As we're reaching the end of 2016, I'd be interested to hear which company you think has had the most disappointing year in terms of bargain-oriented products.
For me, it is ING Direct. At the start of this year, it was easily the bank of choice for the keen OzBargainer.
2% cash back with Paywave, generous referral bonuses, an excellent app, free cash withdrawals at any ATM & fee free. A no brainer.
While some great features still exist, over the course of the year they (a) dropped the 2% cash back, (b) stopped referral bonuses from OzBargain, (c) created a new website that is most cumbersome to operate and (d) have just introduced a very disappointing credit card: https://www.campaigns.ingdirect.com.au/orange-one/ (I'm sure I'm not the only one that expected ING to do a lot better with its first credit card.)
I'd be interested to hear which companies you think need to up their game in 2017.