[hansamu]

Most banks and other companies are also similar now.

It's really challenging if you want to talk to a human being over the phone for clarifications and information. 

Press here, press there and you get to nowhere. 

Alternatively,  the phone rings but nobody picks it up.
And the most common excuse seems to be " We are experiencing high volume of calls now, please call back later "

Digitalisation actually results in a regressive rather than a progressive world.