Quality is the conformance to requirements. If you (the client) wanted a quick and cheap solution then A is for you. If you wanted a robust and you are willing to pay the premium to get the B, you're in luck!
Mega big banks in the USA suffer from tech debt A LOT. The number one reason for operation disruptions is software errors, and with a large difference to reasons 2-3-4.
An additional point could be that large USA banks have a higher (imho) ratio of sociopaths in their ranks. Perhaps the sociopaths lost the ability to whip their minions, and the minions started working under normal/human speeds 40h a week instead of 60-70h per week that is the typical expected work while under the influence of a sociopathic boss.
Also lets not forget that JP Morgan CEO is THIS guy: https://www.theguardian.com/us-news/video/2019/apr/11/jp-mor...
I think that, although imperfect metric, the bottom line will speak of performance. I take it that there are multiple criteria that affect the bottom line, but the management of JPM cannot be trusted, again, sorry for repeating, is not the most decent in the planet.
Edit: apologies for the rant-y beat down of the mega-big US banks, but yeah.. not sorry really.