3D Credit Card verification system fails me again - makes you appear amateur
If you want to be taken seriously and not simply as amateurs trying to appear as a professional service bank, start with the little things, like prioritising your 3D verification online card payment queues. Not for the first time have I sat waiting for the confirmation code to arrive on my phone via SMS, so I can complete an online payment, only for nothing to arrive, the payment transaction to time out, and much later, a sudden deluge of confirmation codes arriving on my phone. Too little too late.

What's more because I requested a resend a few times, in case something got lost in translation, I noted that the flood of SMS's arrived on the hour, which suggests some sort of backend system woke up. As I say, this is not the first time this has happened to me. I won't go near you as a bank until little things like this are no longer an issue. Sorry. 