A good pal in Indonesia got me hooked up with them. Thought I'd give it whirl, but turned out to be more of a slow dance. Their efficiency is like a tortoise run, slow and not so steady. Needed a credit card, right? Well, should've packed a lunch because waiting for that card felt like an eternity. And professionalism? Seems like they didn’t get the memo. It was more of a 'figure it out yourself' approach, if you catch my drift. My two cents on Panin Bank? Low-speed, low-spirits.