Hong Kong banks really need to send a few programmers from mainland China to fix their apps. They don’t use phone number login; each bank is different—some require a username, some a card number, some an email. When you click "forgot username" or "forgot password," it prompts you to scan your ID. The AI behind it is a complete failure, malfunctioning from every angle—absolutely idiotic. MOX is still better; they probably had mainland programmers develop it. Hong Kong’s cuisine is top-notch, but these apps are just terrible!