I expect really from such an incompetence app.

Does FNB even have a department that handles this app ?? I refuse to believe that BA's, Designers, Testers and Developers agreed to put out this mess you call an app, simple use cases the app is failing to cover for them. Basic scenarios that weren't thought of and covered for... You mean to tell me everyone in the development team sat down and decided this was good enough to go into production to your clients ?????? Was client experience even a talk in the meetings that were held to think about development of the app ??? I can tell you now with the way that app is trashy, all of this was not done and two reasons I can assume for this is that you either don't pay your development team enough to care or you simply have hired the most *********** people in the planet ... DO BETTER, YOUR REVIEWS ARE EVEN HORRIBLE.