strange and sorry to hear that what appears as an intelligently put together application with the basic requirements has been tossed. I do hope they respond to you with some insight as to their decision.
The bank wants to ensure that the phone number that you have registered is in your full name and matches your passport, the same information that the bank has
None are completely seamless, some still need cash top-up so there is the pricey ATM cash withdrawal fees and forex rates. Others only work with QR codes from sellers with registered business accounts.
Anonymous participant it states that applications will be automatically deleted if not submitted within 14 days. The same goes for unanswered document requests. Nothing official, just experience from observations.