I used to think this way. An "elderly" banker at Wegelin whispered in my ear: "Every time there is a misunderstanding or mistake it benefits us. Why would we change?"myhand said:
I would have imagine that a big company like Wise would contact their customer in such case to get clarification.
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Then I started noticing that all "mistakes" benefitted the bank/FI. It finally dawned on me 🙄