National Australia Bank is using technology investment in its Australian personal banking business to "address customer pain points" in a bid to make it easier for consumers to do business with the bank.A new personal banking origination system is in the pilot stage and will be rolled out next year. The new system incorporates a number of improvements, including electronic identity verification and minimal document handling.A new online financial advice service, Prosper, offers personalised financial advice and has been designed to be a cost-effective alternative for customers who don't have a financial planner. The bank plans to extend the service to cover estate planning, debt and cash flow.NAB chief executive Andrew Thorburn announced yesterday that the bank had entered into a ten-year partnership with Visa, "enabling significant future investment in the card portfolio."As well as the technology investment, the bank added 130 new frontline bankers and added to its broker distribution network during the year to September.Personal banking customer revenue grew by 7.3 per cent in the year to September.Its mortgage book grew at 1.1 times system to A$266 billion, deposit growth was a little below system and card growth was 1.4 times system. The home lending net interest margin was steady at 1.33 per cent.