Too automated to work.

Standard Bank has automated so many procedures, closed so many branches and neglected to employ competent staff that their whole system now requires that you fit into a prescribed box. My 'prestige' banker can complete fewer functions that most of the ATM's, and my business banker doesn't know the difference between a balance sheet and an income statement. The foreign exchange desk can't help me complete a forex payment without a CCN number, but I can process one via their Shyft account, or via credit card. Their banking system has become a barrier to entry in doing business. The moment one has a request that requires some assistance you are pushed from pillar to post, with every department knowing less than the last. Forget all the fancy features, rewards programs, insurance, cool scan to pay apps. I want a bank that can focus on doing its primary function, and do it well.