They do the 'I love it, it is perfect..." game then they all of a sudden can not use technology to do the application or credit check. 

There's a lot of things being developed (i.e. the increased container business, auto export, a new consolidated airport downtown that will likely be international, the redevelopment of Broad Street, the redevelopment of downtown Mobile, city council announced in July they are talking with another Airbus supplier to move to Brookley Field, the development of the Technology Corridor downtown) all of which are going online now, next year and the years to come. 

Kiavi has invested a lot in technology and branding, but at the end of the day you probably are going to want a more personal service-oriented experience (a real human being!)