This kind of growth is starting to make me be concerned as a customer - app performance and latency have deteriated over time, and most importantly customer ser

This kind of growth is starting to make me be concerned as a customer - app performance and latency have deteriated over time, and most importantly customer service has also changed. Scaling good customer service for an effectively free product whose revenue currently derives only from overdrafts and very minimal fees from over-use is going to be very challenging for a bank not yet profitable.