Way to complicated new banking app

FNB launched a new banking app, which I used today for the very first time. My gosh, how complicated can yo possibly makes something!!! I'm a computer literate person. I really believe the masses won't cope. I gave up several times trying to change default settings etc. My opinion: I normally do my banking via the web browser. The app I'll use for simple, quick issues,like transfer some money or a cardless withdrawal. So my suggestion is that a cellphone app should be simple to use, doesn't have to offer all the services you can get with the website. Some IT developers are justifying their existance by inventing new stuff the end user will probably not need or use. But ultimately, the management takes responsibility.