Still doesn't make sense (spoilers)
I get the concept of the butterfly effect (i.e. even the tiniest of actions can result in significant changes or rippling). However, this movie takes the butterfly effect and extends it to mythic proportions.
For example, in all 3 scenarios, Lola has a different experience with the dog in the hallway. First she is scared of the dog; then she trips over the dog; then she scares the dog. Up to that part, everything has remained the same. So why would the run-in with the dog be different?
Also, in one scenario, Lola's father's mistress reveals the baby isn't his. This change happened before Lola even arrived at the bank, so no chance of blaming the ripple/butterfly effect. There were many other examples.
I thought "Sliding Doors" was a better and more creative portrayal of this same phenomenon.