Not the leading digital bank

The FNB online systems and apps are extremely bad and full of errors. I app**** for a small loan online and entered all the information, approved via OTP and then I received a message that the system is not available at the last step. A consultant phoned me, and I then said that I am not interested to do it via the phone. I did an online application again yesterday and this time received a quote (customer agreement) and a pre-agreement with a reference number via email. I thought all are in order, but I was informed today when I followed up on the status that there is no application on record. The person said that I declined with the consultant so I cannot apply within 24 hours. I find it very strange, because I did not say that, and I spoke to the consultant before I app**** again. I said that I am not interested to do it via the telephone. Why did the system allow me to capture a loan application and email all the documents if I am not allowed to do it within 24 hours? I now must enter all the online forms again for the third time whilst holding thumbs that it will work with no errors. Not good for a so-called ‘Leading Digital Bank’. Your systems are not aligned with your banking rules.