New OTP Method

<p>1. The time it takes for the baking app to open is inconsistent, at times taking longer than the allocated 1 minute required to approve a payment. </p> <p>2. In areas of poor wi-fi connection the banking app will not always open. Therefore creating a loop of constantly attempting to approve a payment. </p> <p>3. When I do eventually get the opportunity to approve the transaction and time happens to run out, the system times out. Therefore I have to begin the entire process again. </p> <p>4. In instances where I do not have wi-fi connection or don't have data what will happen? Will I have to find a wi-fi hotspot or acwuire data in order to complete a payment?</p> <p>5. I would request to opt out of the new method to approve a payment via the baking app and would rather prefer to receive an SMS. </p> <p> </p>