[throwAwayCity]

I assume a bank would say a great banking application is good enough to prevent users from leaving for other banks, i haven't encountered a US bank site that bad (i do sometimes have to disable Adblocker to use bank sites).

I assume a bank would say a great banking application deters the user from calling the bank to talk to someone (bank doesn't want to pay money to staff someone to talk on the phone).

I think banks had to race each other to get online 15 years ago to serve millions of users which explains why a lot of their products feel outdated. If its not broken don't fix it mentality. I assume reeducating users on a new bank site design could force banks to forgo interest/penality payments and things like that.

Considering banks are involved, people are constantly trying to break in, so security is definitely priority over usability.

In the US at least, mobile apps are already used more than desktop apps, so i assume investment will continue to pour more into mobile apps while desktop users will be stuck with more outdated technologies.