There's another massive problem which the article doesn't address --- why on earth do you have to pay for the service from the same bank as the bank with which you booked the appointment? It makes no sense at all. For example, if you book an appointment at a Standard Bank branch, you can only pay via a Standard Bank account. When the service was just launched in 2016 I was able to book an appointment at a Standard Bank branch and pay from my FNB Cheque account, and then for some reason they disabled that ability.