In a nutshell, it mean when you are about to open your banking app on your phone, suddenly you feel a sudden breeze coming your way, your eyes blurred, your head faint, you are suffocating, unable to breathe and you are force to close the banking app.

If got certified medial report from medical officer to proof that she is really facing medical difficulty each time she open her banking app, I believe she can hire a lawyer to fight with the bank.