I am seeing an increasing amount of complaints targeting the mobile application issued by the bank. I am wondering what these customers are talking about? I am having a smooth ride as far as mobile app user experience is concerned with the bank. I am living at one-hour drive from the nearest branch and simply must use the mobile application. I invested a couple of hours of m time to figure out how to perform all operations online, including opening new credit cards, applying for a mortgage loan, sending funds, etc. I have had only minor issues, usually connected to the maintenance performed by the software team of the bank. You can experience lags and even delays in depositing/ sending money but it is inevitable in the today’s digital world. I am being a software engineer myself and cannot blame the bank for something so obvious.