1. Incomplete information: Due to the rapid development of mobile banking in recent years, many functions are still not perfect and the user experience is not good. After applying for mobile banking, individual users will forget to upload relevant supporting materials and will remember to check them until there is no result. The background will always show "under review" and there is no progress.

2. Degree of risk control: each bank has different risk control. Some banks are strictly audited and need coordinated supervision by multiple departments, which may delay the audit process.

3. Application time: Pure credit loans are generally automatically reviewed by the system, and whether to give them to your bank is automatically judged according to your qualifications, transaction records and credit. Credit loans with higher thresholds need manual review, which may be slow. In addition, the working day approval will be faster. If you apply in the middle of the night or on holidays, if something goes wrong, you can't handle it in time, which will delay a certain time.