Very poor online and mobile applications

I have found the transition to Nedbank’s latest internet banking application to be a negative experience and the final application one of the poorest in the sector. I was also invited to download their smartphone Money App, which I did only to be advised that I was blocked from it’s use and to try again later - this was some weeks ago and it is still blocked. After complaining I was called by a support consultant who proceeded to ask me numerous security questions. Unfortunately it is unlikely that the normal client would be able to answer all correctly without access to the account at the time e.g What is your available balance? Consequently I was advised that I had failed the security check and would need to visit a branch. Unfortunately the Nedbank software team appear to make the common mistake of testing their applications by following the design flow rather than analysing what can go wrong or whether it is intuitive to a layman. I fear their current offerings in the digital world will lead to a significant loss of respect, increased frustration and potential loss of customers. Rather sad after being with the bank since 1975.