Incredibly slow to react to any inputs related to payments, going in to or going our from the account. As a business, this is not the impression I would like to leave with my customers. For a digital bank, this is not acceptable. I use other banking apps for my personal banking, all are far more efficient - including my crypto currency apps. This is a typical example of the banking system failing customers for self benefit. These transactions being delayed must be of benefit to them somehow....