> can now approve good customers quicker

Well, that's half of it.

What about people who get disapproved because they were flagged by some automated screening? ...they end-up getting stuck in limbo because they were flagged, so they can't even (for example) close-out and withdraw any other accounts they have with the same institution - and they can't get any help because of the "we-can't-tell-you-how-to-evade-KYC" rules.

Stuff that happens all the time: https://www.nytimes.com/2023/04/08/your-money/bank-account-s...