It is sheer incompetence. We all know technology has isues.
A system cannot replace human beings. That is why despite the advance in technology, people
have to wake upevery morning to go and work.

The human beings working with the systems should just formulate an effective and  efficient process
to identify and correct susch case immidiately they occur.

Any thing else is just an excuse to cover up for incompetence and for someone failing in their
job.

In any case, a system that says have withdrawn money yet nothing came out should just be replaced
with a more reliable one.
"One that is able recognise the fact that no cash was dispensed and do an auto reverse."

But on the other hand, it is a way to make money for these financial institutions. I know of a company that had over
KES 20m in unreconcilled recersals.

Please, all those involved, let us take care of the hard earned cash entrusted to you by Kenyans.

Regards
Shad