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Hmm. Notably Farmers NZ recently had an extended unplanned outage, and has a 4 star app

Kiwi bank is the most likely IMO. Almost 4 star and the kind of think GPT would do is leave in the Kiwi part.

I don't think so. The data returned talks about loyalty, rewards, and gift cards.

Good point

They mentioned the name of the app in the article “KiwiServices”

They mentioned at the top of the article that this is not the real name.