This is the second post in this thread where people for some reason expect banks to be better than others at tech.

I've worked at a bank, in software.

They are significantly worse at tech than other industries. They're propped up by usury, overdraft fees, slow, antiquated systems. Why does it take 3 business days to get a refund? The information moves in milliseconds today, yet it still takes 3 business days to get your money back.