Simple stupid, CitiBank.

As a customer, I try to add it on my Apple Wallet, I tried several times, need my card handy, need my phone handy, mobile network right, making the call to verify, and security questions, and at last, sorry your phone cannot receive message. LMAO, I just set up the BofA card on my iPhone, so smoothly. Just bye bye City. I don’t need use it.

Again, another business I say NO forever.

In Chinese, there is a phrase “见微知著”, either they sucks in mobile adoption, or too much constraints in mobile payment, it’s just outdated. No future.