BankTransferPanel: VA card above instructions; clearer borders; aria-live for VA status; dynamic 'Instruksi pembayaran' panel.\nBcaInstructionList: ARIA roles for tablist/tabs/tabpanels; stronger visual cues; 3px focus ring.\nGoPayPanel: auto display instructions with dynamic steps per mode; clearer mode toggle buttons; 3px focus ring.\nButton: standardize 3px focus ring with 2px offset and accent color.\nPaymentMethodList: enhanced contrast, thicker borders, larger targets for seniors.\nPaymentInstructions: flexible title and steps; never empty with sensible fallback.
CIFO Dev