It's about increasing limits, particularly the single transfer limit of 50k.
I don't think you are forced to have it setup.
And wow, for once it worked for me. 90k from my BKB to Kbank.
It seems all about this blinking with the eyes at the right time.
But yes it's annoying. Why can't they give audio instructions or some flashing/big font.
They could really use some help from experienced developers.
In the west accessibility is a big thing.