I actually let them access my online bank statements (strong regular income/high balance/no debt) as well and I have zero clue why they have rejected my applications. I don't really need ZipPay or ZipMoney - just thought of doing my part. Anyway, it is no biggie. But it does raise some question of how many good applicants they have rejected. But on the hindsight, they are too busy in processing new applications to provide an answer to me. That's a good thing, I guess?
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